Compare 2010 Ford Explorer Insurance Rates

Wish you could get a refund on an overpriced auto insurance policy? Don’t sweat it because many consumers feel financially strained by their auto insurance policy. There are many insurers to choose from, and even though it’s nice to have a selection, it can be more difficult to find the best rates.

You should take the time to compare prices before your policy renews because rates fluctuate regularly. Even if you got the lowest premium rates for Explorer insurance on your last policy other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to teach you the quickest way to find better rates and still maintain coverage.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to save some money using these techniques. Drivers just need to know the tricks to shop for car insurance on the web.

Shop car insurance online

Most companies such as State Farm and Allstate allow consumers to get insurance quotes directly from their websites. Obtaining pricing is pretty painless as you simply type in your coverage information into a form. After the form is submitted, their rating system will order information on your driving record and credit history and generates pricing information. Online price estimates simplifies rate comparisons, but having to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it is imperative to perform this step if you want to get a better rate.

A more efficient way to find lower prices utilizes a single form to get prices from several different companies. It’s a real time-saver, eliminates form submissions, and makes quoting online much simpler. As soon as the form is sent, it is rated with multiple companies and you can pick your choice of the returned quotes. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It just takes a couple of minutes and may result in a nice savings.

To quickly get comparison pricing now, click here to open in new window and submit the form. If you have a policy now, it’s recommended you complete the form with the coverages exactly as shown on your declarations page. This helps ensure you are getting a fair comparison using the same coverage and limits.

Do you qualify for discount insurance coverage?

Auto insurance companies don’t always list the entire discount list very well, so we took the time to find both well-publicized and the more hidden credits available to you.

Discount for Swiching Early – Some insurance coverage companies give discounts for buying a new policy prior to your current policy expiring. You could save around 10% when you buy car insurance online.
Discount for Passive Restraints – Vehicles equipped with air bags could see savings of 25 to 30%.
Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
Discount for Low Mileage – Low annual miles may allow you to get cheaper insurance coveragerates.
Homeowners Pay Less – Just owning your own home can save you money because owning a home is proof that your finances are in order.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that may offer quotes with these benefits may include but are not limited to:

Check with every prospective company which discounts they offer. Some credits might not be offered on policies in your area. To view providers that provide some of the discounts listed above, click this link.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

Should I buy additional glass protection?
When does my teenage driver need to be added to my policy?
Should I bundle my homeowners policy with my auto?
I have health insurance so do I need medical payments coverage?
Can I afford to buy a different vehicle if my 2010 Ford Explorer is totaled?
Do I need PIP (personal injury protection) coverage in my state?
Should I buy full coverage?
Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for 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 values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, emergency aid and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like funeral costs, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage and a tree branch falling on your vehicle. The maximum payout 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 not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Explorer.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

Collision coverage covers damage to your Explorer from colliding 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 like driving through your garage door, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.