2010 Ford Explorer Insurance Quotes – 6 Savings Tips

Want lower auto insurance rates for your Ford Explorer? Are you intimidated by the number of auto insurance options? You’re not the only one! Consumers have so many choices that it can easily become a big hassle to find the best price.

How to Compare Insurance Quotes

There are several ways to compare Ford Explorer insurance prices and some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use the web to achieve your goal.

Most major companies enroll in a system where insurance shoppers submit their information once, and each company can provide price quotes determined by their information. This saves time by eliminating form submissions to each individual insurance company.

To use this form to compare 2010 Ford Explorer insurance rates click here to start a free quote.

The one downside to using this type of system is that you can’t choose the companies you want pricing from. So if you prefer to pick from a list of companies to receive pricing from, we have a page of companies who write insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverages and limits on every quote you get. If your comparisons have differing limits it will be impossible to determine which rate is truly the best. Slightly different coverages can make a big difference in price. Keep in mind that having more price comparisons helps locate a better price.

How to save on 2010 Ford Explorer insurance

Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time of purchase, but some may not be applied and must be manually applied in order for you to get them.

  • No Accidents – Claim-free drivers can earn big discounts compared to bad drivers.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Explorer insurance depending on your company.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Homeowners Savings – Simply owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.

Keep in mind that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

To see a list of providers with the best car insurance discounts, click here.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions might point out if your situation would benefit from professional advice.

  • I have a DUI can I still get coverage?
  • What companies insure drivers after a DUI or DWI?
  • How many claims can I have before being cancelled?
  • How do I buy GAP insurance?
  • What if I don’t agree with a claim settlement offer?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance specifics

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses like doctor visits, dental work, nursing services, pain medications and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays for damage to your Explorer resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for liability

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like structural damage, court costs, emergency aid and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, damage from getting keyed, hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.