2016 Ford Explorer Car Insurance Rates

Searching for lower insurance coverage rates for your Ford Explorer? Locating low-cost insurance for a new or used Ford Explorer can be difficult, but you can use the following methods to make it easier. There is a better way to find insurance coverage online so you’re going to learn the best way to compare rates on a Ford and locate the cheapest rates from local insurance agents and online providers.

Choosing the best insurance company for you is not rocket science. If you have a current insurance coverage policy or need new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Drivers only need to know the proper way to compare company rates on the web.

Ford Explorer premiums are determined by many factors

An important part of buying insurance is that you know the factors that come into play when calculating your insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to lower insurance prices.

  • Teen drivers pay high rates – Teen drivers tend to be less responsible behind the wheel so insurance rates are higher. Parents adding a teenage driver to your policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and get fewer tickets.
  • Do you work long hours in a high stress job? – Occupations like judges, architects and accountants are shown to have higher rates than average attributed to high stress levels and long work days. On the flip side, occupations like pilots, athletes and retirees pay the least on Explorer coverage.
  • Pay less if you’re married – Being married helps lower the price when buying insurance. Having a significant other usually means you are more responsible and it’s statistically proven that drivers who are married are more cautious.
  • Where you live – Choosing to live in a small town can be a good thing when buying insurance. Urban drivers regularly have much more traffic and longer commute times. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your insurance declarations sheet properly reflects the correct usage for each vehicle. Incorrect usage on your Explorer can cost quite a bit.
  • Poor driving leads to higher costs – Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even one speeding ticket can increase rates by as much as thirty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

Discounts mean cheaper 2016 Ford Explorer insurance rates

Companies do not advertise all their discounts very well, so we took the time to find both the well known as well as the least known ways to save on car insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Clubs and Organizations – Being a member of a civic or occupational organization could qualify you for a break on your policy on Explorer coverage.
  • Save over 55 – If you’re over the age of 55, you may receive reduced rates on Explorer coverage.
  • Paperwork-free – Some insurance companies will give a small break simply for signing digitally online.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Explorer coverage than their less cautious counterparts.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

Companies who might offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings might not apply in your area.

Do insurance coverage companies bend the truth?

Drivers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. They all say the same thing about savings if you switch to their company.

How do they all say the same thing?

Different companies have a preferred profile for the driver that is profitable for them. An example of a profitable customer might be profiled as between 25 and 40, owns a home, and has a short commute. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably save when switching.

Consumers who don’t qualify for the requirements will be quoted higher premiums and this can result in business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that much. That is how companies can truthfully make the claims of big savings. This emphasizes why you should quote coverage with many companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Where can I find high-risk insurance?
  • What exactly is covered by my policy?
  • Can I get a multi-policy discount?
  • Am I missing any policy discounts?
  • Can I afford to pay high deductible claims out of pocket?
  • What is covered by UM/UIM coverage?
  • Do I have newly-aquired coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Explorer.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.


Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like loss of income, repair bills for other people’s vehicles, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, hitting a bird and a broken windshield. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for prosthetic devices, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Summing up your insurance coverage search

Consumers switch companies for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, policy non-renewal and high prices. No matter why you want to switch, switching companies can be easy and end up saving you some money.

In this article, we covered some good ideas how to reduce 2016 Ford Explorer insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may even find the best price on insurance coverage is with some of the smallest insurance companies.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced uninsured motorist or liability limits only to discover later that it was a big mistake. Your aim should be to buy enough coverage for the lowest price while still protecting your assets.

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