1997 Ford Explorer Insurance Quotes

Have you fallen victim to an overpriced insurance coverage policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Because there are so many choices, it is very difficult to locate the most affordable provider.

Smart consumers take time to take a look at other company’s rates every six months because insurance rates change quite often. Even if you think you had the best deal on Explorer coverage a year ago there is a good chance you can find better rates now. So just ignore everything you know about insurance coverage because you’re going to get a crash course in the fastest and easiest way to find better rates and still maintain coverage.

Take discounts and save

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Most are applied at the time of quoting, but less common discounts must be asked about prior to receiving the credit. If you aren’t receiving every discount possible, you are paying more than you should be.

  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

Drivers should understand that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

Car insurance companies that possibly offer these money-saving discounts include:

Double check with each company how you can save money. Discounts might not be offered in every state.

Automobile Insurance Quotes

Performing a rate comparison can be a lot of work if you don’t utilize the best way to get rate quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could use the web to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and at least one company then gives them pricing based on that information. This saves time by eliminating form submissions for every auto insurance company.

To find out how much you can save on auto insurance click here to open in new window.

One minor caviat to pricing coverage this way is you can’t choose which companies you will receive quotes from. So if you want to choose specific insurance companies to compare, we put together a list of auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage information for every quote you compare. If the quotes have different deductibles it will be impossible to determine the best price for your Ford Explorer.

Why you might be paying too much to insure your Ford Explorer

It’s important that you understand the different types of things that help determine the price you pay for insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with better insurance rates.

  • Lower miles equals lower premium – Driving more miles in a year the higher your rates will be. Most companies rate vehicles based on their usage. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Explorer can cost quite a bit. Make sure your insurance coverage is rated on the proper vehicle usage.
  • Marriage pays dividends – Having a spouse can get you a discount on your policy. It translates into being more mature and it’s statistically proven that being married results in fewer claims.
  • Never allow your policy to lapse – Not having insurance is against the law and as a result your rates will increase for letting your insurance expire. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • You might want pay the small claims yourself – Companies give cheaper rates to drivers who are claim-free. If you frequently file small claims, you can expect higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
  • Equipment add-ons that lower insurance rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Where you live is a factor – Being located in less populated areas has it’s advantages when talking about insurance. City drivers regularly have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
  • Add-on coverages can add up – There are many extra coverages that you can buy when buying insurance. Things like personal injury protection, towing coverage and motor club memberships are some examples. These may sound like a good investment when talking to your agent, but if you don’t need them remove them from your policy.
  • Discounts for multiple policies – Some insurance companies give discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to shop around to ensure the best deal. Drivers may still find better rates by splitting coverages up.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if you could use an agent’s help.

  • Is my custom paint covered by insurance?
  • What is the difference between comprehensive and collision coverage?
  • Should I rate my 1997 Ford Explorer as pleasure use or commute?
  • How do I file an SR-22 for a DUI in my state?
  • Am I better off with higher deductibles on my 1997 Ford Explorer?
  • When should I not file a claim?
  • What is UM/UIM insurance?
  • Should I buy additional glass protection?
  • What if I owe more than I can insure my car for?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions, you may need to chat with 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’s fast, free and can help protect your family.

Specific coverages for a Ford Explorer

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on the average car insurance policy.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like surgery, pain medications, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This coverage covers damage to your Explorer resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, crashing into a building, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage protects you from injuries or damage you cause to a person or their property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles, medical services and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Final thoughts

Affordable 1997 Ford Explorer insurance is definitely available online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just presented many tips how you can reduce insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the most savings is with some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and Geico.

Additional information is available on the following sites: