Cheaper 2013 Ford Explorer Insurance Rates

Trying to find lower insurance rates for your Ford Explorer? Are you confused by the dozens of insurance companies? You’re not the only one! There are so many choices that it can quickly become a ton of work to find better rates.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, everyone who is required by state law to have insurance stands a good chance to be able to find better rates. Nevertheless, consumers need to have an understanding of how big insurance companies sell insurance online.

Parts of the Ford Explorer rate equation

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in big savings.

  • Sex matters – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the male of the species cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Liability coverage is peace of mind – Liability coverage will protect you when you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Pleasure use saves money – The more miles you rack up on your Ford every year the higher your rate. Most insurance companies rate vehicles based on their usage. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Explorer may be costing you.
  • High deductibles save money – Your deductibles define the amount you are willing to pay before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the lower your rates will be for Explorer insurance.
  • Being married can save on insurance – Getting married helps lower the price on your policy. It translates into being more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • Safer occupants lowers premiums – Cars with high safety ratings get lower rates. Safe vehicles protect occupants better and fewer injuries means less money paid by your insurance company and lower rates for you. If your Ford Explorer is rated at least four stars on it is probably cheaper to insure.
  • Clean credit earns discounts – Credit history is a important factor in determining what you pay for insurance. So if your credit is not that good, you could save money insuring your 2013 Ford Explorer by spending a little time repairing your credit. People with high credit scores tend to be more responsible than drivers who have lower credit scores.
  • Don’t let your coverage lapse – Not having insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Take discounts and save

Companies that sell car insurance don’t list all available discounts very clearly, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
  • Memberships – Participating in a qualifying organization may earn a discount on your policy for Explorer insurance.
  • Resident Student – Children who live away from home and do not have a car may qualify for this discount.
  • Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Early Signing – Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Insurance companies who might offer some of the above discounts include:

Double check with each company what discounts are available to you. All car insurance discounts may not be available in your state.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might point out if you may require specific advice.

  • What are the best liability limits?
  • Is business property covered if stolen from my car?
  • Can I afford low physical damage deductibles?
  • Are my tools covered if they get stolen from my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Insurance policy specifics

Understanding the coverages of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance – This will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for 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. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, attorney fees and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – Collision coverage covers damage to your Explorer resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, X-ray expenses, rehabilitation expenses, hospital visits and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

A fool and his money are soon parted

Discount 2013 Ford Explorer insurance is attainable from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. A few companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability coverage limits only to regret they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate.

Consumers switch companies for many reasons like delays in paying claims, lack of trust in their agent, being labeled a high risk driver or an unsatisfactory settlement offer. No matter why you want to switch, switching companies can be easy and end up saving you some money.

More information can be found on the following sites: