1997 Ford Expedition Insurance Quotes

Trying to find better auto insurance rates for your Ford Expedition? Overpriced auto insurance can stress out your personal savings and force you to cut corners elsewhere.

Companies like State Farm, Allstate, Geico and Progressive continually hit you with ad campaigns and consumers find it hard to avoid their marketing magic and find the best price available.

It’s a good habit to get comparison quotes on a regular basis because auto insurance rates trend upward over time. Even if you think you had the lowest premium rates on Expedition coverage a year ago a different company probably has better prices today. Forget all the misinformation about auto insurance because you’re about to learn the things you must know in order to eliminate unnecessary coverages and save money.

Compare auto insurance quotes

Effectively comparing auto insurance prices can take time and effort if you don’t know the fastest way to get free quotes. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could use online quotes to maximize your effort.

Many popular insurance companies take part in a program that enables customers to only type in their quote data once, and every company can provide price quotes based on that information. This eliminates the need for quotation requests to each individual auto insurance company.

To use this form to compare rates click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose the insurers you want pricing from. So if you want to select individual companies to compare, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use identical coverage limits and deductibles for every company. If each company quotes different limits and deductibles on each one you will not be able to get a fair rate comparison. Even a minor difference in insurance coverages can mean a large discrepancy in price. Keep in mind that comparing a wide range of rates helps increase your odds of locating more affordable insurance. Some insurance companies are not set up to provide quotes online, so it’s recommended that you also compare price estimates on coverage from those companies, too.

Get lower rates with these discounts

Insurance can cost an arm and a leg, but you can get discounts that can help lower your rates. Certain credits will be shown at the time of purchase, but a few must be asked about before you will receive the discount.

  • Student Driver Training – Require your teen driver to complete a driver education course in school.
  • Discount for Multiple Policies – When you combine your auto and home insurance with the same insurance company you could get a discount of at least 10 to 15 percent or more.
  • Homeowners Savings – Just being a homeowner can save a few bucks since owning and maintaining a home demonstrates responsibility.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for better insurance coverage rates on Expedition coverage.
  • Accident-Free Discounts – Drivers with accident-free driving histories can save substantially in comparison with bad drivers.
  • Telematics Devices – Insureds that choose to allow their company to study driving habits remotely such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
  • First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies permit an accident before raising your premiums if you are claim-free before the accident.
  • Low Mileage Discounts – Low mileage vehicles could qualify for substantially lower prices.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Professional Memberships – Joining a qualifying organization could qualify you for a break on your bill.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, companies don’t profit that way.

A few of the larger companies and their possible discounts are outlined below.

  • Farmers Insurance discounts include mature driver, electronic funds transfer, switch companies, homeowner, youthful driver, and alternative fuel.
  • State Farm may have discounts that include student away at school, multiple autos, multiple policy, passive restraint, and accident-free.
  • Liberty Mutual may offer discounts for new graduate, teen driver discount, safety features, new move discount, and newly married.
  • MetLife policyholders can earn discounts including defensive driver, good student, claim-free, accident-free, and good driver.
  • Progressive offers discounts including online signing, online quote discount, multi-vehicle, homeowner, multi-policy, and continuous coverage.

If you want low cost auto insurance quotes, ask each company or agent which discounts you qualify for. Some discounts listed above may not apply to policyholders in your area.

Components of your Ford Expedition insurance premiums

Multiple criteria are considered when pricing auto insurance. Some are pretty understandable such as traffic violations, but other factors are not as apparent such as your credit history or your financial responsibility.

  • Get a ticket, pay higher premiums – Having just one speeding ticket or other violation can bump up the cost by as much as twenty percent. Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with license-revoking violations like reckless driving or DUI may need to file a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
  • How much liability protection – Liability coverage will provide protection if a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • High premiums for teen drivers – Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.Teen drivers have a tendency to get distracted easily when driving with friends and because of this, their car insurance rates are much higher.
  • Discounts for auto and home policies – Some companies provide lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Even if you qualify for this discount already, drivers will still want to compare other insurance prices to make sure you are getting the best deal.

Car insurance can be complex

When choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover whether you may require specific advice.

  • What if I don’t agree with a claim settlement offer?
  • Does my car insurance cover rental cars?
  • Do I need replacement cost coverage on my 1997 Ford Expedition?
  • Am I covered if my car is in a flood?
  • How much can I save by bundling my policies?
  • Can my babysitter drive my car?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by auto insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, damage from a tornado or hurricane, theft, a broken windshield and falling objects. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability 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. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like medical expenses, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, rolling your car, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, dental work, ambulance fees, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

More effort can pay off

We just showed you a lot of ways to get a better price on 1997 Ford Expedition insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper auto insurance. Consumers could even find that the most savings is with a smaller regional carrier. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive and Geico.

Lower-priced 1997 Ford Expedition insurance is definitely available online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not offer price quotes online and usually these smaller providers prefer to sell through independent agents.

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