Cheaper 1991 Ford Explorer Insurance Rates

Searching for low-cost insurance for your Ford Explorer can normally be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to compare insurance coverage rates so we’re going to tell you the quickest way to compare rates for a Ford and find the lowest price from both online companies and local agents.

If you have a policy now or are looking for a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Finding the lowest cost protection is not that difficult. Drivers just need to learn how to shop for auto insurance online.

Discounts are basically free money

Car insurance companies don’t always list every discount in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Life Insurance Discount – Some companies give lower rates if you buy life insurance.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on Explorer insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that may have these benefits are:

Check with each insurance company what discounts are available to you. Some discounts may not be available in every state.

How to Compare Insurance Rates

Comparing insurance rates can take hours if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to local insurance agents in your area, or you can utilize online quoting to quickly compare rates.

Many companies participate in a marketplace where prospective buyers only type in their quote data once, and every company returns a competitive quote for coverage. This system prevents you from having to do quotation requests to every company.

To find out what other companies charge for 1991 Ford Explorer insurance click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which providers to receive prices from. If you wish to select specific providers for rate comparison, we put together a list of insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use the exact same coverages and limits with each company. If the quotes have unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

Factors that can influence insurance rates for a Ford Explorer

Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. Understanding what impacts premium levels enables informed choices that could result in better auto insurance rates.

  • Your occupation can affect rates – Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, social workers and dentists are shown to have the highest average rates attributed to high stress levels and long work days. Other occupations like actors, historians and homemakers pay the least on Explorer insurance.
  • More people means more accidents – Living in small towns and rural areas has it’s advantages when talking about auto insurance. City drivers have congested traffic and longer commutes to work. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Too many auto insurance claims drive up costs – Car insurance companies provide cheaper rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Pay less if you’re married – Having a spouse can get you a discount on your policy. Having a significant other is viewed as being more responsible and it’s proven that married couples file fewer claims.
  • Older drivers save more – Teenage drivers have a tendency to be less responsible in a vehicle so auto insurance rates are higher. Mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.

Which insurance is the “right” coverage?

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if your situation might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • Am I covered if I drive in a foreign country?
  • Should I waive the damage coverage when renting a car?
  • Is rental equipment covered for theft or damage?
  • What if I total my 1991 Ford Explorer and owe more than it’s worth?
  • Am I better off with higher deductibles on my 1991 Ford Explorer?
  • How much liability insurance is required?
  • Should I bundle my homeowners policy with my auto?
  • Is my Ford Explorer covered if I use it for business?
  • Do I need higher collision deductibles?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

What auto insurance coverages do you need?

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision insurance

This coverage covers damage to your Explorer resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hail damage, falling objects and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, chiropractic care and ambulance fees. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage will cover damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects, emergency aid and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

A tidy conclusion

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best price.

Consumers leave their current company for a variety of reasons including policy cancellation, questionable increases in premium, poor customer service and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new auto insurance company is less work than it seems.

Discount 1991 Ford Explorer insurance can be sourced from both online companies as well as from independent agents, so compare prices from both to have the best rate selection. A few companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

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