Cheaper 2007 Ford Expedition Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Ford Expedition? Finding lower premiums on insurance coverage is always challenging for beginners to buying insurance online. There are so many options available that it can easily become a challenge to compare prices.

Consumers should take time to compare prices at least once a year because rates tend to go up over time. Even if you got the best deal for Expedition coverage two years ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about insurance coverage because you’re going to learn one of the quickest ways to remove unneeded coverages and save money.

Locating affordable protection is not that difficult. Basically, everyone who has to buy insurance stands a good chance to be able to find better rates. But drivers must learn the methods companies use to market insurance on the web and use this information to your advantage.

Cheap Car Insurance Comparisons

There are several ways to get quotes from different insurance companies. The fastest way to find competitive 2007 Ford Expedition insurance rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The best way to find low rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating a different quote for each company. One quote request compares rates from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to find lower rates requires a visit to each company website to complete a price quote. For instance, we’ll assume you want to compare Auto-Owners, Esurance and Allstate. You would have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way of getting rate comparisons is driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance of a local agent. However, consumers can find lower rates online but still have the advice of a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but compare the exact same coverage information with every price quote. If you enter unequal deductibles or liability limits you can’t possibly determine which rate is truly the best. Slightly different coverage limits could mean much higher rates. And when quoting car insurance, remember that getting more free quotes provides better odds of finding a lower rate.

Can you really save $440 a year?

Auto insurance companies such as State Farm and Allstate constantly bombard you with ads in print and on television. They all seem to make the same claim that you can save if you switch to their company. But how can every company claim to save you money?

All companies have a preferred profile for the type of customer that makes them money. For instance, a preferred risk might be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. A customer who fits that profile will get the preferred rates and therefore will save quite a bit of money when switching.

Potential customers who don’t measure up to the requirements will have to pay more money and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that much money. This is how companies can state the savings.

Because of the profiling, it is so important to compare as many rates as you can. It’s not possible to predict which auto insurance company will have the lowest Ford Expedition insurance rates.

Why your Ford Expedition insurance rates may be high

An important part of buying insurance is that you know the factors that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

  • Older drivers pay less – Older insureds tend to be more responsible, file fewer claims and receive fewer citations. Youthful drivers tend to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • Your auto insurance rates can be influenced by your job – Did you know that where you work can have an impact on rates? Occupations such as lawyers, business owners and stock brokers tend to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, professions such as pilots, students and performers receive lower rates for Expedition coverage.
  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. They both cause accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
  • Traffic citations inflate rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers get better rates than their less careful counterparts. Even a single moving violation can boost insurance rates forty percent or more. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Big city or small town – Living in small towns and rural areas has it’s advantages when it comes to auto insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers have to deal with congested traffic and much longer commute distances. More time on the road can result in more accidents.
  • Pleasure use or commuting – Driving more miles in a year’s time the more you will pay for auto insurance. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Expedition may be costing you. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage.
  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Ford Expedition is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

Don’t miss these discounts

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Some trigger automatically when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.

  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates on your policy for Expedition coverage.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Expedition coverage than drivers with accidents.
  • Paperwork-free – Some insurance companies give back up to $50 simply for signing over the internet.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Bundle and Save – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.

It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

Insurance companies that may have some of the above discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Savings may not apply everywhere.

When might I need help?

When choosing the best car insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether your personal situation may require specific advice.

  • Do I benefit by insuring my home with the same company?
  • Is other people’s property covered if stolen from my vehicle?
  • How high should my medical payments coverage be?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when driving someone else’s vehicle?
  • Can I make deliveries for my home business?
  • Should I have a commercial auto policy?
  • What is no-fault insurance?
  • Exactly who is provided coverage by my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, fire damage and falling objects. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, legal defense fees, loss of income, attorney fees and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your Expedition resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for funeral costs, EMT expenses, surgery and doctor visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

In conclusion

Lower-priced 2007 Ford Expedition insurance is attainable online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Insureds who switch companies do it for a number of reasons such as unfair underwriting practices, delays in responding to claim requests, policy non-renewal or denial of a claim. No matter why you want to switch, switching auto insurance companies is pretty easy and you might even save some money in the process.

Throughout this article, we presented a lot of ways to lower your insurance rates. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers may even find the most savings is with a lesser-known regional company.

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