Cheap 2005 Ford Explorer Car Insurance Quotes

Want cheaper insurance rates for your Ford Explorer? Comparing insurance rates online is challenging if you have never used online price comparisons. Don’t let that stop you because there is an easy way to compare rates.

If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Finding cheaper coverage is not that difficult. Although car owners can benefit from knowing how big insurance companies sell insurance online because it can help you find the best coverage.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help bring down the price. Most are applied at the time of purchase, but a few must be inquired about before you will receive the discount.

  • College Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Homeowners Pay Less – Owning a house may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Explorer coverage with a few car insurance companies.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Military Discounts – Having a family member in the military can result in better rates.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous. But all discounts will reduce your overall premium however.

Car insurance companies that may offer these benefits may include but are not limited to:

Check with all companies you are considering which discounts they offer. Some discounts may not apply in every state.

Car insurance is unique, just like you

When buying adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions could help you determine if your situation might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Should I buy full coverage?
  • When can I cancel my policy?
  • When should I buy a commercial auto policy?
  • Do I need motorclub coverage?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Specifics of your auto insurance policy

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for X-ray expenses, rehabilitation expenses, ambulance fees, pain medications and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability coverage

This provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as legal defense fees, medical expenses, attorney fees, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Auto collision coverage

This coverage 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 can pay for things such as sideswiping another vehicle, colliding with a tree and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

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 coverage protects against things like theft, vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Explorer.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Shop smart and save

Consumers change insurance companies for a variety of reasons including policy non-renewal, lack of trust in their agent, delays in responding to claim requests and unfair underwriting practices. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

Affordable 2005 Ford Explorer insurance can be sourced online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

You just read many ways to lower your insurance rates. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even discover the most savings is with a small mutual company.

Much more information about insurance is available at these links: