2015 Ford Expedition Insurance Quotes – 8 Tips for Best Rates

When looking for lower-priced insurance, are you intimidated by the number of auto insurance companies available to you? Consumers have so many choices that it is a ton of work to locate the lowest prices.

Shop insurance coverage online

Most companies like Allstate and Progressive allow you to get price estimates on their websites. Doing online quotes is quite easy as you just type in the coverages you want as requested by the quote form. When the form is submitted, the system collects reports for credit and driving violations and returns a price quote based on the data you entered.

Being able to quote online streamlines rate comparisons, but the work required to visit each company’s website and repetitively complete many quote forms gets old quite quickly. But it is imperative to perform this step in order to find the lowest price.

Isn’t there an easier way to compare rates?

An easier way to find better insurance coverage pricing makes use of a single form to get prices from many companies. The form is fast, eliminates repetitive work, and makes price shopping online a lot less work. Immediately after you send the form, it is rated and you are able to buy your choice of the resulting price quotes. If a lower price is quoted, it’s easy to complete the application and purchase coverage. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To find out how much you can save on insurance coverage, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with your coverages identical to your current policy. This guarantees you will have rate comparison quotes using the exact same coverages.

These eight discounts can lower your car insurance rates

Some companies don’t always advertise every discount they offer very clearly, so the following is a list of some of the more common as well as the least known discounts that you can inquire about if you buy insurance coverage online.

  • Smart Student Discounts – Being a good student can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • ABS Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Defensive Driving Course – Taking part in a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
  • Auto/Life Discount – Select insurance companies reward you with better car insurancerates if you take out some life insurance too.
  • Early Switch Discount – Select insurance companies give a discount for signing up prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
  • Active Service Discounts – Being deployed with a military unit could trigger a small discount.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

If you would like to view insurance companies that offer the discounts shown above, click here to view.

Different people need different car insurance coverages

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Am I covered if hit by an uninsured driver?
  • Who is covered when they drive my 2015 Ford Expedition?
  • When should I buy a commercial auto policy?
  • Which is better, split liability limits or combined limits?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does coverage extend to a rental car in a foreign country?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Are you falling for claims of savings?

Companies like Allstate and Progressive consistently run ads on TV and radio. All the companies try to convey promises that you can save just by switching your car insurance coverage to their company. How is it possible that every company can claim to save you money? This is the way they can do it.

Many companies have specific guidelines for the type of driver that earns them the most money. An example of this type of insured may be over the age of 50, carries high limits, and has a high credit rating. A customer getting a price quote who matches that profile receive the lowest rate quotes and as a result will probably save money with a new company.

Potential customers who don’t measure up to the ideal profile must pay higher rates with the end result being the customer buying from a different company. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can advertise the way they do. That is why you really need to quote coverage with many companies. You cannot predict which company will have better premium rates than you’re paying now.

What car insurance coverages do you need?

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive car insurance

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, vandalism, a broken windshield, theft and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as doctor visits, chiropractic care, hospital visits and dental work. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Ford Expedition.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims like repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision coverage protection

This covers damage to your Expedition resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Don’t break the bank

Insureds leave their current company for many reasons like being labeled a high risk driver, lack of trust in their agent, high rates after DUI convictions and even delays in paying claims. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

We just presented some good ideas how to get a better price on 2015 Ford Expedition insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance coverage. You may even discover the lowest rates come from the least-expected company.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to discover later that it was a big mistake. The aim is to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

For more information, take a look at the following helpful articles:

Comments About 2015 Ford Expedition Insurance

  1. Chrissy Knowles

    Live in the northern part of Kailua, HI. Quoted with GEICO, American Family, and Encompass for my Ford and saved just over $400 a year. I just quoted rates online.

  2. Murray Holt

    Went with Encompass for my Ford and am saving around $100 a year. Even increased coverage a bit. I used their website to get prices.

  3. Wilhelmina Summers

    Lifelong resident of Newark, NJ, and State Farm rates were best. Insured with State Farm before. Got better coverage too.

  4. Leola Mccoy

    I live in Las Vegas, Nevada. Got free quotes online for a 2015 Ford Expedition. Ended up at about $560 savings annually. Went with 21st Century. Good savings if you bundle. Are quotes cheaper online?

  5. Dawn Reynolds

    IT’S ALL TOO EXPENSIVE! Live in Jacksonville, FL. Quoted prices from Allstate, Eastwood, and Hanover for my Expedition and I think I saved about $60 each month. I’m a pretty low risk driver. I got prices on the web.

  6. Tempie Lynch

    Is State Farm or Farmers cheap in Rio Rancho, NM?

  7. Caroll Aguirre

    Liked the article. Went with Amica for my Expedition and saved about $180 a year. I have a couple other vehicles on the policy.

  8. Lindsay Waller

    Affordable car insurance is a myth. Proud to be from Hilo, HI. Checked online prices for a 2015 Ford Expedition. Ended up at about $240 savings annually. Went with State Farm. Have an at-fault accident tho.

  9. Buffy Quinn

    Like your site, BTW. I live in a small town just outside of Gulfport, MS. Not sure of all the companies but I ended up saving about $60 each month. Have an at-fault accident tho.

  10. Vashti Farmer

    Hope my rates come down. Lifelong resident of Jackson, MS. Quoted prices online for a 2015 Ford Expedition. Ended up at about $540 savings annually. Went with State Farm. Even increased my liability limits. You can get a rate quote online.

  11. Lela Evans

    I’ve insured with Progressive for a long time. Pretty cheap in Fort Wayne, IN.

  12. Sacha Potts

    I went with 21st Century at renewal. Best rates in Wilmington, DE. I get lower rates because of my clean driving record.