Sample Rates: 2014 FORD EXPLORER

2014 FORD EXPLORER: SAMPLE QUOTE

Insurance Rating Factors

Discounts Applied:

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.

Progressive Insurance Facts

1. Insurance Products: Progressive offers various insurance products, including auto insurance, home insurance, renters insurance, boat insurance, motorcycle insurance, RV insurance, and more. They are particularly known for their auto insurance offerings.
2. Snapshot Program: Progressive offers a usage-based insurance program called “Snapshot.” It involves installing a device in your vehicle that monitors your driving habits. Safe drivers can potentially earn discounts on their premiums based on their driving behavior.
3. Online and Mobile Presence: Progressive has a strong online and mobile presence, allowing customers to get quotes, purchase policies, and manage their accounts online.
4. Customer Service: Progressive provides customer service through phone, chat, and a network of local agents and service centers across the United States.
5. Progressive Direct: Progressive’s business model primarily involves selling insurance policies directly to consumers, although they also work with a network of independent insurance agents.
6. Size and Market Share: Progressive is one of the largest auto insurance companies in the United States. It competes with other major insurers such as GEICO and State Farm for market share.

Insurance facts: What is uninsured Motorist coverage?

Watch our Video Explanation HERE

Coverage for uninsured/underinsured motorists (often abbreviated as UM/UIM coverage) is an essential component of auto insurance that provides protection for you and your passengers in the event of an accident caused by a driver who either has no insurance (uninsured) or has insurance coverage insufficient to cover your damages (underinsured). Here are the key points to understand about this type of coverage:

1. Uninsured Motorist Coverage (UM):
   • Protection Against Uninsured Drivers: UM coverage steps in when you are involved in an accident with a driver who does not have auto insurance.
   • Hit-and-Run Incidents: It can also apply if you’re the victim of a hit-and-run accident where the at-fault driver cannot be identified.
   • Covers Medical Bills and Property Damage: UM coverage typically covers medical expenses, lost wages, and property damage caused by the uninsured driver.
2. Underinsured Motorist Coverage (UIM):
   • Protection Against Underinsured Drivers: UIM coverage comes into play when you’re in an accident with a driver who has insurance, but their coverage limits are not sufficient to pay for your injuries or property damage.
   • Fills the Coverage Gap: UIM coverage helps cover the gap between the at-fault driver’s insurance limits and your actual expenses.
   • May Include Bodily Injury and Property Damage: UIM coverage can include both bodily injury and property damage components, depending on your policy.
3. Optional Coverage: UM/UIM coverage is typically optional, but it’s highly recommended to include it in your policy. Without this coverage, you may be left with significant out-of-pocket expenses if you’re involved in an accident with an uninsured or underinsured driver.
4. Coverage Limits: Just like other types of auto insurance coverage, UM/UIM coverage has limits. You can choose the coverage limits that suit your needs and budget. Your policy will specify the maximum amount your insurance company will pay per person and per accident.
5. Stacking: In some states, you may have the option to “stack” UM/UIM coverage if you have multiple vehicles on the same policy. Stacking allows you to combine the coverage limits for each insured vehicle to potentially increase the amount available to you in case of a claim.
6. No-Fault States: In some no-fault auto insurance states, UM/UIM coverage may not be as common because the insurance system compensates injured parties through their own insurance, regardless of fault. However, it may still be available as an option.

What is the reputation of a 2014 FORD EXPLORER?

The 2014 Ford Explorer generally had a mixed reputation, with both positive and negative aspects to consider. Here’s an overview of its reputation in terms of key factors:

1. Performance: The 2014 Ford Explorer offered several engine options, including a base V6 and an available turbocharged EcoBoost four-cylinder engine. It was generally considered to have good acceleration and a smooth ride. However, some critics noted that the handling and steering might not be as engaging as some other SUVs in its class.
2. Interior: The Explorer had a spacious and comfortable cabin with three rows of seating. The materials used in the interior were of good quality, and there were several available tech features. It was often praised for its roomy and practical design. However, some criticized the third-row seat for being a bit tight for adult passengers.
3. Technology: The 2014 Explorer came with a range of available technology features, including the MyFord Touch infotainment system. While this system offered a variety of functions, it received mixed reviews for its complexity and occasional glitches.
4. Fuel Efficiency: Fuel efficiency for the Explorer varied depending on the engine and configuration. The base V6 engine was reasonable, but the turbocharged four-cylinder EcoBoost engine offered better fuel economy. However, in real-world driving, some owners found that the fuel efficiency might not always meet the EPA estimates.
5. Reliability: Reliability can vary by individual vehicle, but overall, the 2014 Explorer had a somewhat mixed reliability record. Some owners reported issues with the transmission, electronic systems, and other components. However, others had positive experiences with their vehicles.
6. Safety: The 2014 Explorer came with a range of safety features and earned good safety ratings in crash tests. This made it a popular choice for families.
7. Resale Value: The resale value of the 2014 Explorer can vary based on factors like mileage, condition, and location. Generally, SUVs tend to hold their value well, but the depreciation rate can be influenced by market demand.