How to Insure your Ford Expedition Max on the Cheap
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Buying insurance on your Ford Expedition Max might leave you feeling the same way.
Step One: Compare Multiple Rate Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. But now you can eliminate that hassle and buy online!
Getting online rate quotes for a Ford Expedition Max from all the major insurance companies is very easy and only requires you to enter your information once.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Expedition Max.
Step Two: Tried and True Ways to Save on Expedition Max Insurance
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Expedition Max that will also lower the rate you pay irregardless of which company you choose.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Drivers often have a false sense of safety when driving an SUV, and this results in more accidents in adverse weather conditions. Unfortunately every SUV owner pays higher insurance rates because of this.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- 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.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- For some reason, car theives target particular makes and models more than others. If your Expedition Max is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
Step Three: Make an Informed Buying Decision
Knowing which company to insure your Expedition Max with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Expedition Max. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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