2014 Ford Expedition Insurance Quotes – 10 Savings Tips

Trying to find the cheapest insurance coverage rates for your Ford Expedition? Are you at wits end from wondering where the money will come from to insure your Ford every month? You are no different than many other drivers.

Big companies like Allstate and Progressive all promote huge savings with ad campaigns and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

It’s a good idea to compare rates before your next renewal since insurance prices are adjusted regularly by insurance companies. If you had the best deal on Expedition insurance six months ago there is a good chance you can find better premium rates now. Forget all the misinformation about insurance coverage because you’re about to find out the fastest way to find better coverage at a better price.

Insurance policy discounts

Some insurance providers don’t necessarily list every possible discount in a way that’s easy to find, so the following list contains a few of the more common and also the lesser-known credits that may apply to you.

  • Paper-free Discount – Some insurance companies provide a small discount for buying a policy and signing up online.
  • Defensive Driver Discounts – Participating in a course in driver safety could cut 5% off your bill depending on where you live.
  • Pay Early and Save – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
  • Homeowners Pay Less – Owning your own home or condo may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Drivers Education – Teen drivers should enroll and complete driver’s education in school.
  • ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Save with More Vehicles Insured – Drivers who insure all your vehicles with the same insurance company may reduce the rate for each vehicle.
  • Renewal Discounts – Select insurance companies give a discount for switching companies before your current policy expires. You can save around 10% with this discount.
  • Telematics Data – Policyholders that allow their insurance company to study their driving habits by installing a telematics device such as State Farm’s In-Drive might get better premium rates if they are good drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford may enable drivers to earn cheaper rates.

We need to note that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and a selection of discounts are shown below.

  • Progressive includes discounts for continuous coverage, online signing, multi-vehicle, homeowner, good student, and online quote discount.
  • The Hartford policyholders can earn discounts including air bag, vehicle fuel type, defensive driver, anti-theft, bundle, good student, and driver training.
  • Mercury Insurance has savings for multi-car, anti-theft, type of vehicle, location of vehicle, good driver, and multi-policy.
  • GEICO offers discounts including defensive driver, membership and employees, anti-theft, military active duty, multi-policy, and daytime running lights.
  • AAA has discounts for pay-in-full, education and occupation, anti-theft, good student, and good driver.
  • State Farm discounts include Drive Safe & Save, good student, passive restraint, accident-free, anti-theft, and good driver.

Before buying, ask every insurance company to apply every possible discount. Savings might not be offered on policies everywhere. For a list of companies with the best insurance discounts, click this link.

The quickest method to compare rate quotes takes advantage of the fact most insurance companies pay for the opportunity to provide you with free rate quotes. The only thing you need to do is provide a little information including what you do for a living, your credit rating estimate, the type of vehicles you drive, and types of safety features. Those rating factors is submitted instantly to multiple companies and you will get price comparisons quickly.

To compare rates now, click here and complete the form.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions could help you determine whether or not you would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • How much liability do I need to cover my assets?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is covered by UM/UIM coverage?
  • What companies insure drivers after a DUI or DWI?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage basics

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.

Collision protection

This coverage pays for damage to your Expedition resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like repair costs for stationary objects, bail bonds, funeral expenses, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage, falling objects, hitting a deer and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Ford Expedition.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like pain medications, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Saving money is sweet as honey

We just covered many tips how you can reduce 2014 Ford Expedition insurance premium rates online. The key thing to remember is the more companies you get prices for, the higher your chance of finding cheaper insurance coverage. You may even discover the lowest premium rates are with a small local company. Smaller companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

For more information, link through to the resources below:

Comments About 2014 Ford Expedition Insurance

  1. Anna Sloan

    $100 to anyone who understands their policy.

  2. Elfrieda Herman

    I switched to Progressive. Quoted good rates in Nashua, NH. It’s still not cheap enough.

  3. Joan Landry

    I live east of Davenport, IA. I quoted with The General, American Family, Nationwide, and a couple others for my 2014 Ford Expedition and saved around $330 a year. Moved home policy as well. Still almost need a second mortgage.

  4. Jacinda Knapp

    I compared a lot of rate quotes for a 2014 Ford Expedition in Hartford, CT. Ended up at about $140 every six months with Amica.

  5. Sharan Benton

    Enjoyed the article. I’m from Tampa, FL. Got quotes with State Farm, Liberty Mutual, and Erie for my Expedition and saved just over $270 a year. Just waiting to see how claims go.

  6. Edmundo Harris

    I’m looking for cheaper coverage. From east side of Charleston, SC. Got car insurance quotes with Hartford, AAA, Nationwide, and a couple others for my Expedition and I think I saved around $40 each month. Hopefully won’t need it. I got prices on the web.

  7. Alan Anthony

    I can’t pay high rates. I live in Concord, New Hampshire. Got quotes with State Farm, The General, and Encompass for my Expedition and am saving around $400 a year. Thankfully I’m not a high risk driver.

  8. Jinny Todd

    2014 Ford Expedition + State Farm = CHEAP! At least inIllinois anyway.