2002 Ford Explorer Sport Insurance Quotes

If you are new to online price comparisons, by this point your are probably baffled by the vast number of insurance providers that all say they have the best rates.

How to find the cheapest insurance coverage

To find inexpensive auto insurance quotes, there are several ways to compare rate quotes from insurance coverage companies in your area. The fastest way to compare rates is to get quotes online. This can be accomplished in a couple minutes as outlined below.

Probably the best way to get quotes is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for separate quote forms for each price estimate. One simple form will return price quotes from many national carriers. This is perfect if you don’t have a lot of time.

A slightly less efficient method to analyze rates is spending the time to visit the website for each individual company to complete their respective quote request forms. For instance, let’s say you want to see prices from Allstate, State Farm and GEICO. In order to get each rate, you would have to visit each site and type in your information over and over, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use equivalent coverages and limits for every company. If your comparisons have different limits and deductibles on each one it’s not possible to determine the best price for your Ford Explorer Sport. Just a small difference in insurance coverages can mean a large discrepancy in price. And when quoting insurance coverage, remember that more quotes increases your odds of finding lower pricing. Not every company allows you to get price estimates online, so you need to compare rates from the smaller companies as well.

Earn discounts on car insurance

Some insurance providers don’t always advertise every available discount very well, so below is a list both well-publicized and the harder-to-find savings tricks you should be using when you buy auto insurance online.

  • Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote auto insurance for Explorer Sport coverage with certain companies.
  • Multiple Vehicles – Buying a policy with more than one vehicle on one policy can get a discount for every vehicle.
  • Cautious Drivers – Safe drivers can save up to 40% or more on their auto insurance quote for Explorer Sport coverage compared to rates paid by drivers with frequent claims.
  • Resident Student – who live away from home to go to college and don’t have a car may qualify for this discount.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving can save 10% or more on medical payment and PIP coverage.
  • Theft Deterent Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy auto and life insurance together.
  • Telematics Devices – Drivers who agree to allow their company to scrutinize driving habits by installing a telematics device such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • E-sign Discounts – A few insurance companies give back up to $50 get auto insurance online.

Please keep in mind that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

A few popular companies and some of their more popular discounts can be found below.

  • Progressive may offer discounts for homeowner, online quote discount, continuous coverage, multi-vehicle, online signing, multi-policy, and good student.
  • SAFECO offers discounts including homeowner, teen safety rewards, accident prevention training, multi-car, bundle discounts, and anti-lock brakes.
  • American Family includes discounts for good student, air bags, Steer into Savings, accident-free, and good driver.
  • MetLife has discounts for good driver, defensive driver, multi-policy, good student, accident-free, and claim-free.
  • GEICO offers discounts for federal employee, anti-theft, defensive driver, daytime running lights, and multi-policy.
  • The Hartford discounts include good student, defensive driver, anti-theft, bundle, air bag, and driver training.

It’s a good idea to ask all companies you are considering which discounts you qualify for. Some discounts listed above may not apply to policyholders in your state. For a list of insurers that have a full spectrum of discounts, click here to view.

How you can control Ford Explorer Sport insurance premiums

Multiple criteria are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving history, but some are more obscure such as your marital status or how safe your car is.Part of the car insurance buying process is learning some of the things that aid in calculating car insurance rates. If you know what influences your rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Get hitched and pay less – Having a significant other helps lower the price on your car insurance policy. Marriage may mean you are more responsible and insurance companies like that being married results in fewer claims.
  • Always have car insurance – Driving without insurance is not a good idea and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher premiums, being ticketed for driving with no insurance will get you fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Annual mileage and car insurance costs – The more you drive every year the higher your rate. The majority of insurers calculate rates based on how the vehicle is used. Cars and trucks left parked in the garage can be on a lower rate level than vehicles that have high annual mileage. Verify your car insurance declarations sheet is showing the correct usage for each vehicle. Having an incorrect usage rating on your Explorer Sport is throwing money out the window.
  • Teen drivers pay high rates – Older insureds tend to be more responsible, file fewer claims and get fewer tickets.Drivers with little experience tend to get distracted easily when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
  • Better drivers have lower prices – Getting just one speeding ticket or other violation may increase your cost forty percent or more. Drivers who don’t get tickets pay less for auto insurance as compared to careless drivers. Drivers who have careless violations such as DUI or reckless driving are required to submit a SR-22 form with their state in order to prevent a license revocation.
  • Use but don’t abuse your insurance – If you are a frequent claim filer, don’t be surprised to see either a policy non-renewal or much higher rates. Insurance companies award better rates to insureds that do not abuse their auto insurance. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if you might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • Is my trailer covered?
  • How high should deductibles be on a 2002 Ford Explorer Sport?
  • What can I do if my company won’t pay a claim?
  • How much liability insurance is required?
  • What is high-risk coverage and where do I buy it?
  • Will my insurance pay for OEM parts?
  • Should I carry comprehensive and collision coverage?
  • Which companies will insure high-risk drivers?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Save $429 a year! What?

Car insurance companies such as Allstate and Progressive constantly bombard you with television, radio, and online ads. All the ads tend to make the same promise about how much you will save if you change your coverage to them. How is it possible that every company can charge lower premium rates? Just pay attention to how they say it.

Many companies offer their best rates for the type of customer that will not have excessive claims. An example of a preferred risk should be over the age of 40, has no driving citations, and has a high credit rating. Any person who matches that profile will most likely get cheap prices and will most likely save when they switch companies.

Insureds who are not a match for the ideal profile may receive a more expensive rate with the end result being the customer buying from someone else. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that much when switching. That’s the way companies can make the claims of big savings. Because every company is different, you absolutely need to get price quotes at each policy renewal. Because you never know which car insurance company will give you lower auto insurance rates than your current company.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for liability

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like legal defense fees, structural damage, loss of income and bail bonds. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for pain medications, chiropractic care, dental work, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding, theft and fire damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Explorer Sport resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Affordable insurance is out there

Budget-conscious 2002 Ford Explorer Sport insurance is possible online as well as from independent agents, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance companies don’t offer the ability to get quotes online and usually these small, regional companies prefer to sell through local independent agencies.

People switch companies for any number of reasons including policy cancellation, lack of trust in their agent, unfair underwriting practices or questionable increases in premium. It doesn’t matter what your reason, finding a new insurance company is not as difficult as it may seem.

As you prepare to switch companies, you should never buy less coverage just to save a little money. In too many instances, someone dropped full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at an affordable rate.

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