Compare 2011 Ford Explorer Insurance Cost

Looking for cheaper insurance coverage rates for your Ford Explorer? Beginners to price shopping insurance online could find shopping for the lowest-priced insurance coverage is not as easy as it seems.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Finding the best protection is simple if you know the tricks. But vehicle owners need to have an understanding of the way companies compete online.

Low Cost Car Insurance

Performing a rate comparison can be a daunting task if you don’t understand the best way to get rate quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use online quotes to get prices fast.

Most major companies belong to an insurance system where prospective buyers only type in their quote data once, and each participating company then gives them pricing. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To find out what other companies charge for 2011 Ford Explorer insurance click here (opens in new window).

The one disadvantage to comparing rates this way is you can’t choose which insurance companies you want pricing from. If you prefer to choose specific providers for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits and deductibles for every company. If you use different liability limits it will be impossible to determine the best price for your Ford Explorer. Having just a slight variation in insurance coverages can result in a big premium difference. Just remember that obtaining a wide range of quotes helps locate lower pricing.

You probably qualify for some discounts

Companies don’t always list every discount very well, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Club Memberships – Belonging to a qualifying organization may earn a discount on car insurance on Explorer coverage.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Good Student Discount – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck.

Companies who might offer some of the above discounts include:

Check with every prospective company which discounts they offer. Some discounts may not apply in your area.

There’s no such thing as the perfect policy

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions might point out whether you would benefit from an agent’s advice.

  • What is an SR-22 filing?
  • Do I need medical payments coverage since I have good health insurance?
  • Does insurance cover damages from a DUI accident?
  • Should I put collision coverage on all my vehicles?
  • Does my insurance cover my expensive audio equipment?
  • Is my 2011 Ford Explorer covered for flood damage?
  • Does my 2011 Ford Explorer need full coverage?
  • Am I covered when delivering products for my home-based business?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Detailed coverages of your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, a broken windshield and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability – Liability coverage protects you from damage or injury you incur to other people or property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, emergency aid, loss of income, structural damage and medical services. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills such as nursing services, prosthetic devices, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverages – This coverage will pay to fix damage to your Explorer caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2011 Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.