Lower Your 2001 Ford Expedition Insurance Quotes

Are you tired of scraping nickels together to keep your car insured? You’re in the same situation as most other drivers.

Big-name insurance companies like State Farm, Progressive and Geico increase brand awareness with advertising and it is difficult to see through the deception and effectively compare rates to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Finding affordable coverage is quite easy. But vehicle owners must learn the way companies sell insurance online.

Don’t overlook these auto insurance discounts

Car insurance is not cheap, but there could be available discounts that may help make it more affordable. Some discounts will apply at quote time, but less common discounts must be inquired about before being credited.

• Government Employee Discount – Simply working for the federal government could cut as much as 10% off for Expedition coverage depending on your auto insurance provider.
• Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
• ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Drive Less and Save – Driving fewer miles may allow you to get cheaper rates.
• Active Military Service – Having a family member in the military could be rewarded with lower premium rates.
• Sign Online – A handful of larger companies may give you up to $50 shop auto insurance over the internet.
• No Accidents – Drivers who stay claim-free pay less when compared with frequent claim filers.
• Safety Course Discount – Taking part in a course in driver safety may get you a small discount and easily recoup the cost of the course.

Please keep in mind that many deductions do not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

For a list of companies who offer auto insurance discounts, follow this link.

The best way we recommend to compare rate quotes is to take advantage of the fact car insurance companies allow for online access to compare their rates. All you need to do is provide details such as driver ages, whether your vehicle is owned or leased, if you have a valid license, and whether you are single or married. That rating information gets sent immediately to insurance companies and they return cost estimate within a short period of time.

To check rates for your 2001 Ford Expedition now, click here and find out if you can get cheaper insurance.

Why you might pay higher rates

Many factors are considered when pricing auto insurance. Most are fairly basic such as traffic violations, but other factors are less apparent such as whether you are married or your financial responsibility.An important part of buying insurance is that you know some of the things that go into determining insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that may result in lower premium levels.

• Tickets and citations cost more than a fine – Whether or not you get tickets impacts premiums far more than you think. Drivers with clean records receive lower rates compared to drivers with tickets. Just one driving citation may cause rates to rise to the point where it’s not affordable. Drivers who have flagrant citations like DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
• Costs for men may be higher – Statistics have proven women are more cautious behind the wheel. It does not mean men are worse drivers. Both sexes have at-fault accidents in similar percentages, but men have accidents that have higher claims. Not only that, but men also receive more costly citations like DWI (DUI) or reckless driving.
• Rates may be higher where you live – Choosing to live in small towns and rural areas may provide you with better prices when buying insurance. Drivers in populated areas tend to have congested traffic and more severe claims. Fewer drivers and short commutes corresponds to lower accident rates.
• Car insurance liability limits – Your policy’s liability coverage will provide protection when you are determined to be liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.

When to get professional advice

When buying the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help highlight whether or not you could use an agent’s help.

• Are all vehicle passengers covered by medical payments coverage?
• Can my teen driver be rated on a liability-only vehicle?
• What can I do if my company won’t pay a claim?
• Can I rent a car in Mexico?
• What if I total my 2001 Ford Expedition and owe more than it’s worth?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Should I waive the damage coverage when renting a car?
• When can my company non-renew my policy?
• Where can I find high-risk insurance?
• When should I remove comp and collision on my 2001 Ford Expedition?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Don’t believe everything you hear

Respected companies like State Farm, Allstate and Geico regularly use television, radio, and online ads. All the companies say the same thing that people will save if you get a free auto insurance quote and switch your insurance coverage policy to them. How can each company charge you a lower premium? It’s all in how they say it.

Insurance coverage companies have an ideal profile for the type of customer that earns them a profit. For instance, a profitable customer might have to be between 25 and 40, has had continuous coverage, and drives a lower-performance vehicle. A customer getting a price quote that hits that “sweet spot” may get the lowest prices and will save when they switch companies.

Potential customers who don’t meet this ideal profile will have to pay higher prices which usually ends up with the customer buying from a different company. The ads say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great premium rates. This really emphasizes why you need to get auto insurance quotes as often as possible. It’s just too difficult to predict with any certainty which company will have the best car insurance rates.

Car insurance coverages explained

Learning about specific coverages of car insurance can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, falling objects and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

This will cover injuries or damage you cause to people or other property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like funeral expenses, legal defense fees, structural damage, loss of income and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2001 Ford Expedition.

Because many people only carry the minimum required liability 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.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for hospital visits, rehabilitation expenses and surgery. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your Expedition caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Don’t be a big spender

Some insurance companies do not offer internet price quotes small, regional companies only sell coverage through local independent agents. Lower-priced 2001 Ford Expedition insurance can be found from both online companies in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis.

We just showed you some good ideas how you can shop for 2001 Ford Expedition insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies. Some small companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage to discover at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage at the best cost while not skimping on critical coverages.

Helpful learning opportunities

• A Tree Fell on Your Car: Now What? (Allstate)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Tread Depth and Tire Safety (State Farm)