Are you sick and tired of paying out the nose to insure your Ford every month? You are in the same boat as most other car owners. Big companies like GEICO, Farmers Insurance and State Farm promote their brand names with fancy advertisements and consumers find it hard to see through the deception and do the work needed to find the best deal.
You should take the time to compare rates quite often because insurance rates trend upward over time. Even if you think you had the best deal on Excursion coverage last year you may be paying too much now. There is a lot of bad information regarding auto insurance on the web, but we’re going to give you some great ways to find affordable auto insurance.
Do you qualify for discounts?
Auto insurance companies do not list every discount very clearly, so we break down both the well known and also the lesser-known ways to save on auto insurance. If you’re not getting every credit possible, you are paying more than you should be.
- Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Excursion coverage than drivers with accident claims.
- Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Discount for Swiching Early – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
- Homeowners Pay Less – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
- Senior Discount – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates on Excursion coverage.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
- One Accident Forgiven – A few companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
Consumers should know that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.
To choose companies offering auto insurance discounts, click here to view.
Affordable insurance is out there
As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice physical damage coverage only to regret they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.
Cost effective Ford Excursion insurance can be found from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not provide online price quotes and these small insurance companies work with independent agents.
