Vehicles > Ford > Explorer

Ford Explorer Insurance Rates

Finding cheaper car insurance on the web can be fast and easy, in addition you may find lower rates. The most important part is to take the time to get rates from all companies so you can compare the lowest priced insurance.

If you are a novice to online car insurance shopping, you may be confused by the hoards of companies selling insurance. The are a couple different ways of comparing rates from car insurance companies in your area. The best method to find the lowest Explorer insurance cost is to perform an online rate comparison. This is very easy and can be done by visiting this page.

FREE Car Insurance Comparison

Criteria which help determine Ford insurance rates

Insurance premiums on a Ford Explorer can vary widely depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Credit rating
  • Male rates may be higher
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Your job
  • The amount of protection requested
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new Ford models so the cost to replace them may result in lower rates. But newer vehicles have more advanced features including dual-stage airbags, a telematics system, and pedestrian detection which can provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability car insurance - This coverage can cover injuries or damage you cause to people or other property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage - This covers damage to your Ford resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Explorer can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive car insurance - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses - Coverage for medical payments and/or PIP pay for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.

How Much are Ford Explorer Insurance Rates?