Cheapest 1991 Ford Explorer Insurance Rates in 2024

Searching for cheaper car insurance rates for your Ford Explorer? If online car insurance comparisons are new to you, you can be overwhelmed by the vast number of car insurance companies competing for business.

The best way we recommend to compare car insurance rates is to know most insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is take a few minutes to give details such as how much education you have, how much you drive, your job, and if you require a SR-22. The data is then submitted to many of the top insurers and you should receive rate quotes very quickly.

To find lower rates now, click here then complete the form.

When might I need an agent?

When it comes to choosing the best auto insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

• Why am I required to buy liability insurance?
• Does car insurance cover theft of personal property?
• Do I need motor club coverage?
• Am I covered if I wreck a rental car?
• Is my state a no-fault state?
• Am I covered when driving in Canada or Mexico?
• Does my car insurance cover rental cars?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy specifics

Having a good grasp of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, driving through your garage door, colliding with a tree, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Explorer.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as attorney fees, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like funeral costs, prosthetic devices, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, a broken windshield, hitting a bird and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Use our FREE quote tool to compare rates now!