2001 Ford Explorer Insurance Quotes – 6 Tips to Save

Buying budget auto insurance on the internet can appear to be rather difficult for drivers who are new to comparing rates and buying auto insurance on the internet. With so many options of insurers available, how are drivers expected to effectively compare every auto insurance company to find the lowest price?

It is always a good idea to shop coverage around yearly due to the fact that insurance prices are constantly changing. Just because you had the lowest rates for Explorer coverage at your last renewal there may be better deals available now. Ignore everything you know about auto insurance because I’m going to teach you the proper way to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Shopping for the lowest cost auto insurance coverage is simple if you know the tricks. Nevertheless, drivers must know the way insurance companies sell insurance online and take advantage of how the system works.

Compare free auto insurance quotes

Comparing auto insurance rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You could spend your day driving to local insurance agents in your area, or you can stay home and use the web for quick rates.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote. This saves time by eliminating quote forms to each company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to using this type of form is you cannot specify which carriers you want to price. So if you want to select specific providers to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just make sure you use apples-to-apples deductibles and coverage limits for every quote you compare. If you compare mixed coverages it will be next to impossible to find the best deal for your Ford Explorer. Even a minor difference in coverages may result in large price differences. Keep in mind that getting more free quotes helps you find more affordable insurance. Not every company does online price quotes, so it’s important to also get rates from those companies as well.

Brand name doesn’t guarantee savings

Progressive, GEICO, Allstate and State Farm endlessly run ads on TV and radio. They all advertise claims that you’ll save big just by switching your coverage to them. How does every company charge you a lower premium? Here is how they do it.

Most companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a preferred risk might be described as between 25 and 40, has no claims, and the vehicle is rated for pleasure use. Anybody that hits that “sweet spot” will probably get cheap rates and therefore will cut their rates substantially.

Drivers who fall outside those standards may be required to pay higher premium rates and this results in the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can make it sound like they have such great car insurance rates.

Because of the profiling, you should compare many company’s car insurance rates. It’s impossible to know which company will give you the biggest savings.

Drivers can save with these six money-saving discounts

Some companies don’t always advertise all disounts in an easy-to-find place, so here is a list both well-publicized and also the more inconspicuous credits that may apply to you.

  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower insurance rates.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get lower premium rates for Explorer coverage.
  • Discount for Multiple Policies – When you have multiple policies with the same insurance company you may earn over 10 percent off each policy depending on the company.
  • Accident Forgiveness Coverage – but some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Homeowners Pay Less – Just being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.

Drivers should understand that most discount credits are not given the the whole policy. Most only reduce individual premiums such as comp or med pay. So even though you would think you could get a free insurance policy, nobody gets a free ride. But any discount will definitely reduce your insurance premiums.

To choose companies who offer cheap insurance quotes, click here.

Do I need special coverages?

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For example, these questions may help you determine whether you will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving in Canada or Mexico?
  • What if I total my 2001 Ford Explorer and owe more than it’s worth?
  • What is medical payments coverage?
  • At what point should I drop full coverage?
  • Why do I need rental car insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your insurance policy

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

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses such as doctor visits, chiropractic care and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane and theft. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays for damage to your Explorer resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

This will cover injuries or damage you cause to other’s property or people in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, court costs, funeral expenses, medical services and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Explorer.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits do not exceed the liability coverage limits.

Make a quick buck

People switch companies for any number of reasons including lack of trust in their agent, not issuing a premium refund, high prices and even delays in paying claims. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

Some companies do not provide the ability to get a quote online and many times these regional insurance providers provide coverage only through independent agencies. Budget-conscious 2001 Ford Explorer insurance can be purchased both online and from local agencies, so you should be comparing quotes from both to have the best selection.

We’ve covered a lot of tips how to reduce 2001 Ford Explorer insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance coverage comes from a small local company.

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