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Ford Explorer Insurance Rates

Comparing car insurance from online companies saves time, is easy to do, in addition you will probably save money. The key to finding lower rates is getting rates from all companies so you can compare the lowest priced insurance.

Using the web to shop for car insurance direct can be complicated if you are a beginner to quoting online. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The best method to find the lowest Explorer insurance cost involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine Ford insurance rates

Insurance rates on a Ford Explorer can be significantly different and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Better credit means lower rates
  • Male rates may be higher
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Your profession
  • The level of coverage
  • Owning a home can lower rates

One last important factor that can impact the rate you pay on your Ford is the year of manufacture. Used vehicles have a much lower replacement value so the cost to replace them may end up costing you less. Conversely, newer vehicles may have options such as autonomous braking, tire pressure monitors, and dual-stage airbags that may help provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability coverage - This can cover injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as large an amount as possible.

Collision coverage - This coverage covers damage to your Ford resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Explorer can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Ford Explorer Insurance Rates?