View 2006 Ford Expedition Insurance Rates

Overpriced Ford Expedition insurance can empty your personal savings and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Big companies like Allstate, Progressive and Geico all claim big savings with catchy ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

If you are insured now or need new coverage, you can use these techniques to find better prices and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Consumers just need to know the proper way to get comparison rates online.

The best way to compare insurance rates from multiple companies is to take advantage of the fact all the major auto insurance companies provide online access to provide you with free rate quotes. To start a quote, the only thing you need to do is give them some information like if you’re married, how your vehicles are used, how much you drive, and if a SR-22 is required. That rating data is instantly provided to multiple top-rated companies and you get price estimates instantly to find the best rate.

Pay less for 2006 Ford Expedition insurance

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but some must be requested specifically before you will receive the discount. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Passive Restraints – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Accident Forgiveness – Some insurance companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.

Keep in mind that most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will reduce the cost of coverage.

Insurance companies that may offer these discounts are:

Double check with each insurance company how you can save money. Discounts might not apply in every state.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help you determine whether or not you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Are split liability limits better than a combined single limit?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I get collision insurance on every vehicle?
  • Do I need more liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • Does my 2006 Ford Expedition qualify for pleasure use?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can my teen drive my company car?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Ford Expedition rates influenced by many factors

Consumers need to have an understanding of the rating factors that help determine the price you pay for insurance coverage. Knowing what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The following are a few of the “ingredients” used by your company to calculate your rates.

  • Your stress level may be raising your rates – Jobs such as doctors, architects and dentists have the highest average rates attributed to stressful work requirements and long work hours. Other occupations like pilots, historians and retirees get better rates on Expedition insurance.
  • Do you know you’re credit rating? – Your credit score is a large factor in determining what you pay for insurance coverage. People with high credit scores tend to be more responsible as compared to drivers with lower credit ratings. So if your credit history is low, you could potentially save money when insuring your 2006 Ford Expedition by improving your credit score.
  • Cautious drivers pay less – Your driving record impacts your car insurance rates tremendously. Drivers with clean records receive lower rates than bad drivers. Just one citation may increase your cost by twenty percent. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Pay less if you’re married – Having a wife or husband actually saves money when buying insurance coverage. Having a significant other is viewed as being more responsible and statistics show drivers who are married are more cautious.
  • Where you live is a factor – Choosing to live in small towns and rural areas can be a good thing when it comes to insurance coverage. Drivers in populated areas have to deal with much more traffic and longer commute times. Less people living in that area means fewer accidents and a lower car theft rate.

Misconceptions in auto insurance advertisements

Consumers can’t get away from ads that promise big savings by companies like Allstate and Progressive. All the ads have a common claim of big savings if you move to them.

But how can every company make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the right customer they prefer to insure. A good example of a preferred risk could possibly be between 30 and 50, has no tickets, and drives newer vehicles. A customer who meets those qualifications is entitled to the best price and therefore will pay quite a bit less when switching companies.

Potential customers who don’t qualify for these standards will be charged higher prices which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save that much money. This is how insurance companies can make the claims of big savings.

That is why drivers must compare as many rates as you can. It’s not possible to predict which auto insurance company will give you the biggest savings on Ford Expedition insurance.

Insurance coverages 101

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses such as pain medications, funeral costs and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays for damage to your Expedition resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, medical services and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

A penny saved is a penny earned

We’ve covered some good ideas how to save on 2006 Ford Expedition insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the most savings is with the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as Progressive and Geico.

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced full coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

The cheapest insurance can be sourced on the web in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

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