Save on 2011 Ford Expedition Insurance Cost

Trying to find better car insurance rates for your Ford Expedition? Searching for better insurance prices for a new or used Ford Expedition can be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to get price quotes on a Ford and locate the lowest price either online or from local insurance agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can use this information to reduce the price you pay while maintaining coverages. Drivers just need to learn the best way to compare company rates online.

Finding car insurance

Comparing car insurance rates is a ton of work if you don’t utilize the most efficient way. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most major companies participate in an industry program where insurance shoppers only type in their quote data once, and at least one company provides a quote based on that data. This eliminates the need for quotation requests to every company.

To compare rates using this form now click here to start a free quote.

The one downside to comparing rates this way is that consumers can’t choose which carriers you will receive quotes from. If you would rather choose specific insurance companies to compare rates, we have a page of car insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you use the same coverage data on every quote. If you have different values for each quote you will not be able to determine the best price for your Ford Expedition.

Car insurance quotes and discounts

Car insurance companies do not advertise every available discount very well, so the following list contains some of the best known and also the lesser-known ways to save on car insurance. If you are not receiving all the discounts available, you are paying more than you should be.

  • Sign Online – A few larger online companies may give you up to $50 shop auto insurance digitally online.
  • Home Ownership Discount – Just owning your own home can help you save on car insurance since home ownership requires personal responsibility.
  • Defensive Driving Course – Completing a class that teaches defensive driving techniques could earn you a small percentage discount depending on where you live.
  • Life Insurance – Some insurance companies give a discounted premium rate on car insurance if you buy some life insurance too.
  • Buy New and Save – Insuring a vehicle that is new is cheaper due to better safety requirements for newer models.

It’s important to understand that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

Large car insurance companies and a partial list of their discounts can be read below.

  • 21st Century offers premium reductions for good student, theft prevention, teen driver, air bags, defensive driver, and anti-lock brakes.
  • State Farm offers discounts for safe vehicle, accident-free, driver’s education, good driver, and good student.
  • AAA has savings for good student, anti-theft, multi-car, good driver, and education and occupation.
  • Liberty Mutual offers discounts including newly married, safety features, preferred payment discount, newly retired, multi-car, and multi-policy.
  • Progressive has discounts for online quote discount, good student, continuous coverage, homeowner, and online signing.

When quoting, ask each company which discounts you qualify for. Discounts might not apply in your area. If you would like to see a list of insurers offering car insurance discounts, click here to view.

Situations that may require an agent’s advice

When choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can aid in determining if you might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • How do I file an SR-22 for a DUI in my state?
  • Should I buy additional glass protection?
  • What discounts do I qualify for?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when pulling a rental trailer?
  • Do I need replacement cost coverage on my 2011 Ford Expedition?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

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

Liability insurance – Liability coverage will cover damage that occurs to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, emergency aid, medical expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, hospital visits and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, fire damage, vandalism, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Expedition.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comments About 2011 Ford Expedition Insurance

  1. Renea Livingston

    Well-written and thought out article. From Henderson, NV. Got car insurance rates from Progressive, Hartford, and Farmers for my Ford and saved about $230 a year. Was with Hartford.

  2. Consuelo Dennis

    Good detail in your article. From north side of Shreveport, LA. Quoted prices online for a 2011 Ford Expedition. Ended up at about $490 savings annually. Went with State Farm. They have a lot of discounts available.

  3. Celeste Carver

    This is too expensive. Proud to be from Bismarck, ND. I don’t recall every quote but I ended up saving about $70 each month. Ask about discounts. I just quoted rates online.

  4. Jeffery Snider

    I live in Sioux Falls, SD. I quoted with American Family, Nationwide, and USAA for my 2011 Ford Expedition and saved just over $510 a year.

  5. Tanna Allen

    Cheap is relative. Live in the northern part of Des Moines, Iowa. I quoted with AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my Expedition and saved just over $310 a year. I have several vehicles insured with them. Online quotes are the way to go.

  6. Tanya Alexander

    I’m from New Orleans, Louisiana. Can’t remember who all I quoted but I ended up saving about $60 each month. Highly recommended.

  7. Donella Finch

    I think I’m paying too much. I’m just south of Sioux Falls, SD. Quoted quotes from MetLife, Eastwood, GEICO, and Amica for my Ford and I think I cut my rates about $40 each month.

  8. Hai Hoover

    Can you buy custom paint coverage for a 2011 Ford Expedition?

  9. Giselle Tillman

    When should I drop comp and collision?

  10. Wanita Bean

    I got quite a few price quotes for a 2011 Ford Expedition in Mobile, AL. Ended up at darn near $100 every six months with Auto-Owners.