Searching for the cheapest insurance rates for your Ford Expedition? Are you irritated from scraping nickels together to pay insurance each month? You are in the same boat as millions of other people. Because there are so many choices, it’s nearly impossible to locate a more affordable insurance company.
It’s smart to take a look at other company’s rates at least once a year due to the fact that insurance prices change frequently. Just because you found the best deal for Expedition coverage six months ago you can probably find a better rate now. Forget all the misinformation about insurance because we’re going to demonstrate one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.
There are multiple methods you can shop for insurance but there is one way that is easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.
Many of the larger companies belong to an insurance system where insurance shoppers send in one quote, and at least one company can give them a price. This saves time by eliminating quotation requests to each company.
To compare pricing click here to start a free quote.
The only downside to pricing coverage this way is you cannot specify the providers you will receive quotes from. So if you want to select individual companies to compare, we have a page of insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, make darn sure you compare exactly the same quote data for each price quote. If you enter unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Ford Expedition.
When buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For instance, these questions could help you determine whether your personal situation might need professional guidance.
If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 2005 Ford Expedition.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Collision – This coverage will pay to fix damage to your Expedition caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as sideswiping another vehicle, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a deer, damage from flooding, a broken windshield, fire damage and vandalism. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability car insurance – Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It 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. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for things like legal defense fees, emergency aid, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.
Medical expense insurance – Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, ambulance fees, EMT expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay