1993 Ford Explorer Insurance Quotes – 6 Tips for Best Rates

Shoppers have lots of choices when shopping for affordable Ford Explorer insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to find the lowest rates.

There is a right way and a wrong way to find car insurance online and we’ll show you the absolute fastest way to get price quotes for your Ford and locate the lowest price.

It’s a great practice to get comparison quotes occasionally because prices change frequently. If you had the best price for Explorer coverage two years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the easiest ways to lower your annual insurance bill.

If you have insurance now or need new coverage, you can use these tips to shop for the lowest rates while maintaining coverages. This article will tell you the most effective way to quote insurance and some money-saving tips. Drivers just need to learn the most efficient way to shop their coverage around online.

The method we recommend to compare insurance rates from multiple companies is to understand most larger insurance companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details like if you are currently licensed, distance driven, level of coverage desired, and whether your vehicle is owned or leased. Your details is then sent to multiple top-rated companies and you get price estimates immediately.

Well known brands might not be cheapest

Consumers can’t escape the ads that promise big savings from the likes of State Farm and Allstate. They all try to convey promises that drivers will save a bundle after switching to their company.

How is it possible that every company can lower your premium rates?

Most companies have specific criteria for the type of driver that earns them the most money. A good example of a desirable risk could be over the age of 45, has a clear driving record, and has a high credit rating. Any driver that matches those criteria will probably get cheap rates and will cut their rates if they switch.

Drivers who do not meet these standards will get higher premium rates with the end result being the customer not buying. The ads say “drivers who switch” not “all people who quote” save that much when switching. That’s why insurance companies can make those statements.

Each company has different criteria, so you should compare quotes as often as possible. It’s just not possible to know which company will have the lowest auto insurance rates for your situation.

Get lower rates with these six discounts

Companies don’t always list every disount available very well, so the list below contains some of the more common and the harder-to-find ways to save on car insurance.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
  • Clubs and Organizations – Belonging to a qualifying organization could trigger savings when getting a auto insurance quote.
  • Switch and Save Discount – Some insurance companies reward drivers for switching to them early. It could save around 10% when you buy auto insurance online.
  • Accident Waiver – Not really a discount, but a few companies such as GEICO and Liberty Mutual will turn a blind eye to one accident before raising your premiums if you have no claims for a set time period.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may earn over 10 percent off each policy depending on the company.
  • Distant Student Discount – Any of your kids living away from home attending college and do not have a car could get you a discount.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

If you would like to choose from a list of companies who offer discounts, click here to view.

What is the best auto insurance coverage?

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

For instance, these questions could help you determine if your situation could use an agent’s help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is business property covered if stolen from my car?
  • Will my insurance pay for OEM parts?
  • Can I still get insurance after a DUI?
  • Does liability extend to a camper or trailer?
  • What can I do if my company won’t pay a claim?
  • Does coverage extend to Mexico or Canada?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Specifics of your insurance policy

Knowing the specifics of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 1993 Ford Explorer.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hail damage, rock chips in glass, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for EMT expenses, X-ray expenses, pain medications and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your Explorer from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s 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. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like court costs, bail bonds, pain and suffering and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

More choices the merrier

More affordable insurance is definitely available on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not have online rate quotes and many times these smaller providers only sell through independent insurance agents.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Insureds leave their current company for a variety of reasons including delays in responding to claim requests, policy cancellation, denial of a claim or delays in paying claims. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.

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