Lower Your 2010 Ford Explorer Sport Trac Car Insurance Cost

Looking for cheaper auto insurance rates for your Ford Explorer Sport Trac? No sane person likes having to buy auto insurance, especially knowing they are paying too much. Online insurance companies like State Farm, GEICO and Farmers Insurance increase brand awareness with ads and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It is always a good idea to compare rates quite often since insurance prices are variable and change quite frequently. Just because you found the best rates on Explorer Sport Trac insurance a year ago the chances are good that you can find a lower premium rate today. You can search a lot of auto insurance on the internet, but in a few minutes you can learn some great ideas on how to slash your auto insurance rates.

If you have a current insurance policy or are shopping for new coverage, you can use these techniques to cut your premiums and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to learn the proper methods to buy insurance over the internet.

Finding insurance

Most larger insurance companies like Progressive, GEICO, Allstate and State Farm make it easy to get prices from their websites. Doing online price comparisons doesn’t take much effort as all you need to do is type in your required coverages into a form. After you submit the form the quote system sends out for credit information and your driving record and returns a price based on these and other factors. Online quotes simplifies rate comparisons, but the work required to visit many different websites and type in the same data is repetitive and time-consuming. But it’s very important to have as many quotes as possible in order to get the lowest price.

A less time-consuming method to lower your insurance bill uses one form that obtains quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. Immediately after you send the form, it is rated and you can choose any one of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

In order to fill out one form to compare multiple rates now, click here and fill out the form. If you currently have coverage, we recommend you input your coverages identical to your current policy. This makes sure you will get rate quotes based on the exact same insurance coverage.

Use discounts to get cheaper auto insurance quotes

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Certain reductions will be credited when you get a quote, but a few must be asked about prior to getting the savings. If you don’t get every credit you deserve, you could be saving more on your auto insurance.

  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small discount on rates on Explorer Sport Trac insurance.
  • Club Memberships – Having an affiliation with a civic or occupational organization can get you a small discount on your next renewal.
  • Government Employees – Having worked for a branch of the government can earn a discount up to 10% on Explorer Sport Trac insurance with some auto insurance companies.
  • Student in College – College-age children who live away from home to go to college without a vehicle on campus could qualify for this discount.
  • Discount for Swiching Early – A few companies allow discounts for renewing your policy early. It can save you around 10%.
  • Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
  • Online Discount – Certain auto insurance companies will give a small break for buying a policy and signing up on your computer.
  • Onboard Data Collection – Policyholders that allow companies to spy on vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.

It’s important to understand that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

Some of the insurance companies who might offer these money-saving discounts are:

When getting a coverage quote, ask every insurance company how you can save money. Depending on the company, some discounts might not apply in your area. For a list of insurers that offer the discounts shown above, follow this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine whether your personal situation may require specific advice.

  • How many claims can I have before being cancelled?
  • Are split liability limits better than a combined single limit?
  • What discounts do I qualify for?
  • How much liability coverage do I need in my state?
  • Does coverage extend to my business vehicle?
  • Am I covered when driving a rental car?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Insurance prices are influenced by these factors

Many factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but other factors are not quite as obvious such as your marital status or how safe your car is.

  • Drive fewer miles and save – The higher the mileage driven in a year the higher the price you pay to insure it. Most companies calculate rates based upon how you use the vehicle. Cars and trucks that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. It’s a smart idea to ensure your insurance coverage declarations sheet is showing the correct usage, because improper ratings can cost you money. Having the wrong rating on your Explorer Sport Trac is just wasting money.
  • Higher premiums for insurance coverage policy lapses – Driving without insurance can get you a ticket and any future policy may cost more because you let your insurance expire. And not only will your rates increase, not being able to provide proof of insurance can result in a license revocation or jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Do safer cars cost less to insure? – Vehicles with good safety scores cost less to insure. Vehicles built for safety reduce the chance of injuries and lower injury rates means less claims paid and lower rates for you. If your Ford Explorer Sport Trac has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Pay lower rates after the wedding – Your spouse may save some money when shopping for insurance coverage. Having a significant other translates into being more responsible and it’s proven that married drivers tend to file fewer claims.
  • Do you have enough liability insurance? – The liability section of your policy is the coverage that protects you if you are found liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap compared to comp and collision, so drivers should carry high limits.

Insurance coverage companies are expert advertisers

Consumers can’t escape the ads that claim the cheapest car insurance rates by companies like Progressive, GEICO, Allstate and State Farm. All the ads convey the message that drivers will save a bundle if you change your coverage.

Is it even possible that every company can offer you a better deal? It’s all in the numbers.

All the different companies have an ideal profile for the driver that will generate a profit. A good example of a profitable risk profile might be a married female, has no driving citations, and drives less than 5,000 miles a year. A driver who matches those parameters will get a cheap rate quote and will probably save when switching.

Potential insureds who don’t qualify for this ideal profile will see higher prices which leads to the prospect going elsewhere. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save the amount stated. This is how companies can truthfully advertise the way they do. Each company has different criteria, so drivers should get insurance quotes as often as possible. It’s just too difficult to predict with any certainty which company will have better premium rates than you’re paying now.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your 2010 Ford Explorer Sport Trac.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like rehabilitation expenses, funeral costs, X-ray expenses and pain medications. They can be 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 as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, theft and hitting a bird. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

This coverage can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

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 policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as medical expenses, emergency aid, structural damage, funeral expenses and medical services. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision coverage

This covers damage to your Explorer Sport Trac resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Don’t throw your cash in the trash

Cost effective 2010 Ford Explorer Sport Trac insurance is possible from both online companies as well as from insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not have price quotes online and these small, regional companies prefer to sell through independent insurance agents.

We just presented a lot of techniques to save on 2010 Ford Explorer Sport Trac insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting the cheapest insurance. You may even discover the best prices are with a small local company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

Even more information can be read by following these links: