2008 Ford Explorer Insurance Rates – 8 Policy Discounts

Want the cheapest insurance rates for your Ford Explorer? Finding more affordable prices on Driversinsurance might be a challenge for drivers not familiar with comparison shopping online. With such a large number of companies, it can easily be a ton of work to compare rates.

It is always a good idea to compare prices before your next renewal since rates are rarely the same from one policy term to another. If you had the best premium rates on Explorer coverage last year you will most likely find a better price today. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to quote online to buy cheaper insurance.

How to get cheap auto insurance

Most larger insurance companies allow consumers to get insurance quotes on the web. Obtaining pricing doesn’t take a lot of time because you just enter your personal and coverage information into the quote form. Once you submit the form, their system collects your credit score and driving record and returns a price based on the information you submitted.

This makes it easy to compare insurance prices but the time it takes to visit many different websites and type in the same information is a waste of time. Unfortunately, it is important to have as many quotes as possible if you are searching for the lowest price.

The easy way to compare rates

An easier way to compare auto insurance pricing is to use a quote form to obtain quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online shopping much easier. As soon as the form is sent, your coverage is rated and you can choose any of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes less than 15 minutes and may result in a nice savings.

To quickly fill out one form to compare multiple rates now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you copy coverages and limits as shown on your current policy. Doing this guarantees you will have an apples-to-apples comparison for similar insurance coverage.

What insurance coverages do I need?

When choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different.

For example, these questions can aid in determining whether you would benefit from professional advice.

  • How can I force my company to pay a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Are split liability limits better than a combined single limit?
  • Is my dog or cat covered if injured in an accident?
  • If my 2008 Ford Explorer is totaled, can I afford another vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much underlying liability do I need for an umbrella policy?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Specifics of your insurance policy

Knowing the specifics of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Ford Explorer.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Liability insurance – This coverage protects you from damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as attorney fees, bail bonds, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like nursing services, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, sideswiping another vehicle, colliding with a tree, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hail damage, vandalism, falling objects and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.