View 2004 Ford Explorer Car Insurance Rates

Looking for the cheapest car insurance rates for your Ford Explorer? Are you tired of sacrificing other expenses each month for car insurance? You are in the same boat as many other vehicle owners. Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive best rates possible.

Consumers need to do rate comparisons quite often since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates on Explorer insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the fastest way to find the best coverage while lowering your premiums.

If you have a policy now or are looking for a new policy, you can use this information to cut your premiums while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need an understanding of the most efficient way to get comparison quotes on the web.

How much does insurance cost?

Finding a lower price on 2004 Ford Explorer insurance is a fairly straight forward process. You just need to take a couple of minutes comparing rates from some recommended companies. Rate comparisons can be done in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method prevents you from having to do repetitive form entry for each price estimate. A single, simple form gets you price quotes from all major companies.

A more time consuming way to obtain and compare quotes online requires a visit to each individual company website and go through the quote process again. For example, we’ll pretend you need rates from Liberty Mutual, Esurance and Progressive. You would have to spend time going to each site individually and repeatedly enter your information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, do your best to enter apples-to-apples coverage limits and deductibles for every company. If you compare differing limits you will not be able to make a fair rate comparison.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

  • Am I covered if hit by an uninsured driver?
  • If I drive on a suspended license am I covered?
  • Is a fancy paint job covered?
  • Is pleasure use cheaper than using my 2004 Ford Explorer to commute?
  • I don’t drive much so do I pay less?
  • When can I cancel my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as surgery, hospital visits, nursing services and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays for damage to your Explorer caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole, crashing into a ditch, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. 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, falling objects, damage from a tornado or hurricane, hitting a bird and a broken windshield. The most a car 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 consider removing comprehensive coverage.

Liability

This coverage can cover damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as legal defense fees, attorney fees and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.