Save on 1993 Ford Explorer Insurance Quotes

Comparison shopping for car insurance is always difficult for beginners to comparison shopping online. There are so many choices that it can turn into a real hassle to locate the lowest price.

Factors that can influence Ford Explorer insurance rates

It’s important that you understand the rating factors that go into determining the price you pay for insurance coverage. Having a good understanding of what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

Listed below are some of the items insurance coverage companies consider when setting premiums.

  • Big city or small town – Residing in a small town is a positive aspect when buying insurance coverage. Lower population means reduced accidents and a lower car theft rate. City drivers tend to have more traffic problems and a longer drive to work. Longer commute distances can result in more accidents.
  • A clean driving record saves money – Even a single ticket can increase rates forty percent or more. Good drivers have lower premiums than bad drivers. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.
  • High credit ratings translate to low rates – Your credit rating is a important factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. If your credit can use some improvement, you could be paying less to insure your 1993 Ford Explorer by improving your credit score.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Men and women cause accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high insurance coverage rates.
  • Don’t sacrifice liability coverage – Liability insurance will protect you if a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Having a spouse can save you money – Getting married actually saves money when buying insurance coverage. Marriage usually means you are more mature it has been statistically shown that married drivers get in fewer accidents.

Lower rates by qualifying for discounts

Auto insurance companies don’t always advertise every available discount very clearly, so we researched some of the more common as well as the least known savings tricks you should be using.

  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Explorer insurance depending on your company.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Explorer insurance than their less cautious counterparts.
  • No Accidents – Good drivers with no accidents pay less compared to drivers who are more careless.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts might not be offered everywhere.

Car insurance is unique, just like you

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions might help in determining if your insurance needs might need an agent’s assistance.

  • Should I rate my 1993 Ford Explorer as pleasure use or commute?
  • What is the minimum liability in my state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my cargo covered for damage or theft?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Information about specific coverages

Learning about specific coverages of car insurance can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, hitting a bird and damage from flooding. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage will pay to fix damage to your Explorer from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Auto liability insurance

This can cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses for X-ray expenses, rehabilitation expenses, funeral costs and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

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.

Have money to burn

Throughout this article, we presented many tips how you can lower your 1993 Ford Explorer insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a smaller regional carrier.

Drivers switch companies for many reasons like questionable increases in premium, poor customer service, delays in paying claims and an unsatisfactory settlement offer. No matter why you want to switch, switching companies is not as difficult as it may seem.

Affordable insurance can be sourced online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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