Cheaper 2016 Ford Expedition Car Insurance Cost

Want better insurance coverage rates for your Ford Expedition? Overpriced Ford Expedition insurance can sap your budget and make it tough to pay other bills. Doing a rate analysis can lower your rates and help to make sure you’re not throwing money away.

Due to the large number of companies and agents to choose from, it can be challenging to choose a more affordable insurance coverage company.

Finding affordable coverage is quite easy. Essentially every vehicle owner who is required by state law to have auto insurance stands a good chance to be able to lower their premiums. Nevertheless, consumers should learn the way insurance companies market insurance on the web and use this information to your advantage.

Compare quotes for auto insurance

Comparing auto insurance rates can be a daunting task if you don’t know the most efficient way to do it. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize the web to maximize your effort.

Most car insurance companies participate in an industry program where prospective buyers send in one quote, and each company then returns a price quote based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to comparing rates this way is you can’t choose the insurers you will receive quotes from. So if you prefer to pick from a list of companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just ensure you are comparing apples-to-apples quote information for every quote you compare. If you use differing limits it’s not possible to find the best deal for your Ford Expedition. Even a minor difference in insurance coverages or limits could mean much higher rates. Just remember that comparing more rates from different companies helps locate a lower rate than you’re paying now.

These discounts can reduce insurance coverage rates

Some insurance providers do not advertise their entire list of discounts in a way that’s easy to find, so we researched some of the more common as well as some of the hidden credits that may apply to you. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

  • Claim Free – Drivers with accident-free driving histories can earn big discounts as opposed to policyholders that have many claims.
  • Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Save with a New Car – Buying a new car model may earn a small discount compared to insuring an older model.
  • Own a Home and Save – Owning a house may earn you a small savings since owning and maintaining a home is proof that your finances are in order.
  • Accident Forgiveness – This one is not really a discount per se, but certain companies may permit one accident without raising rates if you have no claims for a particular time prior to the accident.
  • Active Military Service – Being on active duty in the military could qualify you for better rates.

Policy discounts save money, but most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, it just doesn’t work that way.

If you would like to view providers that have a full spectrum of discounts, follow this link.

When do I need an agent’s advice?

When buying coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine if you might need an agent’s assistance.

  • What are the best liability limits?
  • What should my uninsured motorist coverage limits be in my state?
  • When should I buy a commercial auto policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I rate my 2016 Ford Expedition as pleasure use or commute?
  • Am I covered when delivering products for my home-based business?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Parts of your auto insurance policy

Knowing the specifics of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by auto insurance companies.

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2016 Ford Expedition.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – This will pay to fix damage to your Expedition from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, hitting a bird, theft and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses like doctor visits, ambulance fees, hospital visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – Liability insurance provides protection from damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like attorney fees, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Cheaper insurance is a realistic goal

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that it was a big mistake. Your goal is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

You just read many tips how you can get a better price on 2016 Ford Expedition insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost insurance coverage. You may even find the lowest car insurance rates come from some of the lesser-known companies. These companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

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Comments About 2016 Ford Expedition Insurance

  1. Hae Sellers

    In Atlanta, Georgia compare State Farm with Progressive and see which is best.

  2. Lea Collins

    Nice info. Lifelong resident of Charleston, South Carolina. Got car insurance quotes with AIG Insurance, Nationwide, and Travelers for my Ford and saved $409 a year. Was with Hanover. They have a lot of discounts available.

  3. Marva Bright

    I’m in the west part of Shreveport, LA. Got quotes from Travelers, Amica, GMAC, and Safeco for my Expedition and I’m now saving $30 a month.

  4. Ester Roman

    Live in the southern part of Jackson, MS. Compared quite a few companies. Saved right around $60 a month. Progressive was the cheapest option for me. Ask about discounts.

  5. Shanti Davenport

    I’m in San Antonio, TX, and 21st Century rates were affordable.

  6. Jaqueline Bass

    Great site. I live just outside Kansas City, Missouri. I quoted with GEICO, AIG Insurance, and Eastwood for my 2016 Ford Expedition and I think I am saving around $60 each month. Good savings if you bundle. Online quotes are the way to go.

  7. Alona Langley

    If you have a good history and live near Dover, DE, check out 21st Century. I saved quite a bit. Was with The General. Even increased coverage a bit. I got prices on the web.

  8. Mirna Suarez

    I’m in Salem, OR, and State Farm rates were affordable. Was with Auto-Owners. I’m a pretty good driver though. It’s still not cheap enough.

  9. Reta Wynn

    I got decent rates for a 2016 Ford Expedition in Nashville, TN. Ended up at right around $370 every six months with American Family. Left AIG Insurance to switch. :P