View 2005 Ford Explorer Insurance Quotes

Searching for better insurance prices for a new or used Ford Explorer can turn out to be a painful process, but you can learn a few tricks to save time. There are more efficient ways to find car insurance online so we’re going to tell you the quickest way to get price quotes for a new or used Ford and locate the lowest price from both online companies and local agents.

It’s important to shop coverage around periodically because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on Explorer coverage on your last policy the chances are good that you can find a lower rate quote today. There is too much inaccurate information about car insurance online, but in this article, you’re going to get the easiest ways to quit paying high car insurance rates.

Cheapest car insurance quotes

Shopping for lower car insurance rates can take time and effort if you aren’t aware of the most efficient way to do it. You can waste a lot of time driving to agents in your area, or you can stay home and use the internet for quick rates.

All the larger companies take part in a program that enables customers to complete one form, and each company then gives them pricing based on that data. This saves time by eliminating quote forms for every car insurance company.

To find out how much you can save on car insurance click here to open in new window.

The one downside to using this type of form is that consumers can’t choose the insurers to receive prices from. So if you prefer to choose individual companies for rate comparison, we have a page of the cheapest car insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you compare the exact same coverage data for each price quote. If you compare differing limits it will be nearly impossible to determine which company has the best rates.

Learn how to lower your insurance rates

Smart consumers have a good feel for the factors that aid in calculating your policy premiums. If you have some idea of what determines premiums, this helps enable you to make changes that may result in lower premium levels.

  • Youthful drivers cost more – Teen drivers tend to be less responsible behind the wheel so insurance rates are higher. Older people are proven to be safer behind the wheel, cost insurance companies less in claims and tend to be get fewer driving tickets.
  • Is you vocation costing you more? – Did you know your job can affect your rates? Occupational choices like military personnel, social workers and stock brokers are shown to have higher premium rates because of high stress levels and lengthy work days. On the flip side, jobs like farmers, historians and retirees have lower than average premiums on Explorer coverage.
  • Drive less and save – The more miles you rack up on your Ford in a year the higher your rates will be. Many insurance companies apply a rate based on their usage. Cars that are left in the garage cost less to insure than those used for commuting. Double check that your insurance policy correctly shows the proper vehicle usage, because it can save money. Having the wrong rating on your Explorer may be costing you higher rates.
  • What are good liability limits? – Your policy’s liability coverage provides coverage if a jury decides you are liable for personal injury or accident damage. Your liability coverage provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Better credit means lower prices – Credit history is a large factor in determining what you pay. So if your credit history could use some work, you could pay less to insure your 2005 Ford Explorer if you clean up your credit. People with very high credit ratings tend to be more responsible and file fewer claims than drivers with worse credit.

Discounts can really help to save

Auto insurance companies do not list the complete list of policy discounts very well, so the following is a list of some of the best known as well as some of the hidden discounts you could be receiving when you buy insurance online.

  • Active Service Discounts – Having a deployed family member could be rewarded with lower prices.
  • Accident Waiver – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident without raising rates so long as you are claim-free for a set time period.
  • Driving Data Discount – Insureds who allow their insurance company to scrutinize when and where they use their vehicle by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if their driving habits are good.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you better rates if you take out auto and life insurance together.
  • ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Paperwork-free – A handful of insurance companies will give you a small discount for buying your policy online.
  • Safety Restraint Discount – Drivers who require all occupants to use their safety belts could save 15% off the medical payments premium.

Remember that most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, it just doesn’t work that way.

Some of the insurance companies that have these money-saving discounts include:

When quoting, ask every insurance company which discounts you qualify for. Some discounts may not apply to policies in your state.

Will just any policy work for me?

When buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • What is no-fault insurance?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving a rental car?
  • When does my teenage driver need to be added to my policy?
  • Where can I find DUI or SR-22 insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • How can I find cheaper teen driver insurance?
  • How high should deductibles be on a 2005 Ford Explorer?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision coverage pays for damage to your Explorer caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Explorer.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as doctor visits, funeral costs, prosthetic devices and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, structural damage, funeral expenses, medical expenses and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Shop smart and save

Low-cost 2005 Ford Explorer insurance is attainable both online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not have rates over the internet and these smaller providers sell through independent agents.

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits only to find out that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

We covered some good ideas how to compare 2005 Ford Explorer insurance rates online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

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