View 2003 Ford Expedition Insurance Quotes

No normal person enjoys paying for insurance coverage, especially when they are aware that they could get a better deal. Insurance companies such as Geico and Progressive all promote huge savings with catchy ads and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

You should take the time to compare rates before your policy renews because prices change regularly. Just because you had the best price on Expedition insurance two years ago other companies may now be cheaper. There is lot of inaccurate information about insurance coverage on the internet, but we’re going to give you some solid techniques on how to put money back in your pocket.

If you have insurance now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates and still get good coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners just need to know the tricks to shop their coverage around on the web.

Compare free insurance coverage price quotes

Lowering your 2003 Ford Expedition insurance coverage rates isn’t really that difficult. Just take the time comparing price quotes to find the company with cheaper car insurance quotes. This can easily be done in just a few minutes using one of these methods.

  1. The single most time-saving way to find low rates would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do repetitive form submissions for every insurance coverage company. In just a few minutes this one form gets insurance cost estimates direct from many companies.
  2. A different way to find better pricing requires a trip to the website of each company to complete a price quote. For instance, let’s say you want to view quotes from Progressive, 21st Century and Geico. You would need to spend time on each company’s site to input your insurance information, 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 old school method to get price estimates is to waste gas driving to and from local insurance agencies. Quoting online has reduced the need for local agents unless you want the personal advice that you can only get from talking to an agent. It is possible to get the lowest quotes online and still use a local agent.

It’s up to you how you get prices quotes, just be sure to compare exactly the same deductibles and coverage limits with every price quote. If you are comparing differing limits you will not be able to truly determine the lowest rate.

Do insurance companies bend the truth?

Consumers can’t avoid all the ads that promise big savings for switching by companies like State Farm, Geico and Progressive. All the ads make an identical promise about how much you will save just by switching to their company.

How is it possible that every company can save you money? This is the trick they use.

Insurance providers can use profiling for the driver that will add to their bottom line. One example of a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and drives a safe vehicle. A customer that matches those criteria will get the preferred rates and as a result will probably save a lot if they switch.

Consumers who do not meet these standards may be forced to pay higher premiums which usually ends up with the prospect going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully make it sound like they have such great prices. That is why you should quote coverage with many companies. It is impossible to predict with any certainty which company will have the best premium rates.

Smart buyers save money

Lots of factors are considered when premium rates are determined. Some of the criteria are obvious such as your driving history, but other criteria are less apparent such as your credit history or your commute time.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that play a part in calculating auto insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower premium levels.

Shown below are some of the most rate-impacting factors used by your company to calculate your premiums.

  • Annual miles is a factor – The higher the mileage driven annually the more you’ll pay to insure your vehicle. A lot of companies charge to insure your cars determined by how the vehicle is used. Autos not used for work or commuting receive better premium rates compared to those used for work or business. It’s a smart idea to ensure your auto insurance coverage is showing the correct usage, because it can save money. Having an incorrect usage rating on your Expedition may be costing you higher rates.
  • High physical damage deductibles equal low rates – The deductibles represent how much money you are required to spend before your auto insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are colliding with a stationary object, animal collisions, and damage from wind. The more expense you pay before a claim is paid (deductible), the lower your rates will be on Expedition insurance.
  • File a insurance claims and pay more – Auto insurance companies generally give lower rates to policyholders who are claim-free. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Gender impacts prices – Statistics show that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Men and women cause auto accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers generally have the highest accident percentage and therefore pay the highest rates.
  • Single drivers may pay higher premiums – Getting married helps lower the price on your auto insurance policy. Marriage usually means you are more responsible and it’s proven that drivers who are married are more cautious.

Use discounts to get cheaper insurance quotes

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically when you get a quote, but occassionally some discounts must be asked for before being credited.

  • Mature Driver Discount – Mature drivers may be able to get better insurance rates on Expedition insurance.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Expedition insurance than drivers with accident claims.
  • Membership in Organizations – Having an affiliation with a civic or occupational organization could trigger savings on your next insurance statement.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • Driving Data Discount – People who choose to allow companies to look at their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they are good drivers.
  • Multiple Cars – Having more than one vehicle with one company can reduce rates for all insured vehicles.

You should keep in mind that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think adding up those discounts means a free policy, you’re out of luck.

To see insurance companies that offer multiple discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining if your situation could use an agent’s help.

  • Is my custom paint covered by insurance?
  • Am I covered when driving in Canada or Mexico?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my camper covered by my car insurance policy?
  • When do I need to add a new car to my policy?
  • Do I have coverage if my license is suspended?
  • Should I file a claim if it’s only slightly more than my deductible?

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 an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most auto insurance policies.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses, medical services, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 2003 Ford Expedition.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as funeral costs, dental work, surgery, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage will pay to fix damage to your Expedition caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a building, hitting a mailbox, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, hail damage, hitting a bird and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

In the end, you save

Discount 2003 Ford Expedition insurance is available from both online companies and with local insurance agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. A few companies may not offer rate quotes online and many times these small insurance companies provide coverage only through local independent agencies.

We just presented some good ideas how to shop for 2003 Ford Expedition insurance online. It’s most important to understand that the more you quote car insurance, the higher the chance of saving money. Consumers could even find that the most savings is with a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed collision coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best cost while still protecting your assets.

Additional auto insurance information can be found at the links below