Cheap 1994 Ford Explorer Insurance Quotes

Want cheaper insurance rates for your Ford Explorer? Consumers who are new to buying insurance online could find purchasing affordable insurance quite challenging.

Compare the Market for Insurance Coverage

When shopping for insurance coverage there are multiple ways of comparing price quotes from local insurance coverage companies. The easiest way by far to find competitive 1994 Ford Explorer insurance rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to find low rates is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quotation requests for each company. One simple form will get you rate comparisons from multiple low-cost companies. Just one form and you’re done.
  2. A more difficult way to find lower rates requires a trip to the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll assume you want rates from State Farm, Safeco and GMAC. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using identical deductibles and coverage limits with each company. If you are comparing unequal deductibles or liability limits it will be impossible to make a fair comparison for your Ford Explorer. Slightly different limits can mean a large discrepancy in price. And when price shopping your coverage, having more price comparisons helps locate a better price.

Discounts on Ford Explorer insurance

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Some trigger automatically when you complete an application, but some must be specially asked for prior to receiving the credit.

  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Distant Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiration. The savings is around 10%.
  • 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates for Explorer coverage.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will help reduce your premiums.

Car insurance companies that may have some of the above discounts include:

Before buying, ask every prospective company what discounts are available to you. Savings might not apply everywhere.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover whether you could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • What is the difference between comprehensive and collision coverage?
  • When should I not file a claim?
  • Do I need roadside assistance coverage?
  • Are rock chip repairs covered?
  • Should I buy additional glass protection?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage information

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and a broken windshield. The most 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 consider removing comprehensive coverage.

Collision – This coverage pays for damage to your Explorer resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a building, hitting a parking meter, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability insurance protects you from damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, medical services and loss of income. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as doctor visits, X-ray expenses and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage