Cheap 2016 Ford Explorer Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Ford Explorer? Finding lower rates for insurance coverage can seem to be challenging for beginners to comparing rates online. You have so many companies to choose from that it can turn into a ton of work to find the best price.

You need to shop coverage around quite often since insurance rates are usually higher with each renewal. Just because you had the best deal on Explorer insurance two years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about insurance coverage because we’re going to show you one of the best ways to find better rates and still maintain coverage.

Comprehensive Insurance Coverage Comparison

Comparing insurance coverage rates can be exhausting if you aren’t aware of the most efficient way to do it. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get prices fast.

Most major companies belong to an insurance system that allows shoppers to only type in their quote data once, and each participating company then returns a price quote. This eliminates the need for quote forms to every company.

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

The only drawback to using this type of system is you don’t know exactly the insurers you want pricing from. So if you prefer to choose individual companies to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverages and limits with every price quote. If you are comparing mixed coverages it will be next to impossible to determine which rate is truly the best. Slightly different insurance coverages can make a big difference in price. And when comparing insurance coverage rates, know that comparing a large number of companies provides better odds of finding the best price.

Verify you’re getting all your discounts

Car insurance companies don’t always list every discount in a way that’s easy to find, so we break down some of the more common as well as the least known discounts you could be receiving.

  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.
  • Homeowners Pay Less – Owning a house may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Paperless Signup – A handful of insurance companies give back up to $50 just for signing your application on their website.

It’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of insurers who offer car insurance discounts, follow this link.

Ford Explorer rate determination is complex

An important part of buying insurance is that you know the factors that go into determining the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get better auto insurance rates.

  • What are your deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Ford from damage. Examples of covered claims could be running into the backend of another car, damage from fire, and burglary. Your deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more expense you’re willing to pay, the less your company will charge you for insurance on Explorer insurance.
  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men have accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and fewer injuries means less money paid by your insurance company and thus lower rates. If your Ford is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Tickets mean higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates compared to drivers with tickets. Just one moving violation may increase your cost by twenty percent. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Your occupation can affect rates – Occupations like real estate brokers, social workers and stock brokers tend to pay the highest rates because of high stress levels and lots of time spent at work. On the other hand, occupations such as farmers, students and the unemployed have the lowest average rates on Explorer insurance.

When should I talk to an agent?

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover a custom paint job?
  • Is my cargo covered for damage or theft?
  • Do I need added coverage for expensive stereo equipment?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I pay less if my vehicle is kept in my garage?
  • Exactly who is provided coverage by my policy?
  • How much liability do I need to cover my assets?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Explorer.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as funeral costs, surgery, hospital visits and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, a broken windshield, rock chips in glass, fire damage and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This pays for damage to your Explorer from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, legal defense fees, loss of income, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

More choices the merrier

We just presented many ways to shop for 2016 Ford Explorer insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

Cost effective insurance is attainable both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, never skimp on coverage in order to save money. There are too many instances where an insured cut collision coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

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