2004 Ford Excursion Insurance Rates – 6 Tips to Save

Scraping up a payment for expensive Ford Excursion insurance can stress out your savings account and force you to tighten up your finances. Doing a rate comparison can lower your rates and help to cut your insurance bill.

Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest rate

Low cost insurance prices

Finding low cost 2004 Ford Excursion insurance prices can be quick and easy. The only thing you need to do is take a few minutes comparing rates to find out which insurance company has cheap insurance coverage quotes. This can be accomplished in just a few minutes using one of these methods.

1. If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do separate forms for every insurance company. Filling out one form will return quotes direct from many companies.
2. A more difficult way to find lower rates requires a trip to the website of each company and request a quote. For sake of this example, we’ll pretend you want to see prices from Allstate, Safeco and Farmers. You would be required to go to every website to enter the same coverage data repeatedly, which can get old fast. For a list of companies in your area, click here.

The method you choose is up to you, but double check that you are using nearly identical coverage information on every price quote you get. If you enter higher or lower deductibles then you won’t be able to find the best deal for your Ford Excursion.

Auto insurance policy discounts

Car insurance companies do not list every available discount very well, so we took the time to find both well-publicized as well as some of the hidden credits available to lower your premiums when you buy insurance coverage online. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

• Driver Training Discounts – Passing a defensive driving course could save 5% or more if your company offers it.
• Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you may have a lower total premium amount.
• Cautious Driver Discount – Insureds without accidents may receive a discount up to 45% on Excursion insurance compared to accident prone drivers.
• Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% since newer vehicles are generally safer.
• First Accident Forgiveness – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident before your rates go up if you have no claims for a set time period.
• Fewer Miles Equal More Savings – Low mileage vehicles can earn lower premium rates on the low mileage vehicles.

Discounts lower rates, but most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, it’s just not the way it works.

A list of companies and the discounts they provide can be read below.

• Geico may include discounts for membership and employees, anti-theft, federal employee, good student, and seat belt use.
• Travelers has discounts for student away at school, new car, IntelliDrive, good student, early quote, driver training, and continuous insurance.
• Nationwide offers discounts including multi-policy, family plan, easy pay, defensive driving, Farm Bureau membership, good student, and accident-free.
• Farmers Insurance may offer discounts for business and professional, pay in full, early shopping, multi-car, good student, homeowner, and mature driver.
• Esurance may have discounts that include good driver, safety device, renters, emergency road assistance, online shopper, good student, and multi-policy.
• State Farm policyholders can earn discounts including Drive Safe & Save, multiple autos, defensive driving training, good student, and good driver.
• Progressive discounts include multi-vehicle, online signing, online quote discount, multi-policy, good student, homeowner, and continuous coverage.
• Mercury Insurance offers premium reductions for accident-free, ease of repair, age of vehicle, good student, professional/association, multi-policy, and multi-car.

Before you buy a policy, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered everywhere.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might point out whether or not you might need an agent’s assistance.

• How high should my medical payments coverage be?
• Are my friends covered when driving my 2004 Ford Excursion?
• Should I buy additional glass protection?
• Does my car insurance cover rental cars?
• Is my nanny covered when driving my vehicle?
• Does my policy pay for OEM or aftermarket parts?
• Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance 101

Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses like ambulance fees, surgery, dental work, chiropractic care and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This pays for damage to your Excursion resulting from colliding 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 can pay for claims like sideswiping another vehicle, crashing into a building, driving through your garage door, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2004 Ford Excursion.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Auto liability insurance

This will cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, repair costs for stationary objects, pain and suffering, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Money doesn’t grow on trees

When searching for affordable insurance coverage quotes, do not reduce coverage to reduce premium. Too many times, an accident victim reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.

A few companies do not offer the ability to get quotes online regional insurance providers provide coverage only through independent insurance agencies. Discount 2004 Ford Excursion insurance can be found on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection.

Throughout this article, we presented a lot of techniques to save on 2004 Ford Excursion insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the most savings is with a smaller regional carrier. They can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

For more information, take a look at these articles:

• Airbag FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)