Cheaper 2013 Ford Expedition Insurance Rates

Want the cheapest insurance coverage rates for your Ford Expedition? Are you tired of not being able to afford each month for car insurance? You are no different than many other consumers. With consumers having so many online and local companies to choose from, it can be hard to find the lowest cost insurance company.

It’s smart to take a look at other company’s rates yearly because insurance rates fluctuate regularly. Just because you found the best deal for Expedition coverage a few years ago you can probably find a lower rate today. So ignore everything you know about insurance coverage because you’re going to get a crash course in one of the easiest ways to properly buy coverages and cut your premium.

This information will tell you the best way to quote coverages. If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Drivers only need an understanding of the proper methods to get comparison rates over the internet.

The best way we recommend to compare rate quotes is to know car insurance companies participate in a system to compare their rates. The only thing you need to do is provide the companies a bit of rating information such as distance driven, if you are currently licensed, if it has an anti-theft system, and how your vehicles are used. Your information is submitted instantly to multiple companies and you receive quotes very quickly.

Cut prices on Ford Expedition insurance

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be asked about before you will receive the discount. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Auto/Home Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for Expedition coverage than drivers with accident claims.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Expedition coverage with a few insurance companies.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could qualify for a substantially lower rate.
  • Distant Student – Kids in college who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.

Consumers should know that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous. Any qualifying discounts will cut your premiums.

Companies that possibly offer some of the above discounts include:

Double check with each company what discounts are available to you. Savings might not apply in your state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you could use an agent’s help.

  • Can I afford low physical damage deductibles?
  • Exactly who is provided coverage by my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Am I insured when driving a different vehicle?
  • Should I rate my 2013 Ford Expedition as pleasure use or commute?
  • Do I need replacement cost coverage?
  • Will my insurance pay for OEM parts?
  • Am I covered when using my vehicle for business?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Factors that might impact rates for a Ford Expedition

Smart consumers have a good feel for the factors that play a part in calculating car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces that factor into your rates.

  • Special features that cut premiums – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Rural vs Urban Areas – Choosing to live in a small town can be a good thing when buying car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Better credit means lower rates – Having a bad credit history is a large factor in determining your rates. If your credit is not that good, you could be paying less to insure your 2013 Ford Expedition by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Never let your coverage lapse – Allowing your coverage to lapse is a quick way to bump up your car insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a license revocation or jail time.
  • Younger drivers pay higher rates – More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are known to be less responsible when driving and because of this, their car insurance rates are much higher.

Drivers who switch save $386 a year? Really?

Consumers constantly see and hear ads that promise big savings from the likes of Allstate and Progressive. They all make an identical promise of big savings if you switch your coverage to them.

How does each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the type of driver that makes them money. For instance, a driver they prefer might be over the age of 40, a clean driving record, and chooses high deductibles. Any driver who matches those parameters is entitled to the best price and most likely will save when switching.

Drivers who do not match the “perfect” profile will be charged a more expensive rate and this can result in business not being written. The ads state “people who switch” not “everybody who quotes” save that kind of money. That’s the way companies can advertise the way they do.

That is why drivers must compare as many rates as you can. Because you never know the company that will fit your personal profile best.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, theft, falling objects, damage from flooding and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage will pay to fix damage to your Expedition resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

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

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like ambulance fees, EMT expenses, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover 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 coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

This provides protection from damage or injury you incur to other people or property. This coverage protects you from legal claims by others. It does not 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 liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair bills for other people’s vehicles, structural damage, bail bonds, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Expedition.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

In Summary

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Throughout this article, we presented a lot of techniques to reduce 2013 Ford Expedition insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance comes from an unexpected company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Geico and State Farm.

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