Lower Your 2005 Ford Expedition Insurance Quotes

If online insurance comparisons are new to you, it’s easy to get confused because of the huge number of online companies selling insurance.

If you currently have car insurance, you should be able to save some money using these methods. Shopping for the cheapest car insurance coverage is easy if you know what you’re doing. But vehicle owners do need to know how insurance companies price online insurance because it can help you find the best coverage.

How to Compare Car Insurance Costs

Performing a rate comparison can be a lot of work if you aren’t aware of the most efficient way to do it. You could spend your day driving to insurance companies in your area, or you could use online quoting to maximize your effort.

Most of the larger companies enroll in a system where insurance shoppers complete one form, and each participating company can provide price quotes based on that data. This saves time by eliminating form submissions for each company.

To find out how much you’re overpaying now click here to start a free quote.

The only drawback to comparing rates this way is you don’t know exactly the providers you want to price. If you would rather choose specific providers to compare, we put together a list of companies who write car insurance in your area. Click here to view list.

It’s up to you which method you use, but make sure you use apples-to-apples coverage information on every quote you get. If your comparisons have different liability limits it will be next to impossible to find the best deal for your Ford Expedition. Just a small difference in coverages may result in a large different in cost. And when comparing car insurance rates, know that obtaining a wide range of quotes helps locate the best price.

These discounts can lower your rates

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be specifically requested before you will receive the discount.

• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Expedition insurance.
• Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
• No Charge for an Accident – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
• Safe Driver Discount – Safe drivers may save up to 50% more on Expedition insurance than drivers with accident claims.
• Clubs and Organizations – Affiliation with certain professional organizations could qualify you for a break on your policy on Expedition insurance.
• Auto/Home Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. But any discount will cut your overall premium however.

For a list of companies with discount car insurance rates, follow this link.

Different people need different coverages

When it comes to buying the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions might point out if your situation might need an agent’s assistance.

• What are the best liability limits?
• What is the rate difference between pleasure use and commuting?
• Is my custom paint covered by insurance?
• Should I rate my 2005 Ford Expedition as pleasure use or commute?
• Do I benefit by insuring my home with the same company?
• Can I afford low physical damage deductibles?
• How can I get my company to pay me more for my totalled car?
• Are my friends covered when driving my car?
• Does insurance cover tools stolen from my truck?
• How can I get high-risk coverage after a DUI?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages and their meanings

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Expedition.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, hail damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This pays for damage to your Expedition resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This provides protection from damage or injury you incur to other people or property that is your fault. It protects you from claims by other people, and doesn’t 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 liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for dental work, chiropractic care, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay