Cheap 2001 Ford Expedition Insurance Quotes

Searching for cheaper insurance rates for your Ford Expedition? Comparing car insurance rates is not a procedure consumers appreciate, but unfortunately it’s required to be legal behind the wheel.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. The purpose of this article is to instruct you on how car insurance quotes work and some tips to save money. But consumers can benefit from knowing the way insurance companies market insurance on the web because it can help you find the best coverage.

Comprehensive Car Insurance Comparison

There are a variety of methods you can shop for 2001 Ford Expedition car insurance and some are less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in your area, or you can utilize the web to quickly compare rates.

Many popular insurance companies participate in an industry program that enables customers to submit their information once, and each participating company can give them a price based on that information. This system prevents you from having to do quote requests for every car insurance company. To get comparison pricing now click here to open in new window.

The one disadvantage to getting quotes like this is you cannot specify the insurers to get quotes from. So if you prefer to pick specific providers to compare, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you’re using identical information for each price quote. If you are comparing higher or lower deductibles you can’t possibly determine the lowest rate for your Ford Expedition. Having just a slight variation in insurance coverages could mean much higher rates. It’s important to know that having more price comparisons will improve the odds of getting the best offered rates.

Policy discounts you shouldn’t miss

Companies do not advertise all available discounts very well, so we break down some of the best known and the harder-to-find ways to save on car insurance.

  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Expedition coverage than less cautious drivers.
  • Clubs and Organizations – Participating in a professional or civic organization could trigger savings on your policy for Expedition coverage.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for Expedition coverage depending on your company.
  • No Accidents – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurers with the best car insurance discounts, follow this link.

Insurance agents can help

When it comes to buying the best auto insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining if you may require specific advice.

  • Am I covered if I hit a deer?
  • Am I covered if I crash into my own garage door?
  • Where can I find high-risk insurance?
  • Which is better, split liability limits or combined limits?
  • Is my dog or cat covered if injured in an accident?
  • How much liability do I need to cover my assets?
  • Should I rate my 2001 Ford Expedition as pleasure use or commute?
  • How do I file an SR-22 for a DUI in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Coverage specifics

Understanding the coverages of insurance can help you determine the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three 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 translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, court costs, repair bills for other people’s vehicles, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills such as rehabilitation expenses, nursing services, chiropractic care and surgery. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, vandalism and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This coverage covers damage to your Expedition from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, driving through your garage door, hitting a mailbox, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Shop smart and save

In this article, we presented many ways to compare 2001 Ford Expedition insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone dropped collision coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

The cheapest insurance is available on the web and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

More information is available at the links below