Cheaper 2003 Ford Explorer Sport Trac Car Insurance Quotes

Want lower insurance rates for your Ford Explorer Sport Trac? Are you intimidated by the crazy number of insurance choices? You’re not the only one! You have so many companies to choose from that it can be more work than you anticipated to locate the lowest price.

The fastest way that we advise to compare rates utilizes the fact car insurance companies pay for the opportunity to give free rates quotes. To start a quote, the only thing you need to do is provide information like whether your vehicle is owned or leased, what you do for a living, level of coverage desired, and if a SR-22 is needed. Your insurance information is instantly provided to insurance companies and you receive quotes instantly.

Ford Explorer Sport Trac insurance rates have many determining factors

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Don’t let your coverage lapse – Not having insurance is illegal and car insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance will get you a revoked license or a big fine.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Multi-policy discounts can save money – The majority of car insurance companies provide better rates to customers who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to make sure you are getting the best deal.
  • Traffic citations inflate rates – Careful drivers tend to pay less for car insurance than their less careful counterparts. Even a single ticket can boost insurance rates twenty percent or more. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • An active claims history can cost you – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Companies give cheaper rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of larger claims.
  • Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.

Pay less for Ford Explorer Sport Trac insurance

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you get a quote, but a few must be inquired about in order for you to get them.

  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Save over 55 – Mature drivers may qualify for a small decrease in premiums on Explorer Sport Trac coverage.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
  • Club Memberships – Affiliation with certain professional organizations may earn a discount on insurance on Explorer Sport Trac coverage.
  • Safety Course Discount – Completing a defensive driving course could save 5% or more if your company offers it.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free insurance policy, insurance companies aren’t that generous. But all discounts will help reduce your premiums.

Car insurance companies that may offer these discounts include:

Check with every prospective company which discounts they offer. All car insurance discounts might not apply everywhere.

Tailor your coverage to you

When buying coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Does liability extend to a camper or trailer?
  • Should I buy more coverage than the required minimum liability coverage?
  • How high should my medical payments coverage be?
  • Do I need motorclub coverage?
  • Can I still get insurance after a DUI?
  • Is my trailer covered?
  • Should I have combined single limit or split liability limits?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form.

Auto insurance coverage information

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive (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 then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, falling objects and hitting a bird. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for doctor visits, funeral costs, surgery, ambulance fees and prosthetic devices. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include 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 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. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability

Liability insurance will cover injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, driving through your garage door, crashing into a building, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Don’t be a big spender

Lower-priced 2003 Ford Explorer Sport Trac insurance can be purchased from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We just showed you a lot of techniques to save on insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with a small local company.

Drivers change insurance companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, delays in responding to claim requests or poor customer service. It doesn’t matter what your reason, choosing a new company is less work than it seems.

More detailed insurance information can be found at these sites: