Compare 2003 Ford Explorer Car Insurance Quotes

Looking for better auto insurance rates for your Ford Explorer? Scraping up a payment for expensive Ford Explorer insurance can dwindle your monthly budget and put a big crunch on your finances. Doing a rate analysis is a fast and free way to ensure you are getting the best deal.

Companies like Progressive, GEICO and Farmers Insurance promote their brand names with TV and radio ads and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

The quickest method we recommend to compare rate quotes is to understand all the major auto insurance companies allow for online access to provide you with free rate quotes. The one thing you need to do is give them some information including if a SR-22 is required, how much education you have, if the vehicle is leased, and how your vehicles are used. That rating information is instantly sent to multiple auto insurance providers and you will get price comparisons quickly.

If you would like to start a quote now, click here and enter the information requested.

Auto insurance rates and discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but occassionally some discounts must be manually applied in order for you to get them. If you do not check that you are getting every discount available, you could be saving more on your auto insurance.

  • Discounts for Safe Drivers – Accident-free drivers can save as much as half off their rates on Explorer insurance as compared to drivers with claims.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
  • Accident Waiver – This one isn’t a discount, but a few companies such as Progressive and Allstate permit an accident before they charge you more for coverage if you have no claims before the accident.
  • Discount for Swiching Early – Some companies reward drivers for switching companies prior to your current policy expiration. This discount can save up to 10%.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease on Explorer insurance with certain companies.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Driver Safety – Participating in a course that instructs on driving safety could earn you a small percentage discount if you qualify.
  • Homeowners Discount – Owning a house can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Multi-line Discount – If the company offers life insurance, you could get a lower price if you buy some life insurance in addition to your auto policy.

We need to note that some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

Some companies that may offer most of these discounts include:

If you need cheap insurance quotes, ask all companies you are considering which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies everywhere. If you would like to view insurance companies that offer multiple discounts, click here to view.

Situations that may require an agent’s advice

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • Why is insurance for a teen driver so high?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should I not file a claim?
  • Is my ex-spouse still covered by my policy?
  • Do I have coverage when making deliveries for my home business?
  • Can I afford to buy a different vehicle if my 2003 Ford Explorer is totaled?
  • Is business property covered if stolen from my car?
  • Am I covered if my car is in a flood?
  • What can I do if my company won’t pay a claim?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Insurance policy specifics

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as surgery, funeral costs, dental work and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage – This can cover damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, loss of income, medical expenses and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2003 Ford Explorer.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a building, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers things such as vandalism, damage from a tornado or hurricane, hitting a deer and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.