2011 Ford Explorer Insurance Quotes

Looking for the cheapest auto insurance rates for your Ford Explorer? Are you at wits end from scraping the payment together to buy auto insurance? Your situation is no different than millions of other people. People have many car insurance companies to choose from, and though it is a good thing to have a selection, it makes it harder to find the best rates.

This information will teach you the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Vehicle owners just need to learn the most effective way to compare prices over the internet.

Car insurance policy discounts you can’t miss

Car insurance is not cheap, but there may be some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but some need to be manually applied in order for you to get them.

  • Auto/Home Discount – If you insure your home and vehicles with one insurance company they may give you a discount of at least 10% off all policies.
  • Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Defensive Driver Discount – Taking time to complete a driver safety class could save 5% or more if your company offers it.
  • Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Onboard Data Collection – Insureds who allow driving data collection to monitor vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.
  • Claim-Free Discount – Insureds with no claims or accidents can earn big discounts when compared to policyholders that have many claims.
  • Low Miles Discount – Maintaining low annual mileage could be rewarded with better premium rates on cars that stay parked.
  • E-sign – A few insurance companies provide a small discount for buying your policy digitally online.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride.

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

If you want affordable insurance coverage quotes, ask each company to apply every possible discount. Depending on the company, some discounts may not apply in every state. To see providers with discount car insurance rates, click here to view.

Informed consumers save on insurance

It’s important that you understand some of the elements that are used to determine your car insurance rates. When you understand what influences your rates, this enables informed choices that may result in lower car insurance prices.

The following are just a few of the factors that factor into your rates.

  • High physical damage deductibles cost less – The deductibles you choose define the amount you are required to spend if the claim is covered. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, hail damage, or theft of your vehicle. The more expense you pay before a claim is paid (deductible), the bigger discount you will receive on Explorer coverage.
  • Tickets and citations cost more than a fine – Careful drivers tend to pay less for car insurance as compared to careless drivers. Just one chargable violation may cause rates to rise by as much as twenty percent. Drivers who have gotten dangerous tickets like reckless driving or DUI may be required to file a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
  • Drive less and get lower rates – The more you drive annually the higher your rates will be. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Vehicles that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Having the wrong rating on your Explorer may be costing you higher rates. Make sure your declarations sheet properly reflects the right rating data, because improper ratings can cost you money.
  • Gender impacts costs – Over time, data shows females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Females and males cause auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Don’t cancel your car insurance policy without a new one in place – Driving without insurance coverage in place can get your license suspended and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
  • Having a spouse is a bonus – Getting married may cut your premiums on your car insurance policy. Marriage is viewed as being less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • High premiums for teenage drivers – Beginning drivers are statistically proven to be easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents , and are generally more financially stable.

Insurance agents can help

When it comes to choosing the best insurance coverage, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • How can I find cheaper teen driver insurance?
  • How much liability coverage do I need in my state?
  • What is the ISO rating for a 2011 Ford Explorer?
  • Am I covered if I crash into my own garage door?
  • If I drive on a suspended license am I covered?
  • What is no-fault insurance?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Coverage for liability – Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

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. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as emergency aid, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, theft and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, surgery, chiropractic care, nursing services and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2011 Ford Explorer.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

And the best car insurance company is…

Affordable 2011 Ford Explorer insurance can be sourced from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer rates over the internet and many times these smaller providers work with local independent agents.

You just read many tips how you can compare 2011 Ford Explorer insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the most savings is with some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

Much more information about auto insurance can be read at these links: