Cheap 1997 Ford Expedition Insurance Quotes

If you are a novice to online insurance shopping, you can easily be bewildered due to the large selection insurance agents and companies who all claim to have the lowest rates.

How your Expedition insurance rates are determined

Many different elements are used in the calculation when pricing auto insurance. Most are fairly basic such as traffic violations, although some other factors are more obscure like your vehicle usage or how financially stable you are.

  • Reserve insurance coverage claims for larger damages – Auto insurance companies give better rates to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is designed for major claims that would cause financial hardship.
  • Low physical damage deductibles can be expensive – Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your Ford. Examples of some claims that would be covered would be running into the backend of another car, hitting a deer, or theft. The deductibles define how much the insured will be required to pay if a claim is determined to be covered. The more of the claim you have to pay, the better rate you will receive for Expedition insurance.
  • Men tend to take more risk – Over time, data shows that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Females and males are responsible for auto accidents at about the same rate, but the males cause more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Males from age 16 to 21 cause the most accidents so it costs more to insure them.
  • Youthful drivers pay more – Beginning drivers tend to be inattentive when at the wheel of a vehicle so they pay higher insurance coverage rates. Mature drivers have been proven to be more responsible, are lower risk to insure .
  • Lower rates with a multi-policy discount – Most insurance companies give lower prices to insureds who have multiple policies with them. It’s known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even with this discount applied, it’s always a smart idea to compare other company rates to make sure you are getting the best deal.
  • Drive less and save – The more you drive each year the more you’ll pay to insure your vehicle. Most companies calculate prices based upon how you use the vehicle. Cars and trucks that have low annual miles get more affordable rates than those that get driven frequently. Having an incorrect usage rating on your Expedition is just wasting money. Verify your vehicle rating is showing the right rating data.

Drivers can save with with these discounts

Not many people think insurance is cheap, but you may be missing some discounts that many consumers don’t even know exist. Certain discounts will be applied at the time of purchase, but some need to be asked about before they will apply.

  • Paper-free Discount – A handful of companies may give you up to $50 shop insurance coverage online.
  • Early Signing – A few insurance companies offer discounts for switching companies before your current coverage expires. This discount can save up to 10%.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
  • Use Seat Belts – Forcing all vehicle occupants to wear their seat belts could save 15% on medical payment and PIP coverage.
  • Low Mileage – Maintaining low annual mileage can qualify you for slightly better premium rates than normal.
  • Discounts for Multiple Vehicles – Buying coverage for several vehicles with the same insurance coverage company qualifies for this discount.
  • Employee of Federal Government – Active or former government employment may qualify for a discount when you quote insurance coverage for Expedition insurance but check with your company.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Onboard Data Collection – Drivers that enable data collection to spy on driving manner through the use of a telematics system like Allstate’s Drivewise could see a rate decrease if they have good driving habits.

Remember that most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount should help lower the cost of your policy.

Large insurance coverage companies and some of the premium reductions they offer include:

  • Progressive discounts include good student, homeowner, multi-vehicle, continuous coverage, online signing, multi-policy, and online quote discount.
  • Farmers Insurance may have discounts that include electronic funds transfer, switch companies, pay in full, multi-car, bundle discounts, and mature driver.
  • Farm Bureau offers discounts including multi-policy, renewal discount, driver training, multi-vehicle, youthful driver, 55 and retired, and safe driver.
  • State Farm policyholders can earn discounts including good student, good driver, anti-theft, safe vehicle, and multiple autos.
  • GEICO may offer discounts for membership and employees, multi-policy, defensive driver, emergency military deployment, anti-theft, and seat belt use.
  • SAFECO may include discounts for homeowner, teen safe driver, teen safety rewards, anti-theft, safe driver, and accident prevention training.
  • Liberty Mutual offers premium reductions for multi-policy, new vehicle discount, multi-car, hybrid vehicle, and newly married.

Before buying, ask every insurance company the best way to save money. Some credits may not be available in every state. To find insurers with the best insurance coverage discounts, click this link.

