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Ford Explorer Insurance Rates

There are many options when attempting to insure your Ford vehicle. You can either buy through your neighborhood insurance agent or get quotes online to compare insurance costs of many different auto insurance companies. Finding cheaper auto insurance through online rate quotes saves time, is easy to do and there is a good chance you will probably save money.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online rate quotes. But don't be discouraged because there is an easy way to compare rates. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Insurance rates on a Ford Explorer will vary greatly and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Your birth date
  • Being married may save money
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

One last important factor which can affect the rate you pay on your Ford is the year of manufacture. Models that are new have a higher actual cash value so the costs to repair will push premiums up. But newer vehicles may have options including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Explorer below.

Auto liability

This can cover damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as much as you can afford.

Auto collision coverage

This covers damage to your Ford resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Explorer can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

This 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. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.

How Much are Ford Explorer Insurance Rates?