Vehicles > Ford > Explorer Sport Trac

Ford Explorer Sport Trac Insurance Quotes

Finding cheaper car insurance online can be fast and easy, plus you will probably save money. The most important part is getting as many rate quotes as possible in order to accurately compare every possible rate.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes and find the best price. The best way to find the cheapest Explorer Sport Trac insurance cost is to perform an online rate comparison. This can be done by getting a quick quote here.

FREE Car Insurance Comparison

Premiums are calculated by these factors

Insurance rates for a Ford Explorer Sport Trac can be significantly different depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • The size of your community
  • How many miles you drive
  • Your gender can raise or lower rates
  • The deductible you choose
  • Crash test rating for your Explorer Sport Trac
  • Your profession
  • Insurance coverage level
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Ford is the year of manufacture. Models that are a few years old have a lower value so repair costs tend to be lower which may result in lower rates. Although newer models may have options included like forward-collision avoidance, tire pressure monitors, and autonomous braking that may help help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverage

This coverage protects you from damage or injury you incur to other people or property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage protection

This pays for damage to your Ford caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Explorer Sport Trac collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper Explorer Sport Trac insurance quotes.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are Ford Explorer Sport Trac Insurance Rates?