Save on 2013 Ford Explorer Insurance Quotes

Searching for cheaper insurance rates for your Ford Explorer? If you are new to getting auto insurance quotes online, you may be bewildered thanks to the huge assortment of online companies that all promise to save you money.

It’s a good idea to compare premium rates occasionally due to the fact that insurance prices change quite often. Even if you got the lowest rate for Explorer insurance a year ago you can probably find a better premium rate now. Don’t believe everything you read about insurance out there, but in a few minutes you can learn some good information on how to lower your insurance bill.

Finding more affordable car insurance is quite easy. Just about every driver who has to buy car insurance should be able to cut their insurance bill. Nevertheless, car owners do need to understand how the larger insurance companies determine prices.

Verify you’re earning every discount

Some insurance providers don’t always advertise every disount available very well, so we researched some of the more common and also the more inconspicuous credits available to bring down your rates. If you are not receiving all the discounts possible, you’re paying more than you need to.

  • E-sign Discounts – Many companies will discount your bill up to fifty bucks for buying your policy on the internet.
  • Passenger Safety Discount – Factory options such as air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • Early Renewal Discounts – A few larger companies give discounts for buying a new policy before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Discount for Life Insurance – Larger companies have a small discount if you purchase a life insurance policy as well.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Explorer insurance but check with your company.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle on the same car insurance policy can get a discount on all vehicles.

Just know that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount should definitely cut your policy premiums.

Auto insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask each company to give you their best rates. Depending on the company, some discounts may not apply to policies in every state. To view providers with discount rates, click here.

How insurance providers determine Ford Explorer insurance costs

Lots of things are part of the equation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although others are more transparent such as your credit history and annual miles driven.An important part of buying insurance is that you know the rating factors that play a part in calculating your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower auto insurance prices.

The list below includes some of the most common factors auto insurance companies consider when setting your rates.

  • Lower prices with alarms and GPS tracking – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.
  • Decrease auto insurance rates by maintaining coverage – Having an insurance coverage lapse will be a sure-fire way to increase your auto insurance rates. Not only will rates go up, being ticketed for driving with no insurance may result in a revoked license or a big fine.
  • If you don’t need it don’t buy it – Insurance companies have many extra coverages that you can get tricked into buying if you aren’t careful. Coverage for things like replacement cost coverage, accident forgiveness, and motor club memberships are probably not needed. They may seem good when you first buy your policy, but if they’re wasting money think about removing them and cutting costs.
  • Raising deductibles saves money – Physical damage deductibles are how much you are willing to pay before your auto insurance pays a claim. Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims could be colliding with a stationary object, collision with a deer, and damage from wind. The higher the amount you choose to pay out-of-pocket, the lower your rates will be for Explorer insurance.
  • Pay less if you’re married – Being married can actually save you money on your auto insurance bill. It demonstrates that you tend to be less irresponsible and it’s proven that married drivers get in fewer accidents.
  • Discounts for auto and home policies – Some insurers will award a discount to clients who consolidate policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, you may still want to check prices from other companies to ensure the best deal.
  • Use credit responsibly and save – Having a good credit rating is likely to be a major factor in determining what you pay for auto insurance. If your credit history is lower than you’d like, you could save money insuring your 2013 Ford Explorer if you clean up your credit. People with high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Lower rates come with age – Older people are more responsible, are lower risk to insure and tend to be get fewer driving tickets.Youthful drivers have a tendency to be more careless when driving therefore auto insurance rates are much higher.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

These are some specific questions can help discover if your situation would benefit from professional advice.

  • What is roadside assistance coverage?
  • When should I remove comp and collision on my 2013 Ford Explorer?
  • Does medical payments coverage apply to all occupants?
  • When should my teen driver be added to my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • When should I not file a claim?
  • Do I have coverage for damage caused while driving under the influence?

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 lower rates from a local agent, take a second and complete this form.

Insurance coverage specifics

Knowing the specifics of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, hitting a deer, hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses such as nursing services, pain medications, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy 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 is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision coverage pays for damage to your Explorer from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability insurance – This provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as legal defense fees, medical services, bail bonds, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2013 Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Buy online or local, you save

Some insurance companies may not offer rates over the internet and many times these smaller companies only sell through independent agencies. Low-cost 2013 Ford Explorer insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection.

Consumers who switch companies do it for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, poor customer service or extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right insurance coverage provider can be easy and end up saving you some money.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There have been many situations where an insured cut collision coverage only to discover later that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

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