What is my neighbor paying for their 2013 Ford Explorer?
Auto-Full Coverage, 2013 Ford Explorer
See a sample rate for a Male Driver / Single 59 year old with Few Violations – Full Coverage.
2013 Ford Explorer: SAMPLE QUOTE
|Coverages and Other Factors|
|Coverage Type: Full Coverage|
|Number of Vehicles on Policy: 1|
|Year/Make/Model: 2013 Ford Explorer|
|Ownership Status: Own/Paid Off|
|Rental Coverage: No|
|More Auto Coverage Details|
|Insurance Company: Progressive Insurance Company|
|Liability Limits: $25,000 each person / $50,000 each accident / $25,000 Property Damage|
|Uninsured Motorist: Rejected|
|Underinsured Motorist: Rejected|
|Medical Payments: Rejected|
|Comprehensive/Collison Deductible: $1,000 Deductible|
Insurance Rating Factors
State: Colorado Springs, Colorado
Age Group: Late 50’s
Legal Marital Status: Single
Prior Insurance: Yes
SR-22: Not Required
Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real quote.
What Is Comprehensive Coverage In Auto Insurance?
Comprehensive coverage, also known as “comp coverage” or “other than collision coverage,” is a type of auto insurance coverage that helps protect your vehicle against various non-collision-related risks and damages. While collision coverage typically covers damages resulting from accidents with other vehicles or objects, comprehensive coverage extends protection to a broader range of incidents that can cause damage to your vehicle. This type of coverage is optional in most states but might be required if you have a car loan or lease.
Comprehensive coverage usually covers the following types of events:
- Theft: If your vehicle is stolen, comprehensive coverage can help reimburse you for the value of your vehicle.
- Vandalism: If your car is intentionally damaged by vandals, such as broken windows or slashed tires, comprehensive coverage can pay for repairs.
- Natural Disasters: Comprehensive coverage can provide protection against damage caused by natural disasters like earthquakes, floods, hurricanes, tornadoes, and wildfires.
- Falling Objects: If an object, like a tree branch or a rock, falls onto your vehicle and causes damage, comprehensive coverage can help cover the repair costs.
- Animal Collisions: If you collide with an animal, such as a deer, comprehensive coverage can help cover the damages to your vehicle.
- Fire: If your vehicle is damaged by a fire, whether accidental or intentional, comprehensive coverage can help with the repair costs.
- Glass Damage: If your windshield or other windows are cracked or shattered, comprehensive coverage can pay for their repair or replacement.
- Civil Disturbances: Damage caused by civil unrest or riots is typically covered by comprehensive insurance.
It’s important to note that comprehensive coverage usually comes with a deductible, which is the amount you need to pay out of pocket before your insurance coverage kicks in. You can choose your deductible amount when setting up your auto insurance policy, and higher deductibles often result in lower insurance premiums.
Keep in mind that comprehensive coverage is not designed to cover damages resulting from collisions with other vehicles or objects. For those types of incidents, you would need collision coverage. Many drivers choose to have both comprehensive and collision coverage to provide a more comprehensive level of protection for their vehicles.
Why Should I Consider Paying An Auto Insurance Policy In Full?
Paying for an auto insurance policy in full, rather than opting for a monthly payment plan, can have several benefits. Here are some reasons to consider paying your auto insurance policy in full:
- Discounts and Savings: Many insurance companies offer a “paid-in-full” discount for policyholders who pay their entire premium upfront. This discount can result in significant savings compared to paying in monthly installments.
- Avoiding Monthly Fees: Some insurance companies charge administrative fees for processing monthly payments. By paying in full, you can avoid these fees and save money over the course of the policy term.
- No Monthly Billing Hassles: Paying your insurance in full means you won’t have to worry about making monthly payments or keeping track of due dates. This can simplify your finances and reduce the risk of missed payments.
- Potential Credit Score Benefits: If your credit score is a factor that affects your insurance rates, consistently paying your policy in full can demonstrate responsible financial behavior and potentially have a positive impact on your credit history.
- Discount Stacking: Some insurers allow you to combine multiple discounts, such as safe driver discounts and paid-in-full discounts, which can lead to even more savings on your policy.
- Peace of Mind: Once you’ve paid for your policy in full, you won’t need to worry about insurance payments for the duration of the policy term. This can provide peace of mind and one less thing to manage in your monthly budget.
- Flexible Payment Options: If you have the financial means to pay for your policy upfront, you may have the flexibility to choose the payment method that works best for you, such as using a credit card or writing a check.
However, it’s important to note that paying for your auto insurance policy in full might not be feasible for everyone. Some people prefer the convenience of monthly payments, especially if it helps them manage their cash flow more effectively. Additionally, if paying in full would strain your finances or cause financial hardship, it might be better to opt for a monthly payment plan.
Before making a decision, it’s a good idea to compare the total cost of paying in full with the cost of monthly payments, taking into account any discounts and fees. Consider your budget, financial goals, and the overall convenience of each option to determine what works best for you.
What Is the Reputation of a 2013 Ford Explorer?
The 2013 Ford Explorer generally had a mixed reputation. It’s important to note that opinions on vehicle models can vary widely based on individual experiences, preferences, and factors like maintenance and usage history. Here are some aspects of the 2013 Ford Explorer’s reputation:
- Modern Design: The 2013 Ford Explorer underwent a redesign that introduced a more modern and car-like design compared to its previous body-on-frame construction.
- Spacious Interior: The Explorer’s cabin was known for being spacious, providing ample seating for up to seven passengers and a comfortable ride.
- Available Features: The 2013 Explorer offered a range of available features and technology options, including Ford’s SYNC infotainment system.
- Safety: The Explorer typically came equipped with a variety of safety features, including airbags, stability control, and available advanced safety technologies.
- Reliability Concerns: Some owners reported reliability issues, including problems with the transmission, engine, and electrical components. These issues could lead to costly repairs and potential inconvenience.
- Fuel Economy: The 2013 Explorer’s fuel economy was not particularly impressive for its class, especially for those with the V6 engine.
- Third-Row Space: While the Explorer had a third-row seat option, it was often criticized for being less spacious and comfortable compared to some of its competitors.
- Infotainment System Issues: The SYNC infotainment system could be prone to glitches and difficulties, which could impact the user experience.
- Resale Value: The Explorer’s resale value might not have been as strong as some other vehicles in its class, potentially leading to lower resale prices.
When considering a used 2013 Ford Explorer, it’s crucial to do thorough research and consider factors such as the vehicle’s maintenance history, mileage, and any potential recalls that might affect it. Reading reviews from both experts and actual owners can provide valuable insights into the real-world ownership experience. Additionally, having a pre-purchase inspection performed by a trusted mechanic is recommended to identify any potential issues before making a purchase decision.
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