2010 Ford Expedition Car Insurance Quotes

Trying to find lower car insurance rates for your Ford Expedition? Are you a victim of an expensive car insurance policy? Trust us, you are not the only one feeling buyer’s remorse.

Insurance companies such as State Farm, Allstate, Geico and Progressive all claim big savings with ads and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

It is always a good idea to take a look at other company’s rates at least once a year because prices trend upward over time. If you had the best deal on Expedition insurance last year you will most likely find a better premium rate today. Ignore everything you know about car insurance because we’re going to show you the quickest way to reduce your cost while increasing coverage.

If you currently have car insurance, you should be able to cut costs considerably using these methods. Finding the best rates is quite easy. But car owners must understand the way insurance companies determine prices because it can help you find the best coverage.

Discounts for lower-cost car insurance rates

Car insurance can cost a lot, but you might already qualify for some discounts to help offset the cost. A few discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before being credited.

• Discounts for Good Drivers – Accident-free drivers can save up to 40% or more on their auto insurance quote on Expedition insurance than their less cautious counterparts.
• Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off on Expedition insurance with some car insurance companies.
• Sign Online – A handful of larger companies will give you a small discount for buying your policy on your computer.
• Multi-policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company they may give you a discount of approximately 10% to 15%.
• Telematics Devices – People who choose to allow their car insurance company to scrutinize driving patterns by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they exhibit good driving behavior.
• Switch and Save Discount – A few larger companies allow discounts for switching companies before your current policy expires. You could save around 10% when you buy auto insurance online.
• Discounts for Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems could see savings as much as 30%.

Just know that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

A partial list of companies who may offer some of the discounts shown above are:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

Check with all the companies to apply every possible discount. Depending on the company, some discounts may not apply to policies in your area. To find insurers that can offer you the previously mentioned discounts, click this link.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions can aid in determining whether you would benefit from professional advice.

• Do I need an umbrella policy?
• How many claims can I have before being cancelled?
• What can I do if my company denied a claim?
• Who is covered when they drive my 2010 Ford Expedition?
• Does my policy cover me when driving someone else’s vehicle?
• Does coverage extend to a rental car in a foreign country?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I getting all the discounts available?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I need higher collision deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Specific coverage details

Understanding the coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from auto insurance companies.

Comprehensive auto insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from getting keyed, damage from flooding, fire damage and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for EMT expenses, nursing services and doctor visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Coverage for collisions

Collision insurance covers damage to your Expedition from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Expedition.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Liability

This provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical services, repair bills for other people’s vehicles, loss of income and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Be Smart and Buy Smart

We just covered some good ideas how to shop for 2010 Ford Expedition insurance online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest prices are with a lesser-known regional company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

More affordable auto insurance is available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get a quote online and these small, regional companies only sell through local independent agencies.

More tips and info about auto insurance can be read by following these links:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)