No one likes paying for car insurance, in particular when their premiums are too high. Drivers have so many insurance companies to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to locate the cheapest rates.
Consumers should take time to compare prices yearly since insurance rates are variable and change quite frequently. Just because you found the lowest price on Explorer Sport Trac coverage a couple years back you can probably find a better price now. Ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to find great coverage at a great price.
Take discounts and save
Insuring your vehicles can cost a lot, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you quote, but lesser-known reductions have to be requested specifically prior to receiving the credit. If they aren’t giving you every credit you deserve, you are paying more than you should be.
- Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Explorer Sport Trac coverage than drivers with accident claims.
- Paperwork-free – Some insurance companies will give a small break just for signing your application on their website.
- Claim Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
- Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
- Save over 55 – Older drivers may be able to get a discount up to 10% on Explorer Sport Trac coverage.
- Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
- Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
- More Vehicles More Savings – Insuring multiple cars or trucks with the same company could earn a price break for each car.
As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.
Automobile Insurance Quotes
Lowering your Ford Explorer Sport Trac car insurance rates is actually quite simple. All you need to do is take the time comparing rates online from several insurance companies. This is very easy and can be done using a couple different methods.
The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for each company you want a rate for. One form will return quotes .
A different way to compare rate quotes requires a trip to the website for each individual company and request a quote. For sake of this example, let’s assume you want rates from Allstate, State Farm and GMAC. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
It’s up to you which method you use, but ensure you’re using exactly the same information for each price quote. If you compare different liability limits it will be very difficult to determine the best price for your Ford Explorer Sport Trac.
Summing up your car insurance search
Lower-priced Ford Explorer Sport Trac insurance can be found from both online companies in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.
We just covered many ideas to save on Ford Explorer Sport Trac insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.
As you go through the steps to switch your coverage, never reduce needed coverages to save money. In many cases, someone sacrificed physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford while not skimping on critical coverages.
