Cheaper 2018 Ford Explorer Insurance Quotes

Looking for the cheapest car insurance rates for your Ford Explorer? Do you get exhausted from robbing Peter to pay Paul to pay high car insurance rates every month? You are in the same boat as many other drivers. Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with advertising and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

Discounts for cheap insurance coverage rates

Insurance can be prohibitively expensive, but you might already qualify for some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you quote, but some may not be applied and must be asked about before they will apply.

  • One Accident Forgiven – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual permit an accident without raising rates if your claims history is clear prior to being involved in the accident.
  • Discounts for Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Explorer coverage as compared to drivers with claims.
  • E-sign Discounts – Certain larger companies will give a small break simply for signing over the internet.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for slightly better insurance coveragerates than normal.
  • Professional Memberships – Having an affiliation with a qualifying organization could qualify you for a break on your policy.
  • Bundle and Save – If you combine your home and auto policies with one company you may save at least 10% off all policies.
  • Discount for Swiching Early – Some insurance coverage companies provide a discount for buying a policy early. Ten percent is about the average savings.
  • Save with More Vehicles Insured – Buying a policy with multiple vehicles on a single policy can get a discount for every vehicle.
  • No Claims – Insureds with no claims or accidents have much lower rates as compared to drivers who are more careless.
  • College Student Discount – Older children who are attending college and do not have a car could get you a discount.

As is typical with insurance, some of the credits will not apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Car insurance companies that possibly offer most of the discounts above possibly include:

If you need inexpensive insurance quotes, ask all the companies which discounts you may be entitled to. Savings might not be offered on policies in your area. To choose providers who offer insurance coverage discounts, click here to view.

How to compare insurance coverage quotes

Comparing insurance coverage rates can take hours if you don’t know the easiest way. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that enables customers to complete one form, and each participating company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions for every insurance coverage company.

To use this form to compare rates click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. If you would rather choose individual companies to compare rates, we have a page of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using the same coverages on every quote you get. If each company quotes differing limits it will be nearly impossible to determine the best price for your Ford Explorer.

Educated choices result in lower insurance rates

Many factors are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving history, although others are less apparent like where you live or your financial responsibility.

  • Liability protection is important – Liability coverage will provide protection when you are ruled to be at fault for damages from an accident. Liability insurance provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Tickets and citations cost more than a fine – Drivers who don’t get tickets pay lower auto insurance prices compared to drivers with tickets. Even one chargable violation may cause rates to rise substantially. Drivers who have gotten multiple citations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to drive a vehicle legally.
  • Do you know your coverage deductibles? – Physical damage coverage, aka comp and collision, insures against damage to your Ford. Examples of some claims that would be covered are a windshield shattered by a rock, vandalism, and having your car stolen. Your deductibles represent how much money you are required to pay before a claim is paid by your company. The more of the claim you are required to pay out-of-pocket, the lower your rates will be on Explorer coverage.
  • Credit history impact insurance costs – Credit rating will be a significant factor in determining your rates. If your credit leaves room for improvement, you could potentially save money when insuring your 2018 Ford Explorer by improving your credit score. Consumers who have good credit tend to be better drivers and file fewer claims than drivers with lower ratings.
  • Avoid coverage lapses – Driving without insurance coverage in place can get your license suspended and any future policy may cost more because you let your insurance expire. Not only will rates go up, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Better rates with anti-theft devices – Choosing to buy a car with a theft deterrent system can help bring down rates. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft and help bring rates down.

Tailor your insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I sign the liability waiver when renting a car?
  • If my 2018 Ford Explorer is totaled, can I afford another vehicle?
  • Am I getting all the discounts available?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

The ad said I’d save $460 a year!

Consumers can’t get away from ads that promise big savings for switching from the likes of State Farm, Geico and Progressive. All the ads say the same thing that people will save if you get a free insurance quote and switch to their company.

But how can every company charge you a lower premium? Here is how they do it.

All the different companies have strict underwriting profiles for a prospective insured that will add to their bottom line. A good example of a profitable customer may need to be a married male, is a homeowner, and has a high credit rating. A propective insured that meets those criteria will get low premium rates and will most likely save if they switch.

Consumers who are not a match for this stringent profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. The trick is to say “people who switch” but not “all drivers who get quotes” save that kind of money. That’s the way companies can truthfully claim big savings. Because of these techniques, you really need to compare price quotes frequently. It is impossible to guess with any certainty which company will give you the biggest savings.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from a tornado or hurricane, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses for things like EMT expenses, dental work, prosthetic devices, X-ray expenses and doctor visits. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability – This coverage protects you from injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as pain and suffering, legal defense fees, structural damage and court costs. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, damaging your car on a curb, scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Ford Explorer.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

At the end of the day…

Lower-priced 2018 Ford Explorer insurance is possible both online in addition to local insurance agencies, so get free insurance quotes from both of them to have the best chance of lowering rates. Some companies may not offer online quoting and most of the time these smaller companies only sell coverage through independent agencies.

In this article, we presented many ways to get a better price on 2018 Ford Explorer insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best premium rates are with the least-expected company. These companies may only write in your state and offer lower prices compared to the large companies like Progressive or Geico.

Additional information can be read on the following sites: