2013 Ford Explorer Car Insurance Cost

Trying to find the cheapest auto insurance rates for your Ford Explorer? Searching for the cheapest insurance for a new or used Ford Explorer can be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to price shop coverage for a Ford and locate the lowest possible price either online or from local insurance agents.

Insurance Coverage Quote Comparison

Comparing insurance coverage rates is a ton of work if you aren’t aware of the most efficient way. You can waste hours talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each company then returns a price quote for coverage. This saves time by eliminating quote requests to each individual insurance coverage company.

To find out how much you can save on insurance coverage click to open in new window.

The single downside to using this type of form is that you can’t choose which insurance companies to get pricing from. So if you want to select individual companies to compare prices, we have a listing of insurance coverage companies in your area. Click to view list.

Whichever way you use, ensure you’re using exactly the same quote information on every quote you get. If you are comparing different deductibles it will be next to impossible to make a fair comparison for your Ford Explorer.

Save $425 a year? Really?

Consumers can’t get away from ads that promise big savings by companies like State Farm, Geico and Progressive. All the ads make an identical promise that you can save after switching to them.

But how can every company claim to save you money? It’s all in the numbers.

Insurance companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who fits that profile receives the best rates and therefore will save when switching.

Drivers who don’t measure up to this ideal profile will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can claim big savings.

This emphasizes why it is so important to compare as many rates as you can. It is impossible to predict which insurance company will give you the biggest savings on Ford Explorer insurance.

Be sure to get all your discounts

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Most are applied when you quote, but a few must be asked for prior to receiving the credit. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Explorer coverage than drivers with accidents.
  • Student in College – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Safety Course Discount – Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • 55 and Retired – Mature drivers may qualify for reduced rates for Explorer coverage.

Keep in mind that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will help reduce the cost of coverage.

Insurance companies who might offer these money-saving discounts include:

It’s a good idea to ask each company how you can save money. Savings may not be available in every state.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Do I need rental car coverage?
  • How many claims can I have before being cancelled?
  • Am I covered if I wreck a rental car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do all my vehicles need collision coverage?
  • When should I not file a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my trailer covered?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Auto insurance coverages

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses like chiropractic care, prosthetic devices and funeral costs. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Ford Explorer.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability

Liability coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for 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. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like structural damage, medical services and pain and suffering. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hail damage, a broken windshield, vandalism and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision coverage pays for damage to your Explorer resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Be a money saver!

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an accident victim reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.

In this article, we covered many tips how you can compare 2013 Ford Explorer insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Consumers switch companies for many reasons like unfair underwriting practices, being labeled a high risk driver, an unsatisfactory settlement offer or policy non-renewal. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

More detailed insurance information is available at these sites: