1999 Ford Explorer Insurance Cost – 5 Tips to Save

Perplexed by the wide range of insurance coverage companies? You have a lot of company. People have so many companies to choose from that it can quickly become a real challenge to find better rates.

You need to price shop coverage quite often because prices change regularly. Just because you had the best price for Explorer insurance two years ago you will most likely find a better rate today. There is a lot of bad information regarding insurance coverage online but with this article, you’re going to get some great ideas on how to find affordable insurance coverage.

These five discounts can slash insurance rates

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but a few need to be asked about before being credited.

  • Club Memberships – Affiliation with certain professional organizations may earn a discount on insurance for Explorer insurance.
  • No Charge for an Accident – A few companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Defensive Driver – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.

Drivers should understand that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.

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

The most recommended method to compare car insurance company rates is to know auto insurance companies allow for online access to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information like if the vehicle is leased, if you are currently licensed, driver details, and an estimate of your credit level. The data is submitted instantly to multiple car insurance providers and they respond with quotes within a short period of time.

To compare rates now, click here and find out if you can get cheaper insurance.

When might I need the advice of an agent?

When choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Can I afford to pay high deductible claims out of pocket?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy full coverage?
  • When do I need to add a new car to my policy?
  • Does my 1999 Ford Explorer qualify for pleasure use?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need an umbrella policy?
  • Does my insurance cover a custom paint job?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage information

Having a good grasp of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Explorer.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from getting keyed, damage from flooding, hitting a deer and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays for damage to your Explorer resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills such as hospital visits, doctor visits, surgery and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability

This coverage protects you from damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, loss of income, repair costs for stationary objects, pain and suffering and structural damage. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Take this to the bank

We just showed you a lot of ways to get a better price on 1999 Ford Explorer insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with a small mutual company.

Drivers switch companies for a number of reasons such as high rates after DUI convictions, policy cancellation, denial of a claim and unfair underwriting practices. It doesn’t matter why you want to switch finding a new company can be less work than you think.

Discount insurance is possible both online as well as from independent agentsinsurance , and you should be comparing both to have the best rate selection. A few companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

To read more, feel free to browse the following helpful articles: