Cheapest 1996 Ford Explorer Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Want cheaper car insurance rates for your Ford Explorer? No one in their right mind likes having to buy car insurance, especially knowing they are paying too much.
Because there are so many companies to choose from, it’s difficult to find the best car insurance company.
It’s a great practice to get comparison quotes at least once a year because rates are adjusted regularly by insurance companies. If you had the lowest price for Explorer coverage a couple years back you will most likely find a better rate today. There is too much inaccurate information about car insurance online, so with this article, you’re going to get the easiest ways to stop overpaying for insurance.
The easiest way to compare insurance rates in your area is to understand most of the bigger providers provide online access to give you rate quotes. The one thing you need to do is give them some information like if the car is leased, how much coverage you want, how you use your vehicles, and if it has an alarm system. The data is sent automatically to multiple companies and they return cost estimate immediately.
To compare multiple company rates now, click here and complete the quick form.
Best discounts on 1996 Ford Explorer coverage
Companies offering auto insurance don’t always publicize every discount in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden auto insurance savings.
- E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy online.
- Fewer Miles Equal More Savings – Fewer annual miles on your Ford could be rewarded with discounted rates on garaged vehicles.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
- Organization Discounts – Belonging to a qualifying organization could qualify you for a break on your policy for Explorer coverage.
- Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.
- Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Explorer coverage than drivers with accident claims.
Drivers should understand that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous.
Car insurance companies that possibly offer these discounts may include but are not limited to:
- Farmers Insurance
- State Farm
Before buying, ask each company what discounts are available to you. Some discounts might not apply in every state.
Tailor your coverage to you
When it comes to buying proper insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions might point out if you would benefit from an agent’s advice.
- Are rock chip repairs covered?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I covered if I drive in a foreign country?
- Does my 1996 Ford Explorer need full coverage?
- Do I need more liability coverage?
- Why am I required to get a high-risk car insurance policy?
- What is roadside assistance coverage?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
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Ford Explorer insurance premiums are calculated by many factors
An important part of buying insurance is that you know the different types of things that help determine the rates you pay for insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.
- One company can mean more discounts – The majority of insurance companies will give a discount to customers who buy several policies from them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to compare other company rates to ensure the best deal. Consumers may find better rates by splitting coverages up.
- More people means more accidents – Living in small towns and rural areas is a positive aspect when it comes to insurance. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
- Occupation reflects on rates – Did you know your occupation can influence how much you pay for insurance? Jobs such as lawyers, social workers and dentists are shown to have the highest average rates in part from high stress and lots of time spent at work. Other jobs such as pilots, historians and homemakers pay the least for Explorer coverage.
- Little extras can really add up – There are a ton of additional coverages that you can buy on your Explorer policy. Things like rental car reimbursement, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment when talking to your agent, but now you might not need them so remove them from your policy.
- Better credit means lower rates – Your credit score is a large factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. Therefore, if your credit history is low, you could pay less to insure your 1996 Ford Explorer by repairing your credit.
- Protect your assets with liability insurance – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
- Claim-free discounts can add up – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies award lower rates to policyholders who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.
Are you falling for claims of savings?
Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the ads make an identical promise that you’ll save big if you switch to them. How do they all claim to save you money?
All the different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a driver they prefer could be a mature driver, owns a home, and has a high credit rating. Any new insured who matches those parameters is entitled to the best price and therefore will save when switching.
Drivers who are not a match for these standards will be charged higher premiums and ends up with the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save money. That’s the way companies can truthfully advertise the way they do. That is why drivers should get quotes from several different companies. It is impossible to predict which company will give you the biggest savings on Ford Explorer insurance.
Coverages available on your policy
Understanding the coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.
Coverage for liability
This coverage will cover damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability coverage pays for claims like legal defense fees, loss of income, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from getting keyed, a broken windshield, theft and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
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 your collision coverage will kick in.
Collision can pay for claims like hitting a mailbox, driving through your garage door, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Medical expense insurance
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, EMT expenses, nursing services, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible
Protection from uninsured/underinsured drivers
This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Explorer.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
At the end of the day…
Low-cost 1996 Ford Explorer insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance providers don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits only to find out they didn’t have enough coverage. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.
In this article, we presented many tips how you can get a better price on insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the most savings is with a small local company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.
More information can be found below:
- Vehicle Size and Weight FAQ (iihs.org)
- Distracted Driving Statistics (Insurance Information Insitute)
- Credit and Insurance Scores (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)
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