2000 Ford Explorer Car Insurance Quotes

Want cheaper car insurance rates? Drivers have many options when trying to find low-cost Ford Explorer insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to find car insurance online and you need to know the best way to quote coverages for a Ford and obtain the best price possible.

If you have insurance now or need new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. This information will tell you the best way to quote coverages. Drivers only need an understanding of the proper methods to compare prices online.

Quote auto insurance online

The majority of larger companies provide coverage price quotes online. Getting online rates is quite simple because you just enter the coverages you want on the page. After you complete the form, their system makes automated requests for your driving record and credit report and quotes a price determined by many factors.

Online price quotes makes it a lot easier to compare rates but having to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to perform this step if you are searching for better prices.

A quicker way to compare rates is to use a quote form that obtains quotes from many companies. It saves time, reduces the work, and makes rate comparisons much easier to do. After sending your information, it is quoted and you can select any of the quotes returned.

If the quotes result in lower rates, you can click and sign and purchase coverage. It only takes a few minutes and could lower your rates considerably.

If you want to find out what other companies charge, click here and fill out the form. If you currently have coverage, we recommend you copy exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting rate comparison quotes based on similar coverages.

Lower rates by qualifying for discounts

Some insurers do not advertise every disount available very clearly, so the list below gives a summary of a few of the more common and the more hidden discounts you could be receiving when you buy insurance coverage online.

• Paper-free Discount – Certain larger companies will provide an incentive for buying a policy and signing up over the internet.
• Telematics Data – Drivers that enable data collection to study driving patterns by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
• Multi-car Discount – Insuring multiple vehicles on one policy can get a discount on all vehicles.
• Good Students Pay Less – Being a good student may save as much as 25% on a insurance coverage quote. The good student discount can last up until you turn 25.
• Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
• Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Explorer coverage compared to accident prone drivers.
• Discount for Life Insurance – Larger insurance carriers have a discounted price on car insurance if you buy some life insurance too.
• No Charge for an Accident – Not a discount per se, but some companies like Progressive, Allstate, and Geico permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will reduce the cost of coverage.

A list of companies and a partial list of their discounts are shown below.

• State Farm offers premium reductions for defensive driving training, student away at school, accident-free, good student, and multiple policy.
• Progressive may include discounts for multi-policy, homeowner, continuous coverage, online quote discount, multi-vehicle, good student, and online signing.
• Travelers offers discounts for student away at school, multi-car, continuous insurance, driver training, IntelliDrive, multi-policy, and save driver.
• American Family has discounts for Steer into Savings, multi-vehicle, defensive driver, TimeAway discount, good student, bundled insurance, and accident-free.
• Liberty Mutual policyholders can earn discounts including preferred payment discount, newly retired, teen driver discount, new move discount, multi-policy, and hybrid vehicle.

Double check with all the companies to give you their best rates. Savings might not apply in your area.

Car insurance is unique, just like you

When it comes to buying adequate coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

• Can I get a multi-policy discount?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered when using my vehicle for business?
• Do I have any recourse if my insurance company denies a claim?
• When can my company non-renew my policy?
• Is my teen driver covered when they drive my company car?
• Is my camper covered by my car insurance policy?
• Can I make deliveries for my home business?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Why you might pay inflated rates

The best way to find cheaper insurance coverage is to take a look at the rating factors that play a part in calculating the rates you pay for insurance coverage. If you understand what determines base rates, this enables informed choices that may reward you with much lower annual insurance costs.

The itemized list below are just a few of the factors used by your company to calculate premiums.

• Combine policies and save money – The majority of insurance coverage companies give a discount for people who buy several policies from them. It’s known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. If you currently are using one company, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. Drivers may still find lower rates by buying from different companies
• Having a spouse reduces risk – Your spouse actually saves money on your policy. Having a significant other usually means you are more mature than a single person and statistics prove married drivers tend to file fewer claims.
• Save by driving vehicles with better crash test results – Safe vehicles cost less to insure. These vehicles result in less severe injuries and reduced instances of injuries means less money paid by your insurance company and lower rates for you. If your Ford Explorer is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Save money with higher physical damage deductibles – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. A few examples of covered claims could be collision with another vehicle, hitting a deer, or theft. Comprehensive and collision coverage deductibles are the amount of money you are required to pay in the event of a claim. The more you have to pay, the lower your rates will be for Explorer coverage.
• Low stress occupation equals lower insurance coverage rates – Do you work in a high-stress field? Occupational choices like fire fightersair traffic controllers and accountants are shown to have the highest rates due to high stress levels and lengthy work days. On the other hand, careers such as scientists, engineers and retirees have lower than average premiums for Explorer coverage.
• Is your vehicle theft-ready? – Selecting a car model with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft and help bring rates down.
• More people means more accidents – Being located in a small town may provide you with better prices when trying to find low car insurance rates. People who live in big cities have more road rage incidents and more time behind the wheel. Less people means less chance of accidents and also fewer theft and vandalism claims.

The coverage is in the details

Understanding the coverages of a auto 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 difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, prosthetic devices, rehabilitation expenses, funeral costs and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

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

Collision insurance covers claims such as damaging your car on a curb, crashing into a ditch, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2000 Ford Explorer.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages – This coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, medical expenses, emergency aid and court costs. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Money doesn’t grow on trees

People change insurance companies for a variety of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, lack of trust in their agent and even high prices. No matter why you want to switch, finding a new insurance coverage company is not as difficult as it may seem.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The aim is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

Cheap 2000 Ford Explorer insurance is possible on the web and from local insurance agents, and you should be comparing both to get a complete price analysis. A few companies may not offer online rate quotes and these small insurance companies sell through local independent agents.

To learn more, take a look at the resources below:

• Should I Buy a New or Used Car? (Allstate)
• Get the Right Protection (InsureUonline.org)
• How do I File a Claim? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)