Cheaper 2015 Ford Expedition Car Insurance Quotes

Using the web to shop for auto insurance is challenging if you are a beginner to online quotes. But relax because online price shopping is actually quite simple.

If you have car insurance now, you should be able to reduce your rates substantially using this strategy. The purpose of this post is to instruct you on how to effectively get price quotes. But drivers can benefit from knowing the methods companies use to determine prices and take advantage of how the system works.

Comparison of Auto Insurance

When shopping for auto insurance there are multiple ways to compare quotes from different insurance companies. The simplest method to find competitive 2015 Ford Expedition insurance rates consists of shopping online. This can be accomplished using a couple different methods.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method eliminates the need for repetitive form entry for each company. One simple form compares rates from many national carriers. It’s the fastest way to compare.
  2. A different way to compare rate quotes is to manually visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll pretend you want rates from Progressive, State Farm and Travelers. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method of comparing rate quotes is driving around to different agent offices. Buying insurance online has reduced the need for local agents unless you have a need for the personal advice only provided by licensed agents. However, consumers can comparison shop online and still use a local agent and you’ll learn how to do that later.

Which method you use is up to you, but double check that you are using identical coverage limits and deductibles for each comparison quote. If you compare different deductibles it’s impossible to make an equal comparison. Having just a slight variation in coverage limits could mean much higher rates. And when quoting auto insurance, remember that comparing a large number of companies will improve the odds of getting better pricing.

Discounts can save BIG

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find discounts you could be receiving.

  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
  • Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings on your policy for Expedition insurance.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts up to 30%.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of providers with the best auto insurance discounts, click here.

Will just any policy work for me?

When buying the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Why am I required to buy liability insurance?
  • Is my custom paint covered by insurance?
  • Are split liability limits better than a combined single limit?
  • How can I get my company to pay me more for my totalled car?
  • Do I really need UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when pulling a rental trailer?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why do I only qualify for high-risk insurance?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage specifics

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, X-ray expenses, chiropractic care and surgery. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Liability

This will cover damage that occurs to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, medical expenses, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

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

Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection 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.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.