2009 Ford Explorer Insurance Quotes – 10 Ways to Save

Want better auto insurance rates for your Ford Explorer? Trying to find better insurance prices for a new or used Ford Explorer could be an all-consuming task, but you can follow our auto insurance buying tips to make it easier.

There is a right way and a wrong way to shop for auto insurance and you need to know the best way to get price quotes for your Ford and locate the best price possible.

You should take the time to take a look at other company’s rates at least once a year due to the fact that insurance rates go up and down regularly. Despite the fact that you may have had the lowest premium rates on Explorer coverage last year there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because you’re going to learn how to use the internet to find better rates and still maintain coverage.

If you have a policy now or are just looking to switch companies, you can use these tips to get lower rates and possibly find even better coverage. Buying cheaper coverage is easy if you know what you’re doing. Vehicle owners just need to know how to compare price quotes online.

More affordable rates by taking advantage of these ten discounts

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at quote time, but some may not be applied and must be manually applied prior to getting the savings. If you don’t get every credit you qualify for, you could be getting lower rates.

  • Anti-lock Brakes – Cars with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
  • Home Ownership Discount – Just owning your own home can help you save on insurance due to the fact that maintaining a home is proof of financial responsibility.
  • Telematics Devices – Drivers who elect to allow data collection to spy on their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
  • Buy New and Save – Buying insurance coverage on a new vehicle can save up to 30% since new vehicles are generally safer.
  • Theft Deterent – Vehicles that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Explorer coverage than their less cautious counterparts.
  • Service Members Pay Less – Having a family member in the military could qualify you for better prices.
  • Use Seat Belts – Requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
  • Save with More Vehicles Insured – Having primary and secondary vehicles with the same company can get a discount on all vehicles.
  • No Charge for an Accident – This one isn’t a discount, but some insurance companies allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.

Don’t be shocked that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies and some of their more popular discounts are included below.

  • Esurance includes discounts for claim free, Pac-12 alumni, anti-theft, DriveSense, anti-lock brakes, and paid-in-full.
  • The Hartford has discounts for defensive driver, air bag, bundle, good student, driver training, anti-theft, and vehicle fuel type.
  • AAA may include discounts for anti-theft, education and occupation, multi-car, pay-in-full, and good driver.
  • GEICO offers discounts including membership and employees, federal employee, five-year accident-free, good student, military active duty, and daytime running lights.
  • State Farm policyholders can earn discounts including student away at school, good student, anti-theft, accident-free, safe vehicle, defensive driving training, and multiple autos.

If you need low cost insurance coverage quotes, ask each company which discounts they offer. Savings might not be offered on policies everywhere. For a list of companies that can offer you the previously mentioned discounts, click here to view.

Compare free insurance coverage quotes

Effectively comparing insurance coverage prices can take hours if you don’t utilize the most efficient way to do it. You could waste a few hours talking to insurance agencies in your area, or you could use online quoting for quick rates.

Most car insurance companies take part in a program that allows shoppers to enter their policy data once, and at least one company can give them a price based on the submitted data. This prevents consumers from doing form submissions to each company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to doing it this way is you are unable to specify which companies to receive prices from. If you prefer to choose from a list of companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but be sure to compare identical deductibles and coverage limits on every quote. If you use different limits and deductibles on each one it will be impossible to truly determine the lowest rate.

How much auto insurance do I need?

When buying the right insurance coverage, there really is no perfect coverage plan. Each situation is unique.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • Am I missing any policy discounts?
  • Is my state a no-fault state?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an 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.

Specific coverage details

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses like rehabilitation expenses, dental work, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2009 Ford Explorer.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, hitting a bird and falling objects. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Feed the piggy bank

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. There are many occasions where someone sacrificed liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

People switch companies for a number of reasons such as policy non-renewal, lack of trust in their agent, denial of a claim or questionable increases in premium. It doesn’t matter why you want to switch finding a new car insurance company is pretty simple and you could end up saving a buck or two.

You just read many ideas to compare 2009 Ford Explorer insurance prices online. The most important thing to understand is the more you quote insurance coverage, the better chance you’ll have of finding low cost insurance coverage. You may even discover the lowest priced car insurance comes from a small local company.

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