Cheaper 2007 Ford Explorer Insurance Rates

Buyers have a choice when searching for the best price on Ford Explorer insurance. You can either spend your time contacting agents to compare prices or use the internet to get rate quotes. There are more efficient ways to shop for car insurance so we’re going to tell you the quickest way to price shop coverage for a Ford and find the lowest possible price from both online companies and local agents.

If you have a policy now or are shopping for new coverage, you can use this information to shop for the lowest rates and still get good coverage. This information will familiarize you with the best way to quote coverages. Drivers only need an understanding of the most effective way to shop their coverage around on the web.

How to Compare Insurance Rates

There are several ways you can shop for Ford Explorer insurance but one way is less time-consuming than others. You can waste a lot of time talking to local insurance agents in your area, or you could use online quoting to get the quickest rates.

Many popular insurance companies enroll in a system where prospective buyers submit one quote, and every company can provide price quotes based on the submitted data. This system prevents you from having to do quote forms to each individual insurance company. To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to doing it this way is you cannot specify which companies to get quotes from. If you would rather choose from a list of companies to compare prices, we have a page of insurance companies in your area. Click to view list.

It’s up to you which method you use, but double check that you are using the exact same deductibles and coverage limits for every quote you compare. If you enter unequal deductibles or liability limits you can’t possibly truly determine the lowest rate.

When should I talk to an agent?

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Do I pay less if my vehicle is kept in my garage?
  • What can I do if my company denied a claim?
  • I have a DUI can I still get coverage?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when driving on a suspended license?
  • What discounts do I qualify for?
  • Should I bundle my homeowners policy with my auto?
  • How much liability do I need to cover my assets?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for surgery, pain medications, EMT expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage will pay to fix damage to your Explorer resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, rolling your car, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims such as legal defense fees, emergency aid, court costs and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.