Lower Your 2002 Ford Explorer Sport Insurance Rates

Looking for the cheapest car insurance rates for your Ford Explorer Sport? Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other drivers.

Drivers have so many auto insurance companies to choose from, and although it’s nice to have a selection, having more insurance companies makes it harder to find the best rates for your vehicles.

Quick Insurance Quotes

To find the best insurance prices, there are several ways of comparing price quotes from different insurance companies. The simplest method to find the lowest 2002 Ford Explorer Sport rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• The most efficient way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This easy form saves time by eliminating separate quote forms for each company you want a rate for. A single, simple form gets rate comparisons from insurance companies with the best prices.
• A less efficient way to get comparison quotes requires a visit to each company’s website and fill out their own quote form. For examples sake, let’s say you want comparison quotes from USAA, Progressive and Allstate. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method.

  To view a list of companies in your area, click here.

However you get your quotes, ensure you’re using identical coverages and limits for every company. If you have unequal deductibles or liability limits it will be impossible to determine which rate is truly the best. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, comparing a large number of companies provides better odds of finding lower pricing.

Which insurance is the “right” coverage?

When choosing the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out if your situation may require specific advice.

• What is the ISO rating for a 2002 Ford Explorer Sport?
• Is a new car covered when I drive it off the dealer lot?
• Do I have coverage for damage caused while driving under the influence?
• Can I afford low physical damage deductibles?
• Does my policy pay for OEM or aftermarket parts?
• Do I have coverage when using my vehicle for my home business?
• How do I insure my teen driver?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Coverage specifics

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, falling objects and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover 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. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses and medical services. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

UM/UIM Coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision coverage covers damage to your Explorer Sport resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for nursing services, prosthetic devices, chiropractic care, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay