Texas drivers have options when trying to find low-cost Ford Explorer insurance. They can either spend hours driving around getting price quotes or leverage the internet to make rate comparisons. There are both good and bad ways to shop for auto insurance and you need to know the absolute fastest way to get price quotes for a new or used Ford and get the lowest price either online or from Texas insurance agents.
You need to price shop coverage quite often due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best rates on Explorer insurance a couple years back you can probably find a better price now. Starting right now, forget all the misinformation about auto insurance because you’re going to learn the proper way to reduce your cost while increasing coverage.
Finding the best rates is not rocket science. If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. But Texas consumers must understand how the larger insurance companies sell insurance online and take advantage of how the system works.
More discounts equal less premium
Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving.
- Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
- Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Explorer insurance than their less cautious counterparts.
- Discount for Life Insurance – Some companies give lower rates if you buy life insurance.
- Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Keep in mind that most credits do not apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.
It’s not one size fits all
When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.
For example, these questions may help you determine whether you might need professional guidance.
- Who is covered when they drive my Ford Explorer?
- Do I need special endorsements for business use of my vehicle?
- What if I don’t agree with a claim settlement offer?
- I have good health insurance, so how much medical payments coverage do I need?
- Does liability extend to a camper or trailer?
- Do I need added coverage for expensive stereo equipment?
- Is my Ford Explorer covered for flood damage?
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Even more information is available at the Texas Department of Insurance website. Texas consumers can read industry bulletins, read enforcement actions against agents and companies, and view a list of available companies.
Compare but don’t skimp
We just covered many ideas to compare Ford Explorer insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a small local company.
Low-cost Ford Explorer insurance can be sourced online in addition to many Texas insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone sacrificed full coverage to discover at claim time they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.