2009 Ford Explorer Car Insurance Rates – 10 Policy Discounts

Purchasing the lowest cost insurance online can seem to be rather challenging for beginners to online price comaprisons. With such a large number of choices, how can drivers effectively compare them all to find the best pricing?

You should make it a habit to take a look at other company’s rates yearly because insurance rates change quite often. Even if you got the best deal for Explorer coverage a year ago you may be paying too much now. Ignore everything you know about insurance because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Shopping for more affordable coverage is simple if you know the tricks. Although drivers must learn how companies compete online and use this information to your advantage.

Vehicle Insurance Comparison

Shopping for lower car insurance rates can be a daunting task if you don’t know the easiest way. You could waste a few hours discussing policy coverages with agents in your area, or you can stay home and use online quotes to get the quickest rates.

Many popular insurance companies belong to a marketplace that enables customers to send in one quote, and at least one company provides a quote based on that information. This eliminates the need for repetitive form submissions for each company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to doing it this way is that consumers can’t choose the insurers you want pricing from. If you wish to select specific providers to compare prices, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages on every quote you get. If you use differing limits you can’t possibly determine the best price for your Ford Explorer. Quoting even small variations in coverage limits can make a big difference in price. Just remember that obtaining a wide range of quotes will improve the odds of getting the best rates.

Don’t miss these ten discounts

Companies don’t always advertise every available discount in a way that’s easy to find, so we researched both the well known and the more hidden savings tricks you should be using.

  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to bad drivers.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Explorer coverage with certain companies.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Drive Less and Save – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break when shopping for auto insurance for Explorer coverage.
  • Discount for Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.

Keep in mind that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you’re out of luck.

For a list of companies offering auto insurance discounts, click here.

When might I need help?

When buying adequate coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might point out if your situation may require specific advice.

  • Am I covered if my car is in a flood?
  • Do I need higher collision deductibles?
  • Should I buy full coverage?
  • What can I do if my company won’t pay a claim?
  • Am I covered by my spouse’s policy after a separation?
  • Does car insurance cover theft of personal property?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Parts of your insurance policy

Having a good grasp of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision – Collision coverage pays for damage to your Explorer from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses for ambulance fees, prosthetic devices and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, hitting a bird, theft and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages – Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as repair bills for other people’s vehicles, medical services, funeral expenses and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Quote often and quote early

Consumers who switch companies do it for many reasons like questionable increases in premium, delays in responding to claim requests, policy non-renewal or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

You just read a lot of tips how to lower your 2009 Ford Explorer insurance rates. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with the smaller companies.

When shopping online for insurance coverage, make sure you don’t reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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