Top 6 Ways to Get Lower Rates on Ford Expedition Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy. With so many companies to choose from, it can be impossible to find the most cost effective provider.

It is always a good idea to compare prices yearly because rates go up and down regularly. Even if you got the lowest price on Expedition insurance a few years ago there is a good chance you can find better rates now. Don’t believe everything you read about auto insurance online, so with this article, you’re going to get some solid techniques on how to save money.

This article will tell you how car insurance quotes work and some tips to save money. If you have car insurance now, you will most likely be able to save some money using these methods. Vehicle owners only need an understanding of the most effective way to compare rates online.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but some must be inquired about prior to getting the savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Good Student – This discount can save 20 to 25%. The discount lasts well after school through age 25.
  • Homeowners Savings – Simply owning a home may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will bring down your overall premium however.

For a list of insurance companies with the best auto insurance discounts, click here to view.

Everyone needs different coverages

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight if your insurance needs might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I rate my Ford Expedition as pleasure use or commute?
  • When would I need additional glass coverage?
  • What are no-fault laws?
  • Are there companies who specialize in insuring high-risk drivers?
  • Why am I required to buy high-risk coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I qualify for additional discounts?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Won’t my local insurance agent miss me?

Certain consumers prefer to buy from a local agent and that is just fine! Agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to. Supporting local agencies is important particularly in smaller communities.

By using this short form, your insurance data is instantly submitted to insurance agents who will give you bids for your insurance coverage. You don’t have to drive around due to the fact that quote results will go to your email. How cool is that?! insurance quotes

If you wish to contact a specific insurance agent in your state, click here.

Picking an provider shouldn’t rely on just a low price. Agents should be asked these questions:

  • How much will you save each year by using a higher deductible?
  • Does the company allow you to choose your own collision repair facility?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Is assistance available after office hours?
  • Do they regularly work with personal auto policies?
  • What are the financial ratings for the companies they represent?
  • Does the agency support the community they serve?

Upon receiving positive feedback to these questions and a low price estimate, you’ve probably found an insurer that is a good match to insure your vehicles.

Auto insurance policy coverages for a Ford Expedition

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, fire damage, hail damage, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for chiropractic care, hospital visits and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This covers damage to your Expedition caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, crashing into a building and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

insurance for Ford Expedition

Liability coverage pays for claims such as repair bills for other people’s vehicles, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Expedition.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Final considerations

When you buy insurance online, never buy less coverage just to save a little money. In many cases, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We covered many ideas to get a better price on Ford Expedition insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.