Cheap 2000 Ford Excursion Car Insurance Rates

Searching for the cheapest insurance rates for your Ford Excursion? Price shopping your Driversinsurance might be kind of frustrating for drivers new to online insurance quotes. Since there are so many online companies available, it can quickly become a chore to compare prices.

If you are paying for car insurance now, you will be able to cut costs considerably using this information. Shopping for cheaper coverage is not that difficult. But drivers must comprehend the way insurance companies price insurance differently and apply this information to your search.

Discounts can really help lower rates

Companies offering auto insurance don’t always advertise the entire discount list in a way that’s easy to find, so we break down both well-publicized and the harder-to-find discounts that may be available. If you aren’t receiving every discount you qualify for, you may be paying too high a price.

• First Accident Forgiveness – Not necessarily a discount, but companies like Allstate, Progressive, and Geico will turn a blind eye to one accident before they charge you more for coverage as long as you don’t have any claims for a certain period of time.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the PIP or medical payment premium.
• Defensive Driving Course – Completing a class that teaches defensive driver techniques could possibly earn you a 5% discount and also improve your driving technique.
• Discount for Swiching Early – Some insurance companies give discounts for renewing your policy before your current policy expires. Ten percent is about the average savings.
• More Vehicles More Savings – Buying insurance for several vehicles with the same company can get a discount for every vehicle.

Drivers should understand that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you could get a free insurance policy, you’re out of luck. But any discount will reduce your policy premiums.

If you would like to see a list of providers that offer discounts, click here.

How to shop car insurance online

Performing a rate comparison can take hours if you don’t utilize the fastest way to get free quotes. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use the web for quick rates.

Most of the larger companies belong to a marketplace that enables customers to only type in their quote data once, and at least one company returns a rated price based on that information. This prevents consumers from doing repetitive form submissions for every car insurance company.

To find out how much you can save on car insurance click here to open in new window.

The single downside to using this type of form is you are unable to specify which insurance companies to get pricing from. So if you want to select specific insurance companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just try to use identical coverage information with every price quote. If you use different liability limits it will be next to impossible to find the best deal for your Ford Excursion. Just a small difference in limits can mean a large discrepancy in price. Keep in mind that comparing more rates from different companies increases your odds of finding a lower rate.

Why you might pay higher rates

Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but others are less apparent such as your credit history or how safe your car is.Consumers need to have an understanding of a few of the rating criteria that go into determining insurance rates. If you have some idea of what determines premiums, this enables you to make decisions that may reward you with lower rates.

The following are a few of the things companies use to determine your rates.

• Teenagers vs. experienced drivers – Older insureds are shown to be more cautious, are lower risk to insure and are safer drivers.Drivers with little experience are statistically proven to be careless and easily distracted when behind the wheel and because of this, their insurance rates are much higher.
• Insurance companies don’t like frequent insurance claims – If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance companies provide lower rates to people that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for the large, substantial claims.
• Get better prices if you’re married – Walking down the aisle helps lower the price on your insurance policy. It usually means you are more mature and responsible and insurance companies reward insureds because married couples file fewer claims.
• Good drivers have lower costs – Good drivers tend to pay less for car insurance as compared to careless drivers. Having just one driving citation may cause rates to rise twenty percent or more. Drivers unfortunate enough to have severe violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
• Is you vocation costing you more? – Did you know your insurance rates can be affected by your occupation? Careers such as doctors, executives and accountants tend to have the highest average rates because of stressful work requirements and long work hours. On the flip side, professions such as professors, students and the unemployed pay lower than average rates on Excursion insurance.
• Alarm systems save money – Driving a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
• Higher rates for insurance lapses – Driving without insurance coverage in place can get your license suspended and you will pay a penalty because you let your coverage lapse. Not only will rates go up, not being able to provide proof of insurance can result in a steep fine or even jail time.
• Rental and towing coverage may not be needed – Insurance companies have many add-on coverages that can waste your money if you don’t pay attention. Coverages like rental car coverage, accident forgiveness, and term life insurance may not be needed and are just wasting money. They may seem like a good idea initially, but your money might be better spent on other coverage so remove them and pocket the money.

Will just any policy work for me?

When it comes to choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions can aid in determining whether or not you may require specific advice.

• Is my 2000 Ford Excursion covered for flood damage?
• Is extra glass coverage worth it?
• Should I buy only the required minimum liability coverage?
• When should I buy a commercial auto policy?
• Do I need an umbrella policy?
• Do all my vehicles need collision coverage?
• Does my car insurance cover rental cars?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

The insurance bait and switch

Big name companies like State Farm, Allstate and Geico consistently run ads on television and other media. They all seem to state the claim that drivers can save some big amount if you change your coverage. How does every company give you a lower rate? This is the trick they use.

Many companies have specific characteristics for the type of customer that makes them money. An example of this type of risk profile might be over the age of 40, has a low-risk occupation, and has a short commute. Anybody who matches that profile will get very good rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet this ideal profile will probably have to pay higher rates with the end result being business going elsewhere. The ad wording is “customers that switch” not “all people who quote” save money. That’s the way companies can truthfully claim big savings. That is why it’s extremely important to compare quotes as often as possible. You cannot predict which company will fit your personal profile best.

Auto insurance coverage breakdown

Knowing the specifics of a auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, EMT expenses, dental work and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverages

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, vandalism and theft. The highest amount 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 not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Ford Excursion.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision insurance

Collision coverage covers damage to your Excursion resulting 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 can pay for claims like hitting a parking meter, hitting a mailbox, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Buy online or local, you save

Consumers leave their current company for many reasons like questionable increases in premium, high prices, lack of trust in their agent or even policy cancellation. Regardless of your reason, finding a new company can be pretty painless.

More affordable insurance can be purchased both online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get quotes online and usually these small, regional companies work with local independent agencies.

We’ve covered many ideas to get a better price on 2000 Ford Excursion insurance. The most important thing to understand is the more you quote insurance, the better likelihood of getting the cheapest insurance. You may be surprised to find that the most savings is with a lesser-known regional company.

Additional information is located on the following sites:

• Side Impact Crash Tests (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)