2007 Ford Expedition EL Insurance Quotes – 6 Tips for Cheaper Rates

Want better car insurance rates for your Ford Expedition EL? Scraping up a payment for high-priced Ford Expedition EL insurance can dwindle your family’s budget and force you to cut corners elsewhere. Doing a rate comparison is free and is an excellent way to make ends meet.

Numerous insurers battle for your business, so it’s not easy to compare every insurance company to get the best rate

Consumers should take time to get comparison quotes on a regular basis since insurance prices fluctuate regularly. Even if you think you had the lowest quotes on Expedition EL coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the best way to properly buy coverages while reducing your premium.

If you have a policy now or need new coverage, you can learn to cut your premiums and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of how to find the lowest price online.

More affordable rates with these six discounts

Car insurance can cost a lot, but there could be available discounts that many consumers don’t even know exist. Some trigger automatically when you quote, but occassionally some discounts must be asked for prior to getting the savings. If you do not check that you are getting every discount you qualify for, you could be saving more on your insurance coverage.

  • Drive Safe and Save – Accident-free drivers can save up to 40% or more on their insurance quote on Expedition EL coverage compared to rates paid by drivers with frequent claims.
  • Drive Less and Save – Maintaining low annual mileage can qualify you for slightly better prices than normal.
  • Onboard Data Collection – Drivers that enable companies to track when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they exhibit good driving behavior.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your insurance quote.
  • Defensive Driver Discount – Taking a defensive driving course can save you 5% or more and easily pay for the cost of the class.
  • One Accident Forgiven – This isn’t a discount exactly, but some insurance companies allow you one accident before they charge you more for coverage if you are claim-free for a specific time period.

Remember that most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

If you would like to view insurers that offer the discounts shown above, follow this link.

Car insurance can be complex

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions could help you determine if you could use an agent’s help.

  • Are split liability limits better than a combined single limit?
  • Where can I get insurance after a DUI in my state?
  • What if I owe more than I can insure my car for?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy full coverage?
  • How much liability do I need to cover my assets?
  • Will filing a claim cost me more?
  • Who is covered by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

What insurance coverages do you need?

Having a good grasp of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hail damage and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Expedition EL.

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. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance

Liability coverage will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. 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 such as court costs, legal defense fees, bail bonds, emergency aid and funeral expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, chiropractic care and surgery. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage protection

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

Collision coverage protects against things like hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Buy online or local, you save

You just read a lot of tips how to get a better price on 2007 Ford Expedition EL insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest rates come from a small mutual company. Regional companies often have lower auto insurance rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

As you prepare to switch companies, you should never skimp on coverage in order to save money. In many cases, an insured dropped liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best price.

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Comments About 2007 Ford Expedition EL Insurance

  1. Drucilla Osborne

    I’m looking for cheaper coverage. I live just to the south of Saint Louis, Missouri. Got quotes with Amica, Mercury, and some smaller one I can’t remember the name of for my Expedition EL and am saving around $380 a year. A clean driving record helps. You can get a rate quote online.

  2. Christiane Poole

    Is GEICO or State Farm cheaper in Houston, TX?

  3. Alejandrina Shelton

    Thanks for putting this site together. I live in Idaho Falls, ID. Compared rates from a lot of places. Saved darn near $60 a month. GEICO was the best choice for me. Was with The General. Might find lower rates online.

  4. Jesica Mccullough

    Great site. Went with Encompass for my Expedition EL and cut my rates about $100 a year. Switched homeowners coverage too. I quoted rates online then called them.

  5. Marine Miranda

    Will Progressive raise rates for a windshield claim?

  6. Leonore Wong

    Like your site, BTW. Live in Chicago, Illinois. Got free quotes online for a 2007 Ford Expedition EL. Ended up at about $560 savings annually. Went with GEICO. My new agent seems to be really good. God forbid I actually have a claim.

  7. Charise Bray

    Checking in from San Diego, CA. Compared rates from a lot of places. Saved roughly $40 a month. 21st Century was the cheapest for me. I think they have home insurance too.

  8. Idell Alvarado

    If you’re a decent driver and live around Cedar Rapids, Iowa, check out Progressive. They seem to be cheaper.

  9. Marget Kane

    If you have a clean record and live in the vicinity of New Orleans, LA, check out Progressive. You might get cheaper rates. Was with Nationwide. A clean driving record helps.

  10. Clyde Crawford

    Located in Raleigh, North Carolina. I quoted with American Family, Erie, and Sentry for my 2007 Ford Expedition EL and saved $159 a year. Insured with GEICO before.