2006 Ford Explorer Insurance Rates – 10 Tips for Cheaper Quotes

Trying to find cheaper car insurance rates for your Ford Explorer? I can’t think of a single person who looks forward to buying car insurance, in particular when the price is too high. Many car insurance companies compete for your business, so it can be very hard to choose a insurance company to discover the definitive lowest rate possible.

If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Finding affordable coverage is not rocket science. Vehicle owners just need to learn the proper methods to compare prices online.

Discounts can save BIG

Companies that sell car insurance don’t necessarily list every available discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known insurance savings. If they aren’t giving you every credit available, you are throwing money away.

  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
  • Club Memberships – Belonging to a professional or civic organization could qualify you for a break on insurance on Explorer coverage.
  • Multi-policy Discount – If you have multiple policies with the same company you may earn at least 10% off all policies.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Explorer coverage than drivers with accidents.
  • Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford can earn a substantially lower rate.
  • Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

Companies that may offer these money-saving discounts are:

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

Will just any policy work for me?

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I drive in a foreign country?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does liability extend to a camper or trailer?
  • What is the difference between comprehensive and collision coverage?
  • Should I put collision coverage on all my vehicles?
  • Where can I find high-risk insurance?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings from companies such as Allstate and Progressive. They all make the same claim of big savings if you change your policy.

How do they all make the same claim?

All the different companies are able to cherry pick for the driver that makes them money. A good example of a driver they prefer might be profiled as over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A customer who matches those parameters receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don’t measure up to the “perfect” profile will be charged a higher premium and ends up with business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that much. That is how insurance companies can confidently make those claims. That is why you should get a wide range of price quotes. It’s impossible to know which insurance companies will give you the biggest savings on Ford Explorer insurance.

Car insurance coverage information

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2006 Ford Explorer.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, damage from flooding, vandalism, theft and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your Explorer caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, scraping a guard rail, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Auto liability

Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, emergency aid, court costs and structural damage. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as surgery, rehabilitation expenses, nursing services, hospital visits and dental work. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Save your cold hard cash

As you shop your coverage around, you should never buy less coverage just to save a little money. There have been many situations where drivers have reduced liability coverage limits and learned later they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.

Discount 2006 Ford Explorer insurance can be found from both online companies and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

Additional information can be found at these links: