2015 Ford Explorer Insurance Quotes

Trying to find better insurance coverage rates for your Ford Explorer? Expensive insurance coverage can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill. There are many insurers to insure vehicles with, and although it’s a good thing to have a selection, having more auto insurance companies makes it harder to get the best deal.

It’s a good idea to get comparison quotes occasionally because prices are variable and change quite frequently. Even if you think you had the lowest rates on Explorer insurance on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

Buying the cheapest insurance coverage coverage is quite easy. If you have a current insurance coverage policy or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Vehicle owners only need to know the tricks to get comparison rates online.

Why your Ford Explorer might be costing you more

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Men and women tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Better crash test results mean better rates – Safer cars can get you lower premiums. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If the Ford Explorer has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Never go without insurance – Driving with no insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • With age comes lower rates – Teen drivers have a tendency to be careless and easily distracted when driving so car insurance rates are higher. Having to add a teen driver to your car insurance policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • More people means more accidents – Residing in small towns and rural areas has it’s advantages when buying car insurance. Lower population translates into fewer accidents. City drivers tend to have congested traffic and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Better credit means lower rates – Having a bad credit score is a big factor in calculating your car insurance rates. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit rating is low, you could be paying less to insure your 2015 Ford Explorer by improving your credit score.

Cut your car insurance rates with discounts

Car insurance can cost a lot, but you may find discounts that many people don’t even know exist. Most are applied when you purchase, but a few must be asked about before you get the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Defensive Driving Course – Completing a course in driver safety could save 5% or more depending on where you live.
  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Explorer insurance than drivers with accidents.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Homeowners Savings – Being a homeowner can help you save on car insurance because of the fact that having a home shows financial diligence.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

To see a list of companies with the best car insurance discounts, follow this link.

Don’t listen to company ads

Consumers can’t ignore all the ads for car insurance savings by companies like Allstate, Geico and Progressive. They all seem to say the same thing about savings if you move to them.

How does each company make almost identical claims?

Different companies can use profiling for the right customer they prefer to insure. For example, a desirable insured could possibly be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get very good rates and most likely will cut their rates substantially.

Potential insureds who do not match these standards will be quoted higher rates and ends up with the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why companies can state the savings.

This emphasizes why drivers must get quotes from several different companies. It is impossible to predict which insurance coverage company will provide you with the cheapest Ford Explorer insurance rates.

You are unique and your insurance should be too

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • At what point should I drop full coverage?
  • What companies insure drivers after a DUI or DWI?
  • Does my policy cover my teen driver if they drive my company car?
  • Will my rates increase for filing one claim?
  • Can I drive in Mexico and have coverage?
  • Exactly who is provided coverage by my policy?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Coverage for liability

This coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Explorer.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage pays for damage to your Explorer 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 protects against things such as rolling your car, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, a tree branch falling on your vehicle, hail damage and damage from flooding. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like prosthetic devices, nursing services, doctor visits, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Online plus local equals savings

Cheaper 2015 Ford Explorer insurance is definitely available on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are too many instances where someone sacrificed physical damage coverage only to discover later they didn’t have enough coverage. Your aim should be to get the best coverage possible for the lowest price.

We just presented some good ideas how to get a better price on insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a small mutual company. These companies often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

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