Searching for better insurance prices for a new or used Ford Expedition can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to get price quotes for a new or used Ford and locate the lowest possible price either online or from local insurance agents.
It’s smart to get comparison quotes quite often due to the fact that insurance prices go up and down regularly. If you had the lowest price for Expedition coverage at your last renewal there may be better deals available now. You can find a lot of information about car insurance out there, but in a few minutes you can learn some guaranteed methods to reduce your car insurance bill.
If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Pricing the best protection is quite easy. But car owners need to learn the methods companies use to market insurance on the web and take advantage of how the system works.
Performing a rate comparison can take hours if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use the internet to achieve your goal.
Most of the best insurance companies are enrolled in a marketplace that enables customers to complete one form, and each company returns a rated price. This saves time by eliminating quote forms for each company. To get comparison pricing now click here to open in new window.
The only drawback to pricing coverage this way is that you can’t choose which carriers you want to price. So if you prefer to choose individual companies for rate comparison, we have a page of companies who write car insurance in your area. Click to view list.
It’s your choice how you get your quotes, but be sure you’re using the same coverage information for every company. If your comparisons have different values for each quote it will be next to impossible to truly determine the lowest rate. Just slight variations in insurance coverages can make a big difference in price. And when price shopping your coverage, comparing more quotes increases the change that you will find the best price.
Cheaper car insurance quotes with discounts
Some insurance providers don’t always publicize every disount available very clearly, so the list below contains a few of the more common as well as the least known ways to save on car insurance.
- Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
- Accident-Free Discounts – Drivers who stay claim-free pay less compared to policyholders that have many claims.
- Multi-policy Discount – If you can combine your home and auto policy and place coverage with the same company you may earn up to 20% and get you .
- E-sign – Some of the larger companies provide a small discount for signing up over the internet.
- Discount for Swiching Early – Some car insurance companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
- Safety Course Discount – Taking part in a defensive driver course is a good idea and can lower rates and easily recoup the cost of the course.
- Discount for Low Mileage – Driving less may enable drivers to earn cheaper prices.
- Telematics Data Discounts – Drivers that enable their car insurance company to track their driving habits by using a small device installed in their vehicle like Allstate’s Drivewise might get better premium rates if they exhibit good driving behavior.
- Discount for New Cars – Putting car insurance coverage on a new car can save up to 30% because newer models have to meet stringent safety requirements.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.
As a footnote on discounts, most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will definitely lower your car insurance premiums.
A few companies that may offer policyholders most of the discounts above possibly include:
Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. Some credits might not be offered on policies in every state. To see a list of insurers that offer many of these discounts, click this link.
Local car insurance agents
A lot of people just want to sit down with an agent and doing that can be a smart decision The biggest benefit of comparing rate quotes online is that drivers can save money and get the best rates and still have an agent to talk to.
After completing this quick form, your coverage information is submitted to local insurance agents who want to provide quotes for your car insurance coverage. You don’t have to contact any insurance agencies as quotes are delivered directly to you. You can find lower rates and a licensed agent to talk to. If for some reason you want to quote rates for a specific company, you just need to search and find their rate quote page and submit a quote form there.
Picking the best insurer needs to be determined by more than just a cheap price quote. Any agent should have no problem answering these questions:
- Do they receive special compensation for putting your coverage with one company over another?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the agency have a current Errors and Omissions policy?
- Do they write coverage based solely on cost?
- How many years of experience in personal auto insurance do they have?
- If your car is totalled, how to they determine the replacement cost?
- Are they primarily personal or commercial lines agents?
Best auto insurance agent
If you need to find local agents, there are a couple of types of agencies and how they can service your needs differently. Insurance agencies can be classified as either independent or captive.
Captive Car Insurance Agents
These type of agents write business for a single company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot compare rates from other companies so always compare other rates. Captive agencies receive a lot of sales training on their company’s products which aids in selling service over price. Drivers often buy insurance from these agents primarily because of the prominence of the brand and the convenience of having all coverages with one company.
Independent Agents (or Brokers)
Independent insurance agents can sell policies from many different companies so as a result can place your coverage through many companies and get the cheapest rates. If you want to switch companies, an independent agent can move your coverage and you won’t have to switch agencies. If you are trying to find cheaper rates, we recommend you compare prices from multiple independent agents in order to compare the most rates. Many can place coverage with companies that do not advertise much that many times have cheaper rates.
To see available insurance agencies near you, here is a link to find a good car insurance agent.
When in doubt talk to an agent
When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.
These are some specific questions can help discover whether your personal situation may require specific advice.
- Can I afford to buy a different vehicle if my Ford Expedition is totaled?
- Is my vehicle covered by my employer’s policy when using it for work?
- Which companies will insure high-risk drivers?
- Does my Ford Expedition qualify for pleasure use?
- When should I remove comp and collision on my Ford Expedition?
- Am I covered when delivering products for my home-based business?
- When would I need rental car insurance?
- How much underlying liability do I need for an umbrella policy?
- What discounts do I qualify for?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Specific coverage details
Understanding the coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Liability
This coverage can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
Collision coverage protection
Collision insurance pays for damage to your Expedition caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.
Comprehensive car insurance
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as hitting a bird, hail damage and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for bills for doctor visits, funeral costs, prosthetic devices and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Ford Expedition.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Quote more, save more
Drivers switch companies for a variety of reasons including policy non-renewal, not issuing a premium refund, unfair underwriting practices or even delays in paying claims. Whatever your reason, finding a great new company is less work than it seems.
As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed collision coverage only to regret that they should have had better coverage. Your strategy should be to find the BEST coverage at the best price but still have enough coverage for asset protection.
Throughout this article, we presented a lot of ways to reduce Ford Expedition insurance auto insurance rates online. The key thing to remember is the more you , the more likely it is that you will get a better rate. You may even discover the best auto insurance rates are with the least-expected company.
