View 2004 Ford Expedition Insurance Rates

Do you get frustrated by the sheer number of car insurance sources? You’re not alone. There are such a vast assortment of sources available that it is a chore to find better rates.

How to compare free insurance coverage quotes

All major insurance coverage companies allow you to get price estimates direct online. Comparing prices online doesn’t take much effort as all you need to do is type in the amount of coverage you want into a form. Behind the scenes, their rating system orders your driving record and credit report and quotes a price based on many factors.

Quoting online simplifies rate comparisons, but the work required to visit different websites and type in your information can be a bit repetitive. Unfortunately, it is important to do this in order to get the best price on insurance coverage.

The quickest way to lower your insurance coverage bill uses one simple form to get prices from more than one company. It’s a real time-saver, reduces the work, and makes price shopping online much simpler. As soon as the form is sent, it is rated and you can choose any or none of the pricing results. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To find out how much you can save on insurance coverage, click here and fill out the form. If you have a policy now, it’s recommended that you enter the coverages as shown on your current policy. Doing this guarantees you will get an apples-to-apples comparison using the same coverage and limits.

Are you receiving every discount?

Some insurance providers don’t always list all disounts in an easy-to-find place, so below is a list a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

• Paperwork-free – A few larger companies will give a small break get insurance coverage online.
• One Accident Forgiven – Not a discount per se, but companies like Geico, Allstate and Liberty Mutual will forgive one accident before hitting you with a surcharge if your claims history is clear before the accident.
• Own a Home – Just owning your own home can help you save on auto insurance since owning and maintaining a home means you have a higher level of financial diligence.
• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

One last thing about discounts, most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and the discounts they provide are:

• State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, driver’s education, multiple policy, student away at school, good driver, and Drive Safe & Save.
• Progressive includes discounts for continuous coverage, online signing, multi-policy, good student, and homeowner.
• Progressive offers discounts for good student, multi-policy, continuous coverage, multi-vehicle, homeowner, online quote discount, and online signing.
• MetLife has savings for claim-free, defensive driver, accident-free, good driver, and good student.
• Farm Bureau discounts include multi-vehicle, youthful driver, renewal discount, 55 and retired, multi-policy, and driver training.
• Geico has discounts for defensive driver, anti-theft, good student, driver training, and membership and employees.
• SAFECO may have discounts that include anti-theft, drive less, multi-car, anti-lock brakes, homeowner, bundle discounts, and teen safety rewards.

Check with each company or agent which credits you are entitled to. Some of the earlier mentioned discounts may not be available in your area. To view providers offering auto insurance discounts, follow this link.

You can change your insurance prices

An important part of buying insurance is that you know the factors that aid in calculating your insurance rates. When you understand what determines base rates, this enables you to make decisions that can earn you lower rates. Lots of things are taken into consideration when pricing auto insurance. Most are fairly basic like a motor vehicle report, although others are more transparent like your continuous coverage or your commute time.

The following are just a few of the factors used by companies to determine your premiums.

• Maintain insurance coverage – Driving without insurance can get you a ticket and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, not being able to provide proof of insurance may result in a license revocation or jail time.
• Extra policy coverages that may not be needed – Insurance companies have many additional extra coverages that can waste your money on your Expedition policy. Insurance for rental car reimbursement, towing coverage, and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate them to save money.
• Insurance rates can be impacted by your occupation – Jobs like doctorspolice officers and miners are shown to have higher premiums than the average policyholder because of job stress and incredibly demanding work hours. On the other hand, careers like actors, historians and homemakers have the lowest average rates for Expedition coverage.
• Getting married is a bonus – Getting married actually saves money when shopping for insurance. Marriage demonstrates that you tend to be more responsible and insurance companies reward insureds because drivers who are married are more cautious.
• Driving citations will cost you – Good drivers get better rates compared to bad drivers. Getting just one citation may cause rates to rise forty percent or more. Drivers who have received dangerous citations like DUI, reckless driving or excessive speeding might be required by their state to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
• Buy a safe car and pay less – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles built for safety have better occupant injury protection and lower rates of occupant injuries means your insurance company pays less and more competitive rates for policyholders. If your Ford has at least four stars on Safercar.gov you may be receiving a better rate.
• Liability protection preserves assets – Your policy’s liability coverage provides coverage when you are found to be at fault for an accident. Your policy’s liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not skimp.
• When should you file a policy claims? – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies provide the best rates to insureds who only file infrequent claims. Insurance coverage is intended for claims that you cannot pay yourself.

When in doubt talk to an agent

When choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

These are some specific questions can help discover whether or not you might need an agent’s assistance.

• What vehicles should carry emergency assistance coverage?
• Why do I need rental car insurance?
• Should I sign the liability waiver when renting a car?
• What is an SR-22 filing?
• Why am I required to buy high-risk coverage?
• Are rental cars covered under my policy?
• Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Smaller companies may have the best rates

Respected companies like State Farm and Allstate seem to constantly run ads in print and on television. They all state the claim that drivers can save some big amount just by moving to their company. How can each company have lower policy pricing? Just pay attention to how they say it.

Many companies have specific criteria for the type of insured they prefer to insure. An example of this type of driver may be between the ages of 30 and 45, carries high limits, and has a high credit rating. A propective insured that hits that “sweet spot” may get the lowest prices and as a result will probably save a lot if they switch.

Consumers who don’t meet the “perfect” profile may receive more expensive rates and this can result in business going elsewhere. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save that much. That’s the way companies can make those statements. Because each company has a different risk profile, you really need to get as many free insurance coverage quotes as possible. It’s not possible to predict the company that will have the lowest rate quotes.

Coverage specifics

Learning about specific coverages of your car insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage

This pays for damage to your Expedition resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, driving through your garage door, crashing into a building, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like funeral costs, rehabilitation expenses, chiropractic care and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from getting keyed and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

This can cover damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like medical expenses, court costs and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Saving money is sweet as honey

When you buy insurance coverage online, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured cut physical damage coverage and learned later they didn’t have enough coverage. The aim is to get the best coverage possible for the lowest price while still protecting your assets.

People leave their current company for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, high prices or even lack of trust in their agent. Whatever your reason, finding a great new company can be easy and end up saving you some money.

We covered a lot of information how to reduce 2004 Ford Expedition insurance auto insurance rates online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest auto insurance rates are with some of the smallest insurance companies.

More learning opportunities

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Determing Auto Insurance Rates (Geico)
• Frontal Crash Tests (iihs.org)