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Ford Explorer Sport Trac Insurance Quotes

Finding cheaper auto insurance by comparing rates online is easy and there is a good chance you will probably save money. The key is to get as many rate quotes as possible in order to accurately compare every possible rate.

Consumers who are new to the process of shopping for insurance may think finding cheap Explorer Sport Trac insurance is going to be difficult. Reducing your Explorer Sport Trac insurance cost can be quick and easy. All that's required is to spend a few minutes on the computer comparing rates from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Insurance rates for a Ford Explorer Sport Trac can fluctuate considerably based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating impacts rates
  • The size of your community
  • How many miles you drive
  • Men typically pay more than women
  • The deductible you choose
  • Safety rating of your Explorer Sport Trac
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

One last important factor which can affect the rate you pay on your Ford is the year of manufacture. Models that are new have a higher actual cash value so repair costs are higher which may result in higher rates. But more recent Ford vehicles may have options including a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors which may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance

Liability insurance will cover damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage protection

This will pay to fix damage to your Ford caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. Explorer Sport Trac collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.

How Much are Ford Explorer Sport Trac Insurance Rates?