Compare 1996 Ford Explorer Car Insurance Quotes

Want cheaper auto insurance rates for your Ford Explorer? No one in their right mind anticipates paying for auto insurance, especially when they are aware that it costs too dang much.

Many car insurance companies vie for your business, and because of this it can be hard to compare insurers and get the definite cheapest price

The easiest way to compare rates takes advantage of the fact all the major auto insurance companies participate in online systems to compare their rates. All consumers are required to do is provide a small amount of information like whether you have decent credit, whether you are single or married, if the vehicle is leased, and what your job is. That rating information is instantly provided to many different companies and they provide comparison quotes instantly to find the best rate.

To get price quotes for your Ford Explorer now, click here and complete the quick form.

When in doubt talk to an agent

When choosing adequate coverage, there really is not a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover if your situation could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • What if I don’t agree with a claim settlement offer?
  • Is upholstery damage covered by car insurance?
  • Is my nanny covered when driving my vehicle?
  • What can I do if my company denied a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why am I required to buy high-risk coverage?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills for things like surgery, doctor visits and X-ray expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, 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 these coverages do not exceed the liability coverage limits.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from a tornado or hurricane and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – Collision insurance will pay to fix damage to your Explorer resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car, crashing into a ditch, hitting a mailbox and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Liability coverages – This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as attorney fees, structural damage, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.