View 1999 Ford Expedition Insurance Quotes

Looking for lower insurance coverage rates for your Ford Expedition? Are you kicking yourself for buying an overpriced insurance coverage policy? Trust us, you’re not the only one.

Due to the increasing number of insurance coverage companies to choose from, it can be hard to pick a lower cost insurance coverage company.

Buying car insurance is quite easy. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. But car owners can benefit from knowing how big insurance companies market on the web and use this information to your advantage.

How to get low cost car insurance

There are several ways to compare rate quotes from many car insurance companies in your state. The best way to find the lowest Ford Expedition rates is to use the internet to compare rates. This is quite simple and can be completed in a couple minutes as outlined below.

Hands down the most simple method consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for multiple quote forms for every car insurance company. A single form gets rate comparisons from many national carriers.

A harder way to find better pricing requires a visit to the website of each company and get a separate price quote. For sake of this example, let’s say you want to compare Auto-Owners, Allstate and GEICO. You would need to spend time on each company’s site and enter your policy data, and that explains why we recommend the first method.

For a handy list of car insurance company links in your area, click here.

However you get your quotes, make sure you compare equivalent coverage limits for each comparison quote. If each company quotes different values for each quote it will be next to impossible to make a fair rate comparison. Having just a slight variation in limits could skew the results. Just keep in mind that making a lot of price comparisons will improve the odds of getting a better price.

These discounts can reduce insurance rates

Some insurance providers don’t always list every discount they offer very well, so we break down some of the more common and the harder-to-find credits available to bring down your rates. If you’re not getting every credit you deserve, you could be getting lower rates.

  • Renewal Discounts – Some companies provide a discount for switching policies before your current coverage expires. You could save around 10% when you buy insurance coverage online.
  • Payment Method – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
  • Data Collection Discounts – Drivers who agree to allow companies to study driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they exhibit good driving behavior.
  • Resident Student – Children who are attending college and do not have a car can receive lower rates.
  • Drivers Education – Teen drivers should successfully complete driver’s ed class if it’s offered in school.
  • Defensive Driver – Taking time to complete a driver safety course is a good idea and can lower rates if you qualify.
  • Good Student – A discount for being a good student could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Homeowners Savings – Being a homeowner can earn you a little savings because owning a home demonstrates responsibility.

While discounts sound great, it’s important to understand that most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.

If you would like to choose from a list of companies who offer free insurance quotes, click here to view.

When do I need an agent’s advice?

When choosing adequate coverage, there really is not a perfect coverage plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether you may require specific advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is there coverage for injuries to my pets?
  • Is business equipment covered while in my vehicle?
  • Does coverage extend to my business vehicle?
  • Do I have coverage if my license is suspended?
  • Where can I find high-risk insurance?
  • Do I need more liability coverage?
  • Can I afford low physical damage deductibles?
  • Can I get a multi-policy discount?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance specifics

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Collision protection

Collision coverage covers damage to your Expedition from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Ford Expedition.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses such as prosthetic devices, dental work, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, hitting a deer, theft and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, court costs, bail bonds, funeral expenses 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.

Affordable insurance is out there

You just read a lot of ways to get a better price on 1999 Ford Expedition insurance. The key concept to understand is the more you quote insurance coverage, the better your comparison will be. You may even find the best price on insurance is with a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

When shopping online for insurance, do not buy poor coverage just to save money. In many instances, drivers have reduced liability limits or collision coverage and learned later that they should have had better coverage. Your objective should be to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

Additional insurance information can be found at the links below

Comments About 1999 Ford Expedition Insurance

  1. Louis Benson

    I think I’m paying too much. I’m just west of Grand Forks, ND. Quoted quotes from Amica, Nationwide, and Western Auto Insurance for my Expedition and saved just over $100 a year. Was with Nationwide. Hopefully won’t need it. I think I’ll get rid of full coverage next time.

  2. Shanika Frederick

    I live west of Pittsburgh, PA. Received rates from Allstate, AIG Insurance, Eastwood, and The General for my Expedition and I think I am saving around $30 each month. I got prices on the web. I’m thinking about dropping full coverage though.

  3. Rupert Lloyd

    I found pretty cheap rate quotes for a 1999 Ford Expedition in Des Moines, IA. Ended up at darn near $110 every six months with Auto-Owners.

  4. Brittanie Miranda

    If you don’t have tickets and live around Mesa, AZ, check out 21st Century. You might save some money. Have a couple speeding tickets too. It’s still not cheap enough. I dropped full coverage awhile back.

  5. Terrie Snow

    This is too expensive. I live east of Norfolk, VA. I compared lots of rates. Saved darn near $20 a month. State Farm was the best choice for me. God forbid I actually have a claim.

  6. Jeanie Underwood

    Is State Farm cheaper than Auto-Owners in Honolulu, HI?

  7. Daryl Figueroa

    I switched to State Farm. Quoted good rates in Davenport, IA. I even had a DUI years ago.

  8. Janice Hahn

    All companies are crooks. I live in Nashville, Tennessee. I got free prices from Auto-Owners, Mercury, and a few others for my Expedition and I think I am saving around $10 each month. Good multi-policy discounts. Just go online and compare their rates. Book value doesn’t justify full coverage anymore.

  9. Krystin Peters

    Thanks for putting this site together. I’m in Provo, UT. Quoted a bunch of companies. Saved darn near $20 a month. GEICO was the most affordable for me. Switched homeowners coverage too. Book value doesn’t justify full coverage anymore.

  10. Kelle Ayala

    Any Allstate or Farmers customers near Portland, ME?

  11. Jeremy Hopkins

    Does New Jersey require a SR-22 after a DUI?

  12. Rigoberto Hurley

    Progressive was cheapest for my 1999 Ford Expedition in Atlanta, GA.