Trying to find cheaper insurance for a new or used Ford Expedition EL can 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 and you need to know the proper way to quote coverages for a new or used Ford and locate the best price possible either online or from local insurance agents.
It’s a great practice to shop coverage around every six months because insurance rates go up and down regularly. Just because you had the lowest price for Expedition EL coverage six months ago a different company probably has better rates today. Ignore everything you know about car insurance because you’re about to learn one of the easiest ways to find better coverage at a better price.
If you currently have car insurance, you will be able to lower your premiums substantially using this information. Buying affordable car insurance coverage is quite easy. But vehicle owners do need to know how companies compete online and use this information to your advantage.
Save big with these discounts
Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Most are applied when you complete an application, but a few need to be requested specifically prior to getting the savings.
- Homeowners Pay Less – Owning a house can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
- Student Driver Training – Have your child take driver’s ed class if offered at their school.
- Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
- New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
- Defensive Driving Course – Taking a defensive driving course could save 5% or more if you qualify.
- Government Employees – Simply working for the federal government may qualify you for a discount for Expedition EL coverage depending on your company.
As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will help reduce the amount you have to pay.
How to Compare Car Insurance Rates
Most major insurance companies provide price estimates on the web. Getting online quotes is quite easy as you just type in your required coverages into a form. Behind the scenes, their system makes automated requests for reports for credit and driving violations and quotes a price determined by many factors.
Online price quotes makes it a lot easier to compare rates but the time it takes to visit a lot of sites and type in the same information can get tiresome after awhile. But it is imperative to get many rate quotes in order to get better prices.
There is a better way!
The easiest way to compare car insurance pricing uses one simple form to get prices from a bunch of companies at once. It saves time, requires less work, and makes price shopping online much easier to do. As soon as the form is sent, it is quoted and you are able to buy your choice of the quotes returned.
If a lower price is quoted, you can simply submit the application and buy the policy. It only takes a few minutes and you will know how your current rates stack up.
To quickly compare rates using this form now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend that you enter the coverages exactly as shown on your declarations page. This way, you are getting a rate comparison based on identical coverages.
Lesser-known factors impacting Ford Expedition EL insurance rates
An important part of buying insurance is that you know some of the elements that come into play when calculating your car insurance rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to much lower annual insurance costs.
- More performance means more cost – The type of vehicle you are buying insurance for makes a big difference in how high your rates are. The most favorable rates are for economy passenger models, but the cost you end up paying is determined by many additional factors. Due to the fact that the Ford Expedition EL is considered a standard SUV, insuring your vehicle will cost slighty more when compared to the average rates.
- Are you male or female? – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as reckless driving.
- Your car insurance rates can be influenced by your job – Did you know your job can affect your rates? Jobs such as real estate brokers, architects and financial analysts tend to pay higher average rates due to stressful work requirements and long work hours. Conversely, jobs such as pilots, engineers and homemakers have the lowest average rates for Expedition EL coverage.
- Being married can save on car insurance – Having a wife or husband can actually save you money on your car insurance policy. Having a significant other means you’re more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
- Pleasure use saves money – The more miles you rack up on your Ford in a year’s time the more you will pay for car insurance. Most companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Expedition EL can cost quite a bit. Double check that your car insurance policy is rated on how each vehicle is driven.
Don’t I need to talk to an agent?
Some people prefer to get advice from a local agent and that is just fine! One of the great benefits of comparing insurance prices online is that you can obtain better rates but also keep your business local. And supporting local agencies is important especially in smaller rural communities.
After filling out this quick form, your information is immediately sent to agents in your area who will battle to get your business. You don’t have to drive around because quoted prices will be sent directly to your email. How cool is that?! You’ll get the best rates and an insurance agent to talk to.
Multiple types of auto insurance agents
When searching for local agents, there are two different types of agents to choose from. Agents are classified as either independent (non-captive) or captive.
Independent Insurance Agents
Independent agents do not work for one specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency.
When searching for an agent, we recommend you get quotes from several independent insurance agents to have the most options to choose from.Many can place coverage with smaller companies who may have lower rates.
Agency Captives
Captive agencies can only write with one company and some examples include State Farm or Allstate. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. They receive extensive training in insurance sales and that can be a competitive advantage. Some people will only purchase coverage from captives mainly due to loyalty to the company and solid financial strength.
For a complete listing of insurance agencies, click here.
Choosing a car insurance agent requires more thought than just the price. Some important questions to ask are:
- Are you getting all the discounts the company offers?
- Can glass repairs be made at your home?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Who is covered by the car insurance policy?
- Are they able to influence company decisions when a claim is filed?
- How long have they worked with personal auto insurance coverage?
Upon getting acceptable answers and an affordable coverage quote, you may have just found an insurance agency that can properly service your car insurance policy.
Final thoughts
In this article, we covered a lot of techniques to lower your Ford Expedition EL insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with a smaller regional carrier.
Cheap Ford Expedition EL insurance can be bought on the web as well as from independent agents, so you should compare both so you have a total pricing picture. A few companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.
When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where someone sacrificed full coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
