2009 Ford Explorer Sport Trac Insurance Cost

Want lower insurance rates for your Ford Explorer Sport Trac? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance. Companies like Geico, Progressive and Allstate all promote huge savings with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

You should take the time to take a look at other company’s rates occasionally because insurance rates are constantly changing. Just because you found the best price on Explorer Sport Trac coverage six months ago a different company probably has better rates today. You can find a lot of wrong information about insurance online, so we’re going to give you the best ways to reduce your insurance bill.

If you are insured now or are shopping for new coverage, you can use these tips to find the best rates and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to know the tricks to get comparison rates online.

Finding Insurance Deals

Finding a better price on insurance isn’t really that difficult. All that’s required is to invest a little time to compare quotes from different insurance companies. This can be accomplished in several different ways.

  1. One of the best ways consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do a different quote for each company. A single form will get you rate comparisons from insurance companies with the best prices.
  2. A more time consuming way to obtain and compare quotes online is spending the time to visit each company website to complete their respective quote request forms. For instance, we’ll assume you want rates from USAA, Safeco and Progressive. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least efficient way of getting rate comparisons is to spend your day driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance only provided by licensed agents. Drivers can compare online quotes but buy from a local insurance agent and we’ll cover that in a bit.

Whichever way you use, compare identical coverages for each price quote. If you enter higher or lower deductibles it will be very difficult to truly determine the lowest rate.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at quote time, but a few must be inquired about before you get the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Explorer Sport Trac coverage than drivers with accident claims.
  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a small decrease in premiums on Explorer Sport Trac coverage.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Explorer Sport Trac coverage depending on your company.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Driver’s Ed – Have your child complete a driver education course in school.

It’s important to understand that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will cut your premiums.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Double check with each insurance company how you can save money. Some discounts may not be available in your area.

How to know if you need help

When buying the best insurance coverage coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions can aid in determining if you might need an agent’s assistance.

  • Do all my vehicles need collision coverage?
  • What discounts do I qualify for?
  • Can I make deliveries for my home business?
  • Does car insurance cover theft of personal property?
  • Are rental cars covered under my policy?
  • Can my teen drive my company car?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my state a no-fault state?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Insurance coverage options for a Ford Explorer Sport Trac

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Liability car insurance

This can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, structural damage and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Explorer Sport Trac from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as ambulance fees, X-ray expenses and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Explorer Sport Trac.

Because many people carry very low liability coverage 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. Most of the time these limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Smart shoppers get results

Cheap 2009 Ford Explorer Sport Trac insurance is possible online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer online price quotes and these small, regional companies work with independent agents.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.

We’ve covered some good ideas how to save on insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive or Geico.

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