2004 Ford Explorer Sport Trac Insurance Rates – 10 Tricks for Cheapest Quotes

Locating low-cost insurance for your Ford Explorer Sport Trac can turn out to be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to compare auto insurance rates so you’re going to learn the quickest way to compare rates for a new or used Ford and find the best price possible from both online companies and local agents.

It’s important to get comparison quotes once or twice a year because prices are constantly changing. Just because you found the lowest price on Explorer Sport Trac insurance a couple years back there may be better deals available now. Don’t believe everything you read about auto insurance online, so I’m going to show you some guaranteed methods to buy auto insurance cheaper.

Finding the best rates is easy if you know what you’re doing. If you are insured now or are just looking to switch companies, you can learn to find the best rates while maximizing coverage. Drivers only need to know the proper way to compare prices online.

The best way we recommend to compare rates is to know the fact almost all companies provide online access to compare their rates. The only thing you need to do is provide a little information including how your vehicles are used, types of safety features, the year, make and model of vehicles, and whether you have decent credit. Your information is instantly provided to insurance carriers in your area and they return quotes within a short period of time.

To start a quote now, click here then complete the form.

How to save on 2004 Ford Explorer Sport Trac insurance

Companies don’t always advertise all their discounts in a way that’s easy to find, so we researched some of the more common and the more hidden auto insurance savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • 55 and Retired – Older drivers may be able to get reduced rates on Explorer Sport Trac insurance.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Explorer Sport Trac insurance than drivers with accidents.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

Companies who might offer these benefits include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When choosing coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • I have health insurance so do I need medical payments coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if I drive in a foreign country?
  • Do I need roadside assistance coverage?
  • Can I get a multi-policy discount?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Drivers who switch save $468 a year? Really?

Consumers constantly see and hear ads for the lowest price auto insurance by Geico, State Farm and Progressive. All the ads make an identical promise that you’ll save big if you change to their company.

How does each company claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the right customer that earns them a profit. An example of a preferred risk might be between the ages of 40 and 55, has no prior claims, and has great credit. A driver who matches those parameters is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who fall outside the requirements will be charged more money and ends up with business not being written. The ad wording is “people who switch” not “people who quote” save that much money. That is how insurance companies can confidently advertise the way they do. That is why drivers should get a wide range of price quotes. It’s not possible to predict which insurance company will fit your personal profile best.

The coverage is in the details

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like funeral expenses, bail bonds, repair bills for other people’s vehicles, loss of income and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix 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 can pay for claims such as hitting a bird, fire damage, damage from flooding, hail damage and rock chips in glass. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

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.

Auto collision coverage

Collision coverage pays for damage to your Explorer Sport Trac from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, crashing into a building, hitting a mailbox, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like prosthetic devices, chiropractic care, hospital visits, doctor visits and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

Consumers leave their current company for a variety of reasons including delays in responding to claim requests, questionable increases in premium, high rates after DUI convictions or even being labeled a high risk driver. Regardless of your reason for switching companies, switching auto insurance companies is not as difficult as it may seem.

In this article, we covered a lot of tips how to lower your 2004 Ford Explorer Sport Trac insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with an unexpected company.

Cheaper insurance can be found from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

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