Compare 2004 Ford Expedition Insurance Quotes

Want cheaper insurance coverage rates? Drivers have options when trying to find the best price on Ford Expedition insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to compare rates. There is a better way to compare insurance coverage rates and you need to know the best way to quote coverages on a Ford and get the lowest possible price from local insurance agents and online providers.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Consumers only need to know the tricks to compare rates online.

Are you getting all your discounts?

Companies that sell car insurance don’t list all their discounts very clearly, so we break down both the well known and the harder-to-find insurance coverage savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because maintaining a house is proof that your finances are in order.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Senior Citizens – Older drivers may qualify for better insurance coverage rates for Expedition insurance.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save 10% or more off your medical payments premium.

It’s important to note that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, you’re out of luck.

To see a list of insurers with the best insurance coverage discounts, click this link.

Why your Ford Expedition might be costing you more

It’s important that you understand the rating factors that come into play when calculating car insurance rates. Knowing what determines base rates allows you to make educated decisions that will entitle you to lower car insurance prices.

The list below includes some of the items companies use to determine prices.

  • Liability coverage protects you – Liability coverage will protect you in the event that a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • High numbers of claims are not good – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies generally give discounts to policyholders who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Discounts for married couples – Having a wife or husband can actually save you money on car insurance. It translates into being more responsible and it’s statistically proven that being married results in fewer claims.
  • Older drivers save more – Young drivers are known to be careless and easily distracted behind the wheel so car insurance rates are higher. If you’ve ever had to add a teenage driver onto a policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Your location affects your rates – Living in a small town has it’s advantages when buying car insurance. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
  • Drive less and save money – Driving more miles every year the more you will pay for car insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Cars left parked in the garage qualify for better rates than those used for commuting. An improperly rated Expedition can result in significantly higher rates. Make sure your car insurance coverage is rated on the proper vehicle usage.
  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Your job and insurance rates – Careers like lawyers, social workers and stock brokers tend to have the highest rates attributed to high stress levels and long work hours. On the other hand, professions such as actors, students and retirees receive lower rates for Expedition insurance.

When might I need an agent?

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

  • What are the best liability limits?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does car insurance cover theft of personal property?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is business property covered if stolen from my car?
  • Do all my vehicles need collision coverage?
  • Do I really need UM/UIM coverage?
  • Who is covered when they drive my 2004 Ford Expedition?
  • Is business equipment covered while in my vehicle?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate, Geico and Progressive. They all say the same thing that you can save after switching your coverage to them.

But how can every company make almost identical claims?

All the different companies have a preferred profile for the type of driver they prefer to insure. For instance, a profitable customer could possibly be over the age of 50, a clean driving record, and has great credit. A driver who fits that profile is entitled to the best price and as a result will probably save quite a bit of money when switching.

Consumers who don’t meet these standards will be quoted more money which leads to business not being written. The ad wording is “customers who switch” not “everyone that quotes” save money. That is how insurance companies can confidently make those claims. This emphasizes why it’s extremely important to quote coverage with many companies. It’s impossible to know which company will have the lowest Ford Expedition insurance rates.

Specifics of your car insurance policy

Knowing the specifics of car insurance can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for chiropractic care, prosthetic devices, pain medications, dental work and X-ray expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Expedition.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Auto liability

Liability coverage provides protection from damage or injury you incur to other people or property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like pain and suffering, loss of income, structural damage, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, a broken windshield and hail damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This coverage will pay to fix damage to your Expedition resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Online plus local equals savings

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at a price you can afford.

Throughout this article, we presented many ideas to shop for 2004 Ford Expedition insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from some of the lesser-known companies.

Cheaper insurance is attainable from both online companies as well as from independent agents, and you need to price shop both to have the best selection. Some companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

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