Cheap 1998 Ford Explorer Insurance Quotes

Are you tired of not being able to afford to insure your Ford every month? You are in the same boat as millions of other consumers. Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to find the lowest cost out there.

If you have insurance now or are just looking to switch companies, you can use these tips to cut your premiums while maximizing coverage. Buying car insurance is quite easy. Vehicle owners just need to understand the tricks to compare prices online.

More discounts equal less premium

Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Homeowners Savings – Owning a home may earn you a small savings because owning a home shows financial diligence.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Drive Less and Save – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • No Accidents – Claim-free drivers can save substantially when compared to drivers who are more careless.

It’s important to note that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

For a list of insurers who offer insurance coverage discounts, click this link.

What determines your Ford Explorer insurance premium

It’s important that you understand the factors that play a part in calculating car insurance rates. Understanding what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Too many car insurance claims drive up costs – Auto insurance companies give cheaper rates to people who do not file claims often. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • The more you drive the more you pay – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your car insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your Explorer can cost quite a bit.
  • How credit affects car insurance rates – Credit score is a important factor in calculating your car insurance rates. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores. If your credit history is low, you could potentially save money when insuring your 1998 Ford Explorer by repairing your credit.
  • Big city or small town – Residing in a small town has it’s advantages when buying car insurance. Fewer drivers means reduced accidents. City drivers tend to have congested traffic and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Special features that cut premiums – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Women and men are in accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Don’t buy coverages you don’t need – There are quite a few extra coverages that can waste your money on your car insurance policy. Coverages for vanishing deductibles, accident forgiveness and membership fees are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.

It’s not one size fits all

When it comes to choosing the best auto insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if hit by an uninsured driver?
  • Does having multiple vehicles earn me a discount?
  • Is extra glass coverage worth it?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I put collision coverage on all my vehicles?
  • Is rental equipment covered for theft or damage?
  • I have a DUI can I still get coverage?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Car insurance coverages for a Ford Explorer

Learning about specific coverages of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

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

Comprehensive insurance covers things like damage from a tornado or hurricane, theft, a broken windshield, rock chips in glass and falling objects. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision coverage will pay to fix damage to your Explorer from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, scraping a guard rail, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as pain and suffering, attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for EMT expenses, chiropractic care, X-ray expenses, dental work and surgery. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

At the end of the day…

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy enough coverage at an affordable rate.

Cheaper 1998 Ford Explorer insurance can be found on the web in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide online quoting and these small, regional companies work with independent agents.

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