Save on 1999 Ford Explorer Car Insurance Quotes

Have you fallen victim to an overpriced car insurance policy? Trust us, you are not the only one feeling buyer’s remorse.

Drivers have multiple insurers to pick from, and even though it’s nice to have multiple companies, it makes it harder to find the lowest rates.

Consumers need to take a look at other company’s rates on a regular basis because insurance rates are variable and change quite frequently. If you had the best price on Explorer coverage on your last policy you can probably find a better price now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the things you must know in order to get good coverage at a lower rate.

Finding the best coverage is quite easy. Basically, every driver who is shopping for car insurance most likely will be able to find better rates. Although car owners must know the methods companies use to sell insurance online.

How to Compare Auto Insurance

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The simplest method to find competitive 1999 Ford Explorer insurance rates consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the simplest ways to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form prevents you from having to do separate quote forms for each company you want a rate for. Filling out one form will return quotes from all major companies.
  2. A slightly less efficient method to get comparison quotes is going to the website for each individual company to complete a price quote. For sake of this example, we’ll assume you want to compare GEICO, State Farm and Travelers. To find out each rate you need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but make darn sure you compare identical deductibles and coverage limits for every company. If you have different limits and deductibles on each one it will be next to impossible to decipher which rate is best. Quoting even small variations in coverage limits could mean much higher rates. Just remember that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you purchase, but some must be specifically requested prior to receiving the credit.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • E-sign – A few companies give back up to $50 for buying your policy digitally online.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • College Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Safety Course Discount – Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

It’s important to note that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

Companies that possibly offer some of the above discounts include:

Check with all companies you are considering what discounts are available to you. All car insurance discounts may not apply in your state.

Ford Explorer rates are in the details

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Older drivers pay less – Older drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Young drivers are known to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Your occupation can affect rates – Did you know that where you work can have an impact on rates? Jobs such as lawyers, social workers and accountants are shown to have higher rates than average attributed to job stress and long work days. On the flip side, occupations such as actors, athletes and performers pay the least on Explorer coverage.
  • Liability coverage protects you – The liability section of your policy is the coverage that protects you in the event that you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Ford is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Don’t get talked into coverage you don’t need – There are a ton of add-on coverages that you can buy when buying auto insurance. Coverages for rental car reimbursement, towing coverage and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so eliminate them to save money.
  • Bad driving skills means higher rates – Even one moving violation can increase rates forty percent or more. Good drivers have lower premiums than people who have multiple driving citations. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining if you will benefit from professional help.

  • Why am I required to buy liability insurance?
  • Does medical payments coverage apply to all occupants?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I drive in a foreign country?
  • Does my policy cover my teen driver if they drive my company car?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance ads bend the truth

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies make the same claim of big savings if you move to their company. How does each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver they prefer to insure. For example, a preferred risk could possibly be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” receives the best rates and is almost guaranteed to save when they switch companies.

Potential insureds who do not match the “perfect” profile will be charged higher prices which usually ends up with the customer not buying. The ad wording is “people who switch” not “people who quote” save money. That’s why insurance companies can make those claims.

That is why you absolutely need to compare many company’s rates. It’s just too difficult to predict which company will fit your personal profile best.

Learn about auto insurance coverages for a Ford Explorer

Having a good grasp of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Collision protection

This covers damage to your Explorer resulting from a collision with an object or car. You have to 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, hitting a mailbox, rolling your car, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for things like dental work, surgery, X-ray expenses and chiropractic care. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, damage from flooding and a broken windshield. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

This protects you from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, emergency aid, legal defense fees, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Knowledge is power

As you restructure your insurance plan, never buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage only to regret that they should have had better coverage. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

The cheapest 1999 Ford Explorer insurance can be purchased online as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance providers don’t offer online quoting and these regional insurance providers work with independent agents.

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