Cheap 2003 Ford Explorer Sport Trac Insurance Quotes

Want better insurance coverage rates for your Ford Explorer Sport Trac? Trying to find better insurance prices for a Ford Explorer Sport Trac can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare insurance coverage rates and you need to know the proper way to get price quotes for a Ford and get the lowest price either online or from local insurance agents.

Finding the best rates is easy if you know what you’re doing. If you have a current insurance policy or are just looking to switch companies, you will benefit by learning to find better prices while maintaining coverages. Consumers just need to understand the most efficient way to shop online.

More discounts equal less premium

Car insurance companies do not advertise every available discount in a way that’s easy to find, so the following is a list of some of the best known as well as the least known ways to save on insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.
  • Clubs and Organizations – Participating in a civic or occupational organization could trigger savings when buying insurance for Explorer Sport Trac coverage.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Insurance companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts may not be available everywhere.

How to Compare Car Insurance Costs

All the larger car insurance companies give price estimates directly from their websites. Obtaining pricing is quite simple as you simply type in your coverage preferences into the quote form. After you complete the form, their rating system pulls credit information and your driving record and provides a quote based on these and other factors.

Being able to quote online makes it a lot easier to compare rates but the work required to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you want to find the best price possible.

Compare rates the easy way

An easier way to compare car insurance pricing uses one simple form that analyzes rates from several different companies. The form is fast, eliminates repetitive work, and makes rate comparisons much more enjoyable. Immediately after you send the form, it is quoted and you can select your choice of the quotes returned. If you find a better price you can click and sign and purchase the new policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in deductibles and limits just like they are on your policy. This ensures you will be getting comparison quotes using the same coverage and limits.

Why your Ford Explorer Sport Trac might be costing you more

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for insurance. Understanding what influences your rates helps enable you to make changes that will entitle you to better insurance rates.

  • Frequent insurance claims increase rates – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies provide cheaper rates to drivers who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Car features impact rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Do you need the policy add-ons? – There are quite a few extra coverages you can purchase on your insurance policy. Coverages like rental car reimbursement, better glass coverage and additional equipment coverage are some examples. They may seem good initially, but now you might not need them so get rid of them and save.
  • Consolidate policies to earn discounts – Many insurance companies give discounts to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, you still need to compare rates to ensure the best deal. You may still find a better deal by buying insurance from a different company.
  • Men fork out a little more – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. They both have accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations such as reckless driving.
  • Where you live can impact rates – Living in small towns and rural areas can be a good thing when insuring your vehicles. Lower population means a lower chance of having an accident and a lower car theft rate. Urban drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times means more change of being in an accident.

It’s not one size fits all

When buying proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Is my cargo covered for damage or theft?
  • Does my personal policy cover me when driving out-of-state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount?
  • Are all vehicle passengers covered by medical payments coverage?
  • I have health insurance so do I need medical payments coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is motorclub coverage worth it?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, hitting a bird, damage from flooding and theft. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverages – This coverage covers damage to your Explorer Sport Trac resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, crashing into a building, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2003 Ford Explorer Sport Trac.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as emergency aid, bail bonds and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Be Smart and Buy Smart

Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, delays in paying claims, poor customer service or even being labeled a high risk driver. Regardless of your reason, finding a new company can be easy and end up saving you some money.

Budget-conscious 2003 Ford Explorer Sport Trac insurance is attainable on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not provide online quoting and these regional insurance providers work with independent agents.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. The aim is to get the best coverage possible at the best price.

More detailed insurance information is available in the articles below: