1994 Ford Explorer Insurance Quotes

Being forced to pay for high-priced car insurance premiums can bottom out your personal savings and make it impossible to make ends meet. Comparing price quotes is an excellent way to lower your bills every month.

Numerous auto insurance companies battle for your business, and it can be difficult to compare rates to get the lowest rate

It’s important to check car insurance prices as often as possible because car insurance rates are usually higher with each renewal. Just because you had the lowest rate on Explorer insurance a year ago the chances are good that you can find a lower price today. Ignore everything you know about car insurance because you’re about to learn the right way to find better rates and still maintain coverage.

If you have a policy now or need a new policy, you can use this information to cut your premiums and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the proper methods to compare price quotes over the internet.

The easiest way to compare rate quotes utilizes the fact all the major auto insurance companies participate in online systems to give you rate quotes. All consumers are required to do is provide a little information such as any included safety features, if the vehicle is leased, your education level, and whether you are married. The data is instantly submitted to many highly-rated insurers and you should receive rate quotes instantly to find the best rate.

You may qualify for discounts

Car insurance is easily one of your largest bills, but you might be missing out on some discounts to help bring down the price. Many of these discounts will be applied automatically when you quote, but a few must be asked for before you get the savings.

  • Senior Discount – Drivers that qualify as senior citizens may qualify for better car insurance rates on Explorer insurance.
  • Good Drivers – Accident-free drivers can pay as much as 50% less on Explorer insurance than drivers with accident claims.
  • Anti-lock Brake System – Cars with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Good Student – Excelling in school can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Telematics Discount – Drivers who agree to allow data collection to monitor where and when they drive by using a telematics device like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will bring down the premium cost.

A few companies that possibly offer these benefits include:

Before purchasing a policy, check with each insurance company how many discounts you can get. Some credits may not apply to policies in your area. To choose insurers that provide some of the discounts listed above, click here.

There’s no such thing as the perfect car insurance policy

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. These are some specific questions may help highlight whether you might need professional guidance.

  • What are the financial responsibility laws in my state?
  • Can I afford low physical damage deductibles?
  • How can I find cheaper teen driver insurance?
  • Is my nanny covered when driving my vehicle?
  • Do I need rental car coverage?
  • Do I need replacement cost coverage on my 1994 Ford Explorer?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Insurance coverage options for a 1994 Ford Explorer

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, damage from flooding and vandalism. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles, structural damage and court costs. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for EMT expenses, chiropractic care, X-ray expenses, pain medications and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 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. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.