2013 Ford Expedition Insurance Rates – 10 Tricks for Best Quotes

Searching for better auto insurance rates for your Ford Expedition? Buying low-cost auto insurance on the internet might seem challenging for people new to comparing prices online. With such a large number of agents and online companies, how can people even start to compare each option to find the lowest rates?

The quickest way to compare insurance rates in your area is to know most insurance companies participate in a system to give rate comparisons. All you need to do is provide information such as how much education you have, if you have a valid license, your job, and the make and model of your vehicles. Your details gets sent immediately to multiple companies and they return rate quotes instantly.

To find lower rates now, click here and enter your zip code.

Lower-cost auto insurance rates with discounts

Companies offering auto insurance don’t necessarily list their entire list of discounts very well, so the list below contains some of the best known as well as some of the hidden discounts that may be available. If you do not check that you are getting every discount you qualify for, you could be saving more on your auto insurance.

• Discounts for Responsible Drivers – Accident-free drivers may save up to 50% more for Expedition insurance than drivers with accidents.
• Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in school.
• Discounts for New Vehicles – Buying a new car model may earn a small discount because newer models keep occupants safer.
• Telematics Data Discounts – Drivers who elect to allow driving data submission to analyze their driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
• Professional Organizations – Affiliation with qualifying employment or professional organizations could earn you a nice discount when getting a insurance coverage quote.
• Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
• More Vehicles More Savings – Buying coverage for multiple cars on one policy could earn a price break for each car.
• Multiple Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you will save up to 20% and get you cheap insurance coverage.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

To find insurance companies with discount auto insurance rates, click here to view.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether your personal situation will benefit from professional help.

• When would I need additional glass coverage?
• Where can I get insurance after a DUI in my state?
• Am I covered if I hit my neighbor’s mailbox?
• How much can I save by bundling my policies?
• Can I afford low physical damage deductibles?
• Does coverage extend to my business vehicle?
• What is no-fault insurance?
• How high should my uninsured/underinsured coverage be in my state?
• Are my friends covered when driving my car?
• Why do I need rental car insurance?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Smaller companies may have the best rates

Insurance providers like Allstate and Progressive regularly use ads on TV and radio. They all seem to advertise the message that drivers can save some big amount if you just switch to them. How does every company give you a better price? Here is how they do it.

Many companies have strict underwriting profiles for the driver that makes them money. A good example of a desirable insured might have to be over age 30, is a homeowner, and drives newer vehicles. Any person who matches that profile will get the preferred prices and most likely will save quite a bit of money when switching.

Potential insureds who cannot meet these standards will have to pay a higher premium and this can result in the customer not purchasing. The wording the ads use say “people who switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can confidently make those statements.

Each company has different criteria, so you really need to get insurance coverage quotes from several different companies. It is just not possible to predict which company will give you the biggest savings.

Auto insurance coverage options for a Ford Expedition

Having a good grasp of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hitting a deer, theft, hail damage and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Expedition.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as funeral costs, ambulance fees, pain medications, hospital visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto collision coverage

This will pay to fix damage to your Expedition caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Auto liability insurance

This will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, emergency aid, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but consider buying higher limits if possible.

In Summary

Lower-priced car insurance can be purchased both online and from local insurance agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance providers don’t offer online rate quotes and many times these regional insurance providers only sell coverage through independent agents.

As you prepare to switch companies, never buy less coverage just to save a little money. In many instances, consumers will sacrifice full coverage only to find out that they should have had better coverage. Your goal should be to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, poor customer service, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

Additional resources

• Credit and Insurance Scores (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Choosing an Insurance Company (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)