Cheaper 1998 Ford Expedition Insurance Quotes

Looking for the cheapest insurance rates for your Ford Expedition? Sick and tired of robbing Peter to pay Paul each month for insurance? You’re in the same situation as many other consumers.

With so many choices, it is very difficult to pick the lowest price company.

It is always a good idea to take a look at other company’s rates yearly since insurance rates change quite often. Even if you think you had the lowest premium rates for Expedition coverage two years ago the chances are good that you can find a lower price today. Forget all the misinformation about insurance because you’re going to get a crash course in the tricks you need to know to save money, get proper coverage and the best rates.

Finding affordable coverage is easy if you know what you’re doing. Basically, every driver who buys auto insurance should be able to reduce their rates. But drivers must learn the methods companies use to market insurance on the web and apply this information to your search.

Compare insurance coverage quotes online

Effectively comparing insurance coverage prices can take time and effort if you aren’t aware of the most efficient way to do it. You could spend the better part of a day talking to insurance agencies in your area, or you could use online quotes to maximize your effort.

Most major companies participate in a marketplace that allows shoppers to submit their information once, and every company returns a competitive quote determined by their information. This saves time by eliminating quotation requests for each company.

To access this free quoting program, click to open in new window.

The only downside to comparing rates this way is you don’t know exactly which companies you want pricing from. If you prefer to choose from a list of companies to compare, we put together a list of insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use nearly identical quote information for every company. If you compare different data it will be impossible to make a fair rate comparison. Just a small difference in coverages may cause a big price difference. Keep in mind that having more price comparisons provides better odds of finding the best offered rates. Some companies don’t provide online rate quotes, so you should also compare price quotes from those companies as well.

Big brands don’t always mean big savings

Big name companies like State Farm, Geico and Progressive endlessly run ads on television and other media. They all seem to make an identical promise that drivers will save a bundle just by moving your policy. It sounds good, but how can they all cost less than your current company? This is how they do it.

All companies offer their best rates for the driver that earns them the highest profit. A good example of a preferred risk may need to be a female over age 40, insures multiple vehicles, and has a high credit rating. Anyone that matches those criteria gets the lowest prices and most likely will save money with a new company.

Insureds who do not match this ideal profile will be charged higher rates which leads to the customer not purchasing. If you listen closely, the ads state “people that switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make claims that they all have the best premium rates. Different companies use different criteria so you absolutely need to get insurance quotes as often as possible. It is impossible to guess which insurance companies will fit you best based on your risk profile.

Lower rate quotes with these discounts

Some insurers do not list the entire discount list in a way that’s easy to find, so the following is a list of both the well known in addition to some of the lesser obvious credits available to bring down your rates. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

• Discounts for Good Drivers – Drivers who don’t get into accidents may save up to 50% more for Expedition coverage than drivers with accidents.
• More Vehicles More Savings – Drivers who insure all your vehicles on one policy can reduce the rates for all insured vehicles.
• Claim Free – Claim-free drivers pay less compared to policyholders that have many claims.
• Club Memberships – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
• Accident Waiver – Not a discount per se, but certain companies may permit one accident before hitting you with a surcharge if your claims history is clear prior to being involved in the accident.
• Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.

Drivers should understand that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and a partial list of their discounts are outlined below.

• State Farm has discounts for multiple policy, Drive Safe & Save, safe vehicle, good student, and defensive driving training.
• American Family offers discounts for mySafetyValet, good student, Steer into Savings, good driver, and multi-vehicle.
• Geico discounts include driver training, multi-vehicle, seat belt use, five-year accident-free, and multi-policy.
• 21st Century policyholders can earn discounts including theft prevention, homeowners, defensive driver, student driver, early bird, and automatic seat belts.
• Progressive offers premium reductions for multi-vehicle, continuous coverage, homeowner, good student, and online signing.

Before you buy a policy, ask every prospective company what discounts are available to you. A few discounts may not apply in every state. To see providers who offer online insurance coverage quotes, follow this link.

Car insurance can be complex

When it comes to choosing the best car insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out whether or not you might need professional guidance.

• Can I rate high risk drivers on liability-only vehicles?
• Do I have coverage when making deliveries for my home business?
• Do I need rental car coverage?
• Am I covered by my spouse’s policy after a separation?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Educate yourself about car insurance coverages

Learning about specific coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average car insurance policy.

Liability insurance

This protects you from injuries or damage you cause to other people or property in an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for 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 a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, repair costs for stationary objects, legal defense fees and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Collision coverage

This will pay to fix damage to your Expedition from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

In conclusion

In this article, we presented many tips how you can shop for 1998 Ford Expedition insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with the least-expected company. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

When buying insurance coverage, never skimp on coverage in order to save money. There are many occasions where an accident victim reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

Other resources

• Coverage Information (Progressive Insurance)
• Information for Teen Drivers (Geico)
• Bodily Injury Coverage (Liberty Mutual)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)