Insurance coverage myths debunked

Popular insurance coverage providers such as State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. All the ads say the same thing that you’ll save big if you switch your policy. How is it plausible that every one can charge you less for car insurance?

Most companies offer their best rates for the type of customer that earns them the highest profit. For example, a profitable insured may need to be between 30 and 50, has no tickets, and drives newer vehicles. Anybody that hits that “sweet spot” gets the lowest premium rates and most likely will save when they switch companies.

People who do not meet those standards will have to pay a higher premium and ends up with business not being written. The wording the ads use say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make those statements.

Because of this risk profiling, you need to get as many free insurance coverage quotes as possible. Because without a comparison, you cannot know which company will have the lowest rate quotes.

Your situation helps dictate your coverage

When buying proper insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that can help discover if you will benefit from professional help.

  • Should I buy full coverage?
  • Is my babysitter covered when using my vehicle?
  • Should I sign the liability waiver when renting a car?
  • When can I cancel my policy?
  • How much can I save by bundling my policies?
  • Am I covered when driving on a suspended license?
  • If my 1997 Ford Expedition is totaled, can I afford another vehicle?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Knowing the specifics of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision protection

This coverage pays for damage to your Expedition from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Expedition.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, hospital visits, EMT expenses, surgery and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hail damage and falling objects. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Do the work, save more money

We just showed you many ideas to compare 1997 Ford Expedition insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the lowest priced auto insurance comes from an unexpected company.

Consumers switch companies for a number of reasons such as policy cancellation, lack of trust in their agent, questionable increases in premium and not issuing a premium refund. No matter why you want to switch, switching companies is not as difficult as it may seem.

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced collision coverage only to find out that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while still protecting your assets.

To read more, take a look at these articles:

Comments About 1997 Ford Expedition Insurance

  1. Holli Boyle

    I got a good deal I think. I’m in the suburbs of Idaho Falls, Idaho. Quoted prices from American Family, Mercury, and some smaller one I can’t remember the name of for my Expedition and I think I am saving around $10 each month.

  2. Marya Travis

    Just my two cents. I’m in Newark, Delaware. I quoted with Hartford, AAA, Sentry, and a couple others for my Ford and saved $104 a year. God forbid I actually have a claim. Anyone else drop full coverage?

  3. Antione Jordan

    I live just to the west of Kansas City, KS. Went online for free insurance quotes for a 1997 Ford Expedition. Ended up at about $70 savings annually. Went with 21st Century. It never hurts to quote around. When should I drop full coverage?

  4. Natacha Bates

    I’m in the east part of Lincoln, NE. Don’t remember every company but I ended up saving about $20 each month.

  5. Babara Cooley

    How are claims handled by State Farm around Concord, New Hampshire?

  6. Shantel Osborne

    Checking in from Columbus, OH. Went online for free insurance quotes for a 1997 Ford Expedition. Ended up at about $90 savings annually. Went with Progressive. Are quotes cheaper online?

  7. Tatum King

    I live east of Hilo, Hawaii, and Allstate rates were best. I just quoted rates online. Book value doesn’t justify full coverage anymore.

  8. Ashley Michael

    From Lewiston, Maine, and Allstate rates were best. I get multi-vehicle and multi-policy discounts. Can still barely afford it.

  9. Josephina Mack

    Hope my rates come down. From a town just southwest of Columbus, Georgia. Quoted with American Family, Nationwide, and some smaller one I can’t remember the name of for my Expedition and saved just over $80 a year. Insured with Western Auto Insurance before. Wish I didn’t have to insure at all. I just carry liability insurance.

  10. Colin Burks

    Not sure what I should be paying. I’m in Las Vegas, NV. Received prices from USAA, AIG Insurance, The General, and MetLife for my Ford and I’m now saving $12 a month. Thankfully I’m not a high risk driver. Are quotes cheaper online? My Expedition doesn’t have full coverage.

  11. Ryan Mcmahon

    I’ve had State Farm for years. I’m in Kansas City, Missouri.

  12. Sharon Woodward

    I switched to 21st Century. Quoted good rates in Worcester, MA. A clean driving record helps. I just quoted rates online. I just carry liability insurance.