Ford Explorer Insurance Quotes

You have lots of choices when trying to insure your Ford vehicle. You can either contact your neighborhood insurance agent or go online to compare pricing from companies. Shopping for auto insurance by quoting online can be fast and easy and at the same time you will probably save money.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of online auto insurance companies and websites competing for your business. Finding a lower price on Explorer insurance is a fairly straight forward process. You just have to take a little time comparing rates provided by online insurance companies. This is very easy and can be done by visiting this page.

Which factors influence car insurance premiums?

Insurance rates for your Ford Explorer can be significantly different depending on several factors. Taken into consideration are:

Higher performance Explorer vehicles cost more
How many accidents you have had
Whether you insure your home with the same company
Pleasure, commuting or business use can affect rates
Special coverage such as replacement cost
No claims lowers premiums
No coverage lapses saves money
Whether you rent or own your home

One last important factor that will help determine the rate you pay on your Ford is the year of manufacture. A newer vehicle have a higher replacement value so the cost to replace them may end up costing you more. Conversely, newer vehicles may have options such as traction control, active head restraints, a backup camera, and an advanced theft deterrent system that may help provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your Explorer from available model years below.

Liability coverages

This coverage can cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage

Collision coverage covers damage to your Ford resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.

How Much are Ford Explorer Insurance Rates?