2016 Ford Expedition Car Insurance Rates – 9 Savings Tips

Trying to find the cheapest car insurance rates for your Ford Expedition? Sick and tired of robbing Peter to pay Paul to insure your Ford every month? You are in the same boat as the majority of other car owners.

Companies like Allstate and Progressive all claim big savings with advertising and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

Smart consumers take time to take a look at other company’s rates quite often since rates trend upward over time. Even if you think you had the best deal for Expedition coverage two years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding car insurance on the web, but with this article, you’re going to get a lot of great tips on how to buy car insurance cheaper.

Free Quotes for Insurance

There are several ways of comparing price quotes and find the best price. The fastest way to find competitive 2016 Ford Expedition insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for every insurance company. A single, simple form gets rate comparisons instantly.

A more time consuming way to compare prices is spending the time to visit the website for each individual company and fill out their own quote form. For examples sake, we’ll assume you want comparison quotes from Progressive, State Farm and Allstate. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

The least efficient method to compare rates is to drive around to local insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you want the professional guidance only provided by licensed agents. However, consumers can compare online quotes but buy from a local insurance agent. We’ll cover that shortly.

Which method you use is up to you, but ensure you are comparing apples-to-apples quote information for each comparison quote. If the quotes have different limits and deductibles on each one it will be very difficult to find the best deal for your Ford Expedition. Slightly different coverages may result in large price differences. And when quoting insurance, remember that quoting more will enable you to find a better price.

Save with discounts on 2016 Ford Expedition insurance

Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. Most are applied when you complete an application, but a few must be asked for before being credited.

  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill if you qualify.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for reduced rates for Expedition coverage.
  • Paperwork-free – A few companies give back up to $50 for buying a policy and signing up digitally online.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.

Drivers should understand that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will bring down the cost of coverage.

To see a list of companies offering insurance coverage discounts, click this link.

Tailor your coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance should reflect that These are some specific questions could help you determine if your situation could use an agent’s help.

  • Is business property covered if stolen from my car?
  • How high should my medical payments coverage be?
  • Which is better, split liability limits or combined limits?
  • Should I waive the damage coverage when renting a car?
  • Can my babysitter drive my car?
  • Is my camper covered by my car insurance policy?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverages 101

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses like rehabilitation expenses, doctor visits, nursing services, pain medications and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays for 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 insurance covers things like damage from a tornado or hurricane, falling objects, theft and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Collision protection

This coverage covers damage to your Expedition resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, loss of income, pain and suffering and court costs. How much liability should you purchase? That is up to you, but buy as much as you can afford.