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Ford Explorer Sport Insurance Rates

Buying auto insurance by comparing rates online can be fast and easy and there is a good chance you might just save a little. The most important part is getting rates from all providers so you can get all your choices.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online companies vying for your business. Getting cheaper insurance rates can be quick and easy. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

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Auto insurance rates paid to insure a Ford Explorer Sport can be significantly different depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Where you live
  • Annual mileage can affect rates
  • Male rates may be higher
  • Low deductibles cost more
  • Safety rating of your Explorer Sport
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you own your home

A final factor that helps determine Explorer Sport insurance rates is the model year. New vehicles cost more in comparison to later models so the cost to replace them may end up costing you more. On the flip side, newer vehicles may have a trim level with safety features like a backup camera, dual-stage airbags, and an advanced theft deterrent system that may help give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance

This coverage can cover damage that occurs to a person or their property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your Ford from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper Explorer Sport insurance rates.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Ford Explorer Sport comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Explorer Sport Insurance Rates?