Cheaper 1997 Ford Explorer Insurance Quotes

Looking for lower car insurance rates for your Ford Explorer? Are you intimidated by the sheer number of car insurance companies? Many other consumers are too. You have so many options available that it can be a big hassle to find the lowest price.

You should make it a habit to shop coverage around periodically due to the fact that insurance rates are usually higher with each renewal. Just because you found the lowest rates on Explorer coverage a year ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we’re going to demonstrate how to use online quotes to find great coverage at a great price.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Locating affordable car insurance coverage is easy if you know what you’re doing. Nevertheless, car owners can benefit by having an understanding of how the larger insurance companies sell online because it can help you find the best coverage.

The quickest way to compare policy rates is to understand most of the larger companies participate in online systems to give free rates quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details including the type of vehicles you drive, whether or not you need a SR-22, how many miles driven, and your education level. That information is instantly provided to multiple companies and you get price estimates almost instantly.

Ford Explorer insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

  • Never let your coverage lapse – Letting your insurance expire will be a guaranteed way to bump up your car insurance costs. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Where you reside plays a part – Being located in a rural area can save you money when talking about car insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that you can buy on your Explorer policy. Coverages like rental car reimbursement, towing coverage and term life insurance are some examples. These coverages may sound good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Ford Explorer has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

Save on Ford Explorer insurance

Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be specifically requested prior to receiving the credit.

  • Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • Multiple Policy Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Claim Free – Claim-free drivers pay less as compared to drivers who are more careless.
  • Distant Student – Any of your kids who live away from home and do not have a car may be able to be covered for less.
  • Safety Course Discount – Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.

It’s important to understand that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.

Companies who might offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Do I need an umbrella policy?
  • When can my company non-renew my policy?
  • Is pleasure use cheaper than using my 1997 Ford Explorer to commute?
  • Am I covered when delivering products for my home-based business?
  • Am I covered when driving someone else’s vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Are rental cars covered under my policy?
  • How does medical payments coverage work?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specifics of your auto insurance policy

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance

This coverage will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, bail bonds, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, hail damage, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, doctor visits and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover 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 coverage covers damage to your Explorer resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, crashing into a building, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Keep this in mind

We’ve covered a lot of tips how to save on 1997 Ford Explorer insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies.

Drivers who switch companies do it for any number of reasons including policy non-renewal, high prices, delays in responding to claim requests and even extreme rates for teen drivers. Regardless of your reason, finding a great new company can be pretty painless.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability limits or collision coverage only to discover later they didn’t have enough coverage. The ultimate goal is to buy enough coverage for the lowest price while still protecting your assets.

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