View 2015 Ford Explorer Insurance Quotes

Want the cheapest insurance coverage rates for your Ford Explorer? Are you tired of not being able to afford to buy car insurance? You’re in the same situation as many other consumers.

There are many car insurance companies to insure vehicles with, and although it’s nice to have a choice, it can be more challenging to compare rates.

It’s a good idea to get comparison quotes occasionally since insurance rates change quite often. Just because you had the best rates on Explorer coverage a few years ago the chances are good that you can find a lower rate today. So block out anything you think you know about insurance coverage because you’re about to learn the best way to save on insurance coverage.

Be sure to get all your discounts

Companies that sell car insurance do not advertise every discount very well, so we break down some of the best known and the more hidden car insurance savings.

  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Clubs and Organizations – Belonging to a civic or occupational organization is a good way to get lower rates when buying car insurance on Explorer coverage.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy can get a discount on all vehicles.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck.

Insurance companies that may offer these benefits include:

Double check with each insurance company how you can save money. Discounts may not be available in your state.

Why your Ford Explorer might be costing you more

Consumers need to have an understanding of some of the elements that go into determining your insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Protect your assets with liability insurance – Liability coverage provides coverage if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Do you need those extra coverages? – There are a lot of extra bells and whistles you can purchase on your insurance policy. Coverages like personal injury protection, better glass coverage and membership fees are examples of these. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
  • Occupation reflects on rates – Occupations such as judges, social workers and dentists tend to pay the highest average rates attributed to high stress levels and long work hours. Other professions such as actors, historians and the unemployed have the lowest average rates on Explorer coverage.
  • Credit scores impact insurance rates – Your credit history is a large factor in determining what you pay for insurance. Therefore, if your credit history is not that good, you could be paying less to insure your 2015 Ford Explorer by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • Traffic citations inflate rates – Careful drivers have lower premiums than their less careful counterparts. Even a single speeding ticket can boost insurance rates by as much as thirty percent. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Can I get a multi-policy discount?
  • What is the minimum liability in my state?
  • If my 2015 Ford Explorer is totaled, can I afford another vehicle?
  • How do I buy GAP insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Drivers who switch save $392 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to make an identical promise about savings if you switch your coverage to them. How does each company make the same claim? It’s all in the numbers.

All companies have a preferred profile for the right customer that makes them money. An example of a preferred risk might be over the age of 40, a clean driving record, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and therefore will pay quite a bit less when switching companies.

Potential customers who do not match the requirements will be charged higher rates which usually ends up with business going elsewhere. The ads say “people who switch” not “everyone that quotes” save money. This is how insurance companies can advertise the savings. That is why it is so important to compare as many rates as you can. It is impossible to predict which company will fit your personal profile best.

The coverage is in the details

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for surgery, nursing services and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Explorer.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses, emergency aid, attorney fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage and fire damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays for damage to your Explorer from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, colliding with a tree, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Buy Smart and Save

Discount 2015 Ford Explorer insurance is attainable online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We just showed you a lot of information how to get a better price on insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with the smaller companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

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