Cheap 2000 Ford Expedition Car Insurance Quotes

Drivers have a choice when trying to find low-cost Ford Expedition insurance. They can either waste time driving around to compare prices or use the internet to make rate comparisons. There are more efficient ways to shop for insurance coverage and you need to know the absolute fastest way to compare rates for a new or used Ford and find the best price possible from both online companies and local agents.

Smart consumers take time to get comparison quotes quite often due to the fact that insurance rates are usually higher with each renewal. Despite the fact that you may have had the best deal on Expedition insurance on your last policy you can probably find a better price now. There is too much inaccurate information about insurance coverage online, so we’re going to give you some great ways to quit paying high insurance coverage rates.

Discounts mean cheaper 2000 Ford Expedition insurance rates

Companies offering auto insurance don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on insurance coverage. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Expedition insurance depending on your company.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.
  • Save with a New Car – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Accident Free – Good drivers with no accidents can save substantially as compared to accident-prone drivers.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Drive Less and Save – Keeping the miles down on your Ford can qualify you for better rates on cars that stay parked.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.

It’s important to understand that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

Insurance companies who might offer these benefits may include but are not limited to:

Check with each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight if you might need an agent’s assistance.

  • Do I pay less for low miles?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when driving a rental car?
  • Does my 2000 Ford Expedition qualify for pleasure use?
  • Are split liability limits better than a combined single limit?
  • Can I rent a car in Mexico?
  • Will my insurance pay for OEM parts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, hitting a bird, damage from flooding, vandalism and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like chiropractic care, pain medications, nursing services, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

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

Collision coverage protects against things like sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Expedition.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability coverage – This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical expenses, medical services, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Take this to the bank

We just showed you a lot of tips how to lower your 2000 Ford Expedition insurance rates. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with an unexpected company.

Lower-priced insurance is available from both online companies as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured dropped collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Additional information can be found on the following sites: