2004 Ford Explorer Sport Trac Insurance Cost

Trying to find the cheapest insurance rates for your Ford Explorer Sport Trac? Searching for the cheapest insurance for a Ford Explorer Sport Trac can turn out to be difficult, but you can learn the following methods to make it easier. There are more efficient ways to buy insurance so we’re going to tell you the proper way to price shop coverage on a Ford and get the lowest possible price from both online companies and local agents.

Smart buyers can slash their insurance rates

Multiple criteria are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, but others are less obvious like your continuous coverage or your vehicle rating.A large part of saving on auto insurance is knowing some of the factors that aid in calculating your policy premiums. If you know what determines premiums, this allows you to make good choices that will entitle you to lower auto insurance prices.

  • Keep auto insurance claims to a minimum – Car insurance companies award the best rates to people who are claim-free. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • More than one policy can earn a discount – Many insurers apply discounts to customers that have more than one policy. It’s known as a multi-policy discount. Discounts can add up to ten percent or more. If you currently are using one company, it’s always a smart idea to comparison shop to help ensure you have the lowest rates. You may still find better rates by buying insurance from more than one company.
  • Advanced GPS tracking and theft deterrents – Buying a car with a theft deterrent system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft.
  • High credit scores save money – Having a bad credit history can be a huge factor in calculating your auto insurance rates. If your credit can be improved, you could save money insuring your 2004 Ford Explorer Sport Trac if you clean up your credit. Drivers who have very good credit scores tend to be more responsible than drivers with lower credit scores.
  • Cheaper premiums with safer cars – Vehicles with high crash test scores cost less to insure. Vehicles built for safety protect occupants better and reduced instances of injuries means your insurance company pays less and lower rates for you.
  • Accidents increase premiums – Having a single speeding ticket may increase your cost substantially. Drivers with clean records get better rates as compared to those with violations. People who have dangerous citations like reckless driving, hit and run or driving under the influence may find they need to complete a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
  • Physical damage deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some examples of claims that would be covered could be colliding with a building, vandalism, and damage caused by flying debris. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the less your company will charge you for insurance on Explorer Sport Trac coverage.
  • Employer stress can affect auto insurance rates – Do you work in a high-stress field? Occupations such as military personnelpolice officers and financial analysts tend to pay higher premium rates because of stressful work requirements and lots of time spent at work. On the flip side, professions such as farmers, engineers and performers receive lower rates on Explorer Sport Trac coverage.

How to get low cost auto insurance

Finding more affordable auto insurance prices is not a difficult process. All you need to do is spend a few minutes comparing price quotes from some recommended companies. Price comparisons can be done in a couple of different ways.

  • The most efficient method to find low rates is an all-inclusive rate comparison click to view form in new window. This quick form saves time by eliminating multiple quote forms for every company. One form will get you rate comparisons from all major companies. This is perfect if you don’t have a lot of time.
  • Another way to analyze rates is going to each company’s website and go through the quote process again. For sake of this example, we’ll pretend you want to see prices from Progressive, GEICO and GMAC. To do that, you would have to visit each site and enter your information, and that explains why we recommend the first method.

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

How you compare quotes is your choice, just try to keep identical quote information for each quote you get. If the quotes have different data you will not be able to truly determine the lowest rate.

Are you receiving every discount?

Car insurance companies don’t always advertise all their discounts very clearly, so here is a list both well-publicized as well as some of the hidden discounts that you may qualify for.

  • Professional Memberships – Being in specific professional or occupational memberships or organizations could earn you a nice discount when getting a insurance coverage quote.
  • Senior Citizen Discount – Seniors may be able to get a small decrease in premiums on Explorer Sport Trac coverage.
  • Accident Free – Insureds who avoid accidents and claims can save substantially as compared to drivers who are more careless.
  • Discounts for Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote on Explorer Sport Trac coverage compared to accident prone drivers.
  • Low Mileage Discounts – Driving less can qualify you for slightly better premium rates than normal.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
  • Defensive Driver – Passing a course in defensive driving could possibly earn you a 5% discount if you qualify.

Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

A few companies that may offer policyholders most of the discounts above include:

When getting a coverage quote, ask all the companies to apply every possible discount. A few discounts may not apply to policyholders in your area. If you would like to view insurance companies that offer some of these discounts, follow this link.

When in doubt talk to an agent

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions can help discover whether or not you could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • Why am I required to get a high-risk car insurance policy?
  • Does insurance cover damages from a DUI accident?
  • Does my car insurance cover rental cars?
  • How can I force my company to pay a claim?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?
  • Are rental cars covered under my policy?
  • What is PIP insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, damage from getting keyed, falling objects, hail damage and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

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. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

This coverage provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for nursing services, chiropractic care and dental work. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your Explorer Sport Trac from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, backing into a parked car, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

More choices the merrier

You just learned some good ideas how you can lower your 2004 Ford Explorer Sport Trac insurance premium rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheap insurance coverage. You may even find the biggest savings come from some of the smallest insurance companies.

The cheapest 2004 Ford Explorer Sport Trac insurance is available both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide online rate quotes and most of the time these small insurance companies sell through local independent agents.

Drivers switch companies for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, not issuing a premium refund and poor customer service. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Even more information is available at these sites: