View 1991 Ford Explorer Insurance Quotes

Tired of being strong-armed to buy car insurance? You are no different than many other drivers. Companies like Geico, 21st Century and Progressive all promote huge savings with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Smart consumers take time to get comparison quotes at least once a year because insurance rates are variable and change quite frequently. Just because you found the best deal for Explorer coverage two years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the web, but I’m going to show you a bunch of ideas how to slash your car insurance rates.

Pay less by taking advantage of discounts

Insurance can be prohibitively expensive, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be requested specifically before you get the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Senior Citizens – Older drivers may qualify for a discount up to 10% for Explorer coverage.
  • Resident Student – Youth drivers living away from home attending college and do not have a car may qualify for this discount.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Explorer coverage with a few auto insurance companies.
  • Auto/Life Discount – Some companies give better rates if you take out life insurance.
  • Drive Less and Save – Fewer annual miles on your Ford can earn a substantially lower rate.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will help reduce your premiums.

To see a list of insurance companies with discount auto insurance rates, click here.

How to Get Cheap Auto Insurance

All the larger auto insurance companies give prices for coverage directly from their websites. The process is fairly simple as you just enter your required coverages into a form. Once you submit the form, the company’s rating system orders information on your driving record and credit history and provides a quote based on these and other factors. Online price quotes streamlines rate comparisons, but the time required to go to different websites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible if you want to find a lower rate.

Compare rates the easy way

The smarter way to compare auto insurance pricing utilizes a single form that analyzes rates from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes quoting online much easier. Once the form is submitted, it is rated and you can choose any or none of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process just takes a couple of minutes and could lower your rates considerably.

To compare rates using this form now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you type in the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will have rate quotes based on the exact same insurance coverage.

Ford Explorer rates are complex

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance coverage. Understanding what controls the rates you pay enables informed choices that will entitle you to big savings.

  • Your stress level may be raising your rates – Jobs such as real estate brokers, architects and financial analysts are shown to have higher average rates attributed to high stress levels and long work days. Conversely, professions such as scientists, engineers and retirees pay the least for Explorer coverage.
  • A clean driving record saves money – Careful drivers have lower premiums compared to drivers with tickets. Only having one speeding ticket can boost insurance rates by as much as thirty percent. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Safer cars are cheaper to insure – Safer cars are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and thus lower rates. If the Ford Explorer is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Liability insurance protects assets – Liability coverage is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Do you qualify for a multi-policy discount? – Many insurance coverage companies give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal.
  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Women and men cause accidents in similar percentages, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.
  • The more you drive the more you pay – The more miles you rack up on your Ford every year the higher your rate. Most companies price each vehicle’s coverage based on their usage. Autos that are left in the garage qualify for better rates compared to those used for work or business. Verify your insurance coverage policy is rated on how each vehicle is driven. If your policy improperly rates your Explorer may be wasting your money.
  • Where you live – Choosing to live in small towns and rural areas is a positive aspect when talking about insurance coverage. Drivers who live in large cities have more traffic problems and a longer drive to work. Fewer drivers means fewer accidents.

Your coverage should be tailored to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Why am I required to buy liability insurance?
  • Do I need special endorsements for business use of my vehicle?
  • What is no-fault insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • If I drive on a suspended license am I covered?
  • Is my 1991 Ford Explorer covered for flood damage?
  • How many claims can I have before being cancelled?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I buy only the required minimum liability coverage?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking 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 only takes a few minutes and you can get the answers you need.

Do drivers who switch really save?

Consumers constantly see and hear ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. They all seem to have a common claim that you’ll save big if you switch your coverage to them.

How can each company make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of driver that is profitable for them. A good example of a preferred risk might be over the age of 40, has no tickets, and drives newer vehicles. A driver who fits that profile receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t qualify for the “perfect” profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that much. This is how companies can make the claims of big savings.

This emphasizes why it’s extremely important to get quotes from several different companies. It’s impossible to know which insurance companies will provide you with the cheapest Ford Explorer insurance rates.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Explorer.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, damage from getting keyed, vandalism, hitting a deer and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for dental work, prosthetic devices, rehabilitation expenses and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – Liability coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. 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. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical expenses, funeral expenses, bail bonds, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb, backing into a parked car and crashing into a ditch. 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. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

And the best car insurance company is…

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your goal should be to buy enough coverage at the best price.

In this article, we covered a lot of information how to get a better price on 1991 Ford Explorer insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from a small local company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Geico and State Farm.

Even more information can be found at these sites: