1998 Ford Explorer Insurance Rates

Drivers have a choice when trying to find the lowest priced Ford Explorer insurance. You can either waste hours contacting agents trying to get quotes or use the internet to get rate quotes.

There is a right way and a wrong way to compare car insurance rates and you need to know the quickest way to quote coverages for a Ford and find the cheapest rates.

Insurance Coverage Comparison Rates

Finding cheaper 1998 Ford Explorer insurance coverage prices is a fairly straight forward process. You just need to spend a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This method keeps you from doing separate quotation requests for every insurance coverage company. Taking the time to complete one form will get you rate comparisons instantly. Just one form and you’re done.
  2. Another way to get quotes online consists of visiting the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from Nationwide, Liberty Mutual and Allstate. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way to get comparison rates is to spend time driving to local insurance agencies. The internet can eliminate the need for a local agent unless you want the professional advice that only a license agent can provide. Drivers can comparison shop your insurance online but buy from a local insurance agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverages for each comparison quote. If you enter mixed coverages it will be very difficult to make an equal comparison.

Save with discounts on 1998 Ford Explorer insurance

The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be asked for before you will receive the discount. If they aren’t giving you every credit available, you are throwing money away.

  • Drive Less and Save – Keeping the miles down on your Ford could qualify for better rates on cars that stay parked.
  • Senior Discount – Older drivers may receive reduced rates for Explorer coverage.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break when buying car insurance for Explorer coverage.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Explorer coverage with a few car insurance companies.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.

A little note about advertised discounts, most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.

For a list of insurance companies with the best car insurance discounts, click here to view.

Tailor your coverage to you

When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can aid in determining if your situation could use an agent’s help.

  • When would I need additional glass coverage?
  • Is business property covered if stolen from my car?
  • Do I have any recourse if my insurance company denies a claim?
  • When can I cancel my policy?
  • Is my 1998 Ford Explorer covered for flood damage?
  • Do I need rental car coverage?
  • I have health insurance so do I need medical payments coverage?
  • Does my 1998 Ford Explorer qualify for pleasure use?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a deer, damage from getting keyed, vandalism and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance – This coverage protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as attorney fees, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses like doctor visits, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1998 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 should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Online plus local equals savings

In this article, we presented a lot of ways to lower your 1998 Ford Explorer insurance rates. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with some of the smallest insurance companies.

Affordable insurance is possible online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

People switch companies for a variety of reasons including delays in paying claims, delays in responding to claim requests, high rates after DUI convictions and denial of a claim. Whatever your reason, finding a great new company is actually quite simple.

Additional information