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.
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.
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.
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.
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.
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.
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
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: