How Much Does 2014 Ford Expedition Car Insurance Cost?

Looking for the cheapest insurance coverage rates for your Ford Expedition? Tired of trying to scrape together enough money each month for car insurance? Your situation is no different than most other car owners. Insurance companies such as Progressive, State Farm and Geico all promote huge savings with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is not rocket science. Consumers only need an understanding of the best way to get comparison rates over the internet.

Auto Insurance Prices Online

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use online quoting to get prices fast.

Most major companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each company then gives them pricing based on the submitted data. This eliminates the need for repetitive form submissions to every company. To use this form to compare 2014 Ford Expedition insurance rates click here to start a free quote.

The one downside to doing it this way is you don’t know exactly which carriers you want pricing from. So if you want to choose individual companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

Whichever method you choose, double check that you are using apples-to-apples coverages for each comparison quote. If your comparisons have different liability limits you will not be able to make an equal comparison.

How to reduce Ford Expedition insurance rates

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be asked about in order for you to get them. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Claim Free – Good drivers with no accidents pay less when compared to frequent claim filers.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates if you are claim-free for a set time period.

Keep in mind that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

To see a list of insurance companies offering auto insurance discounts, click here.

Ford Expedition insurance rates can be determined by these details

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Do men or women drive better? – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Older drivers save more – Teen drivers have a tendency to be careless and easily distracted when driving so they pay higher auto insurance rates. Adding a teen driver to your auto insurance policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Your occupation can affect rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokers, executives and stock brokers tend to have the highest rates because of stressful work requirements and long work hours. On the other hand, occupations like pilots, students and homemakers receive lower rates on Expedition insurance.
  • You might want pay the small claims yourself – Car insurance companies award cheaper rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance is intended to be relied upon for larger claims.
  • Do you know you’re credit rating? – A driver’s credit score is a important factor in calculating your auto insurance rates. If your credit is lower than you’d like, you could pay less to insure your 2014 Ford Expedition by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.

Tailor your coverage to you

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • Is a new car covered when I drive it off the dealer lot?
  • Do I need replacement cost coverage on my 2014 Ford Expedition?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I getting all the discounts available?
  • Am I covered if hit by an uninsured driver?
  • Does my 2014 Ford Expedition qualify for pleasure use?
  • Do I need special endorsements for business use of my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Collision coverage protection

This pays for damage to your Expedition caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses like X-ray expenses, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverage

This can cover damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, bail bonds, emergency aid, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

One last thing

Lower-priced 2014 Ford Expedition insurance can be purchased on the web in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide online price quotes and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at a price you can afford while still protecting your assets.

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