Get Cheaper Ford Expedition EL Insurance in Three Steps
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But the reality is, you probably don't enjoy it and you think it costs too much. Cutting the check for each renewal on your Ford Expedition EL might give you the same feeling.
Step One: Compare Apples-to-Apples Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Now you can compare rates and buy a policy online!
Comparing apples-to-apples price quotes for your Ford Expedition EL is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
To find affordable coverage for your Ford Expedition EL, the first step is to click the link below and complete the short form.
Apples-to-Apples! When doing comparison quotes for your Expedition EL, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Insider Tips for Finding Cheaper Expedition EL Insurance
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- An SUV allows you to drive in snow and mud better than your average passenger car, and with that comes a higher risk of having an accident. So expect to pay a little more on car insurance.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
Step Three: Finalize your Policy Details
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Expedition EL with.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If the Ford Expedition EL is a new purchase and you already have car insurance, then you will have some coverage that extends to the vehicle. But if you let your old policy lapse or have never had coverage, you don't have any protection once you buy the vehicle. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Expedition EL won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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