Ford Explorer Insurance – 9 Discounts Consumers are Missing

Have you had enough of being strong-armed to buy car insurance? You’re in the same situation as many other drivers. You have multiple insurers to insure vehicles with, and even though it’s nice to have a choice, it can be more challenging to find the lowest rates.

Pricing affordable coverage is easy if you know what you’re doing. If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to get lower rates and still get good coverage. Drivers just need to know how to compare rates over the internet.

Take advantage of discounts

Insuring your fleet can be pricey, but there are discounts available to cut the cost considerably. Some discounts apply automatically when you complete an application, but less common discounts must be asked about before you get the savings. If you’re not getting every credit available, you’re just leaving money on the table.

• Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
• Save over 55 – If you qualify as a senior citizen, you may be able to get better auto insurance rates for Explorer coverage.
• Multiple Vehicles – Buying coverage for multiple vehicles on the same auto insurance policy qualifies for this discount.
• Multiple Policy Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
• Fewer Miles Equal More Savings – Keeping the miles down on your Ford can qualify you for better rates on cars that stay parked.
• Accident Forgiveness – Certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
• Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save 5% or more.
• Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.

It’s important to understand that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will reduce your overall premium however.

To choose insurance companies with the best auto insurance discounts, click here to view.

How to Compare Auto Insurance Costs

Most major insurance companies such as State Farm, Allstate and GEICO quote prices for coverage directly from their websites. This process is quite simple as you simply enter your personal and coverage information into a form. After you complete the form, the system orders your driving and credit reports and generates a price determined by many factors. Online price quotes streamlines rate comparisons, but the time required to go to different websites and type in the same information can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to find lower prices.

Rate comparisons made easy

The smarter way to lower your auto insurance bill requires only one form that gets price quotes from several different companies. It’s a real time-saver, eliminates repetitive work, and makes online shopping much more efficient. After sending the form, it is rated and you can choose any of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The entire process only takes a few minutes and you will find out if you’re overpaying now.

If you want to find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you complete the form with your coverages as close as possible to your current policy. This ensures you will have rate comparison quotes based on similar coverages.

How to know if you need help

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you would benefit from professional advice.

• How do I file an SR-22 for a DUI in my state?
• Am I covered when driving in Canada or Mexico?
• When should I remove comp and collision on my Ford Explorer?
• Do I need motorclub coverage?
• Are there companies who specialize in insuring high-risk drivers?
• How much underlying liability do I need for an umbrella policy?
• Am I covered when using my vehicle for business?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Having a good grasp of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Explorer.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, falling objects and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like surgery, funeral costs and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Quote more, save more

Budget-conscious Ford Explorer insurance can be purchased both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

We just showed you a lot of ways to shop for Ford Explorer insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from some of the lesser-known companies. They may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.