2017 Ford Explorer Insurance Quotes

Trying to find lower auto insurance rates for your Ford Explorer? Baffled by the crazy number of auto insurance providers? vehicle owners have such a large number of options that it can be a difficult situation to locate the lowest auto insurance rates.

The purpose of this article is to familiarize you with the best way to quote coverages and some tricks to saving. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. But drivers benefit from understanding how insurance companies market insurance on the web and apply this information to your search.

Educated choices result in lower insurance prices

Many factors are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, but other factors are not quite as obvious like where you live or your commute time.Smart consumers have a good feel for the factors that help calculate your policy premiums. If you understand what influences your rates, this allows you to make good choices that can earn you big savings.

The items below are a few of the things used by insurance companies to determine your rate level.

  • Prevent theft and save – Buying a car with an alarm system can save you some money. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft.
  • Don’t cut corners with liability insurance – Liability insurance provides coverage if ever you are determined to be liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense to defend your case. Liability is cheap compared to comp and collision, so do not skimp.
  • Additional coverages that may be costing you – Insurance companies have many add-on coverages you can purchase on your Explorer policy. Add-on coverages like coverage for rental cars, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but now you might not need them so remove them from your policy.
  • Never let your auto insurance policy expire – Letting your insurance expire is a sure-fire way to increase your auto insurance rates. Not only will you pay more, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license.
  • Higher prices for high stress vocations – Careers such as judgespolice officers and medical professionals are shown to have the highest average rates because of stressful work requirements and lengthy work days. On the flip side, occupations such as professors, engineers and the unemployed have the lowest average rates for Explorer coverage.
  • Annual mileage and car insurance premiums – The more you drive your Ford each year the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based upon how much you drive. Cars and trucks that sit idle most of the time get more affordable rates compared to those used for work or business. A policy that improperly rates your Explorer may be costing you higher rates. It’s a smart idea to ensure your declarations sheet shows how each vehicle is driven, because improper ratings can cost you money.
  • Adjust deductibles and save – Insurance for physical damage to your car, aka comp and collision, covers your vehicle from damage. Some examples of claims that would be covered are a dented fender, hitting a deer, and damage from a fallen tree branch. Deductibles for physical damage define the amount you are willing to pay if a claim is determined to be covered. The more expense you have to pay, the less your auto insurance will be for Explorer coverage.
  • Older drivers pay less – Inexperience drivers tend to be inattentive when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.

How much does auto insurance cost?

Many insurance companies like State Farm, GEICO and Progressive allow you to get prices for coverage on their websites. Comparing prices online is quite simple as all you need to do is type in into the quote form. Behind the scenes, their rating system orders your driving and credit reports and returns a price determined by many factors.

Quoting online makes it easy to compare insurance prices but the time required to go to each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find a lower rate.

The quickest way to find better auto insurance pricing requires only one form that obtains quotes from a lot of companies. It saves time, requires much less work on your part, and makes online price comparison much simpler. After your information is entered, it gets priced with multiple companies and you can pick any or none of the resulting price quotes.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly use this form to compare rates, click here to open in new window and submit the form. If you currently have coverage, we recommend you replicate deductibles and limits as close as possible to your current policy. This guarantees you’re receiving comparison quotes for the exact same coverage.

Do auto insurance companies bend the truth?

Big name companies like State Farm, GEICO and Progressive constantly bombard you with television, radio, and online ads. They all seem to have a common claim that drivers can save some big amount if you get a free auto insurance quote and switch your policy. How does every company cost less than your current company? This is the trick they use.

All companies quote their cheapest rates for the type of driver that is profitable for them. A good example of a profitable insured might have to be between the ages of 30 and 50, has a clear driving record, and does not commute to work. Anybody who fits those characteristics will get very good prices and will most likely save a lot if they switch.

Insureds who fall short of these standards may be forced to pay a higher rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “all people who quote” will save that much if they switch. That is how companies can advertise the way they do.

This really emphasizes why it is so important to get auto insurance quotes as often as possible. Because you cannot predict which auto insurance company will fit you best based on your risk profile.

Cheap car insurance quotes with discounts

Companies that sell car insurance don’t always publicize every discount very clearly, so here is a list both well-publicized and also the lesser-known ways to save on car insurance. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

  • Discounts for New Vehicles – Buying coverage on a new vehicle can be considerably cheaper because new model year vehicles are generally safer.
  • Accident Forgiveness – Not a discount per se, but some companies like Allstate and Progressive will forgive one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
  • Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote in comparison with bad drivers.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.

One thing to note about discounts is that most discount credits are not given the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will cut your overall bill.

For a list of providers that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • What is an SR-22 filing?
  • Do all my vehicles need collision coverage?
  • Is extra glass coverage worth it?
  • Does my car insurance cover rental cars?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverage information

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability auto insurance – This will cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, court costs and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

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

Comprehensive can pay for claims like theft, damage from flooding and vandalism. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – This covers damage to your Explorer resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, crashing into a ditch, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

You can do this!

Consumers leave their current company for a variety of reasons including policy non-renewal, extreme rates for teen drivers, unfair underwriting practices or even delays in paying claims. Regardless of your reason, finding the right car insurance provider can be less work than you think.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In many cases, someone dropped physical damage coverage and found out when filing a claim that they should have had better coverage. The aim is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

In this article, we presented a lot of techniques to save on 2017 Ford Explorer insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies.

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