2000 Ford Expedition Insurance Cost

Looking for the cheapest car insurance rates for your Ford Expedition? Do you get exhausted from sacrificing to insure your Ford every month? You are in the same boat as the majority of other drivers.

Due to the increasing number of options when it comes to car insurance, it’s difficult to pick the most affordable car insurance provider.

It’s smart to take a look at other company’s rates as often as possible since prices are constantly changing. Just because you found the best price for Expedition insurance on your last policy you can probably find a better rate quote now. Forget all the misinformation about car insurance because you’re about to find out the best methods to buy cheaper car insurance.

Pricing more affordable auto insurance coverage is simple if you know the tricks. Basically, everyone who is shopping for auto insurance should be able to save money. Nevertheless, car owners can benefit from knowing the methods companies use to compete online because it can help you find the best coverage.

Components of your Ford Expedition insurance prices

An important part of buying insurance is that you know some of the elements that are used to determine your premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Many different elements are considered when you get a price on insurance. Some are obvious like a motor vehicle report, but other factors are not as apparent like your continuous coverage or your financial responsibility.

The itemized list below are some of the things companies use to determine rates.

  • Physical damage deductibles – Comp and collision deductibles represent how much money the insured will be required to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and damage from wind. The more money you’re willing to pay, the better rate you will receive for Expedition insurance.
  • Pay more by driving carelessly – Good drivers tend to pay less for car insurance than bad drivers. Just one ticket can boost insurance rates substantially. People who have license-revoking violations such as DUI or reckless driving may find they need to file a SR-22 with the DMV in their state in order to legally drive.
  • Pleasure use saves money – The higher the mileage driven each year the more you’ll pay to insure it. A lot of companies charge rates based on how the vehicle is used. Cars that sit idle most of the time receive lower rates than vehicles that have high annual mileage. Improper usage on your Expedition is throwing money out the window. Verify your insurance policy reflects the correct usage.
  • Married people drive safer – Getting married may cut your premiums when buying insurance. Having a spouse demonstrates that you tend to be more stable financially it has been statistically shown that married drivers get in fewer accidents.

How to lower your insurance cost

Comparing insurance rates is a ton of work if you don’t understand the best way to get rate quotes. You can waste a lot of time talking to local insurance agents in your area, or you can utilize the web to achieve your goal.

Most car insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company provides a quote. This eliminates the need for repetitive form submissions for every insurance company.

To get comparison pricing now click here (opens in new window).

The only drawback to using this type of form is that consumers can’t choose which companies you will receive quotes from. If you would rather choose specific insurance companies to compare rates, we have a page of the cheapest insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using identical information for every company. If you have different liability limits you will not be able to determine the lowest rate for your Ford Expedition. Just a small difference in coverages could skew the results. Keep in mind that quoting more gives you a better chance of getting lower pricing. Not every company provides prices over the internet, so you need to compare prices from them as well.

Auto insurance ads bend the truth

Well-known auto insurance companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads seem to make the promise of big savings if you change your policy. How does every company make almost identical claims? Here is the trick they use.

Different companies quote the lowest rates for the type of driver that earns them a profit. For example, a desirable insured could possibly be over the age of 50, is a homeowner, and drives a car with an anti-theft system. Someone who meets those qualifications will get low rates and have a good chance to save a lot if they switch.

People who don’t meet the requirements will probably be forced to pay a more expensive rate and the customer not buying. Company advertisements say “people that switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently state the savings.

This really drives home the point why drivers must compare as many free car insurance quotes as you can. It’s impossible to know which company will have the lowest car insurance rates for your situation.

These discounts can slash auto insurance rates

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that may help make it more affordable. Some trigger automatically at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Early Switch Discount – A few companies allow discounts for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
  • Defensive Driver Discount – Passing a course that instructs on driving safety could earn you a small percentage discount if you qualify.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft so companies will give you a small discount.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
  • Government Employee Discount – Simply working for the federal government can earn a discount up to 10% for Expedition insurance with some auto insurance companies.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.

While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, nobody gets a free ride.

If you would like to see a list of insurance companies that offer some of these discounts, follow this link.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can help discover if your insurance needs could use an agent’s help.

  • What if I don’t agree with a claim settlement offer?
  • Is my teen driver covered when they drive my company car?
  • When does my teenage driver need to be added to my policy?
  • Should I rate my 2000 Ford Expedition as pleasure use or commute?
  • Should I have combined single limit or split liability limits?
  • Is a blown tire covered by insurance?
  • Can my babysitter drive my car?
  • What companies insure drivers after a DUI or DWI?
  • When should I not file a claim?
  • How much can I save by bundling my policies?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Learn about insurance coverages for a Ford Expedition

Understanding the coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Auto liability

This can cover damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair costs for stationary objects, funeral expenses and attorney fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Collision coverage

Collision insurance covers damage to your Expedition resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

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

Comprehensive can pay for things such as hitting a deer, damage from flooding, a tree branch falling on your vehicle, falling objects and a broken windshield. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for pain medications, hospital visits, EMT expenses, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Ford Expedition.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

In the end, you save

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. There have been many cases where drivers have reduced liability coverage limits only to find out that the savings was not a smart move. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.

We just presented many tips how you can shop for 2000 Ford Expedition insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheap car insurance. You may even find the lowest rates are with an unexpected company. Some small companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

Much more information about insurance coverage is located below: