Cheap 2004 Ford Expedition Insurance Rates

No normal person enjoys paying for insurance coverage, especially when their premiums are too high. Multiple auto insurance companies compete for your business, so it can be very hard to choose a provider to discover the definitive cheapest price

If you are insured now or need new coverage, you can use these tips to find better prices while maintaining coverages. Finding the best rates is not that difficult. Consumers just need to learn the most efficient way to get comparison quotes online.

Why you might pay higher rates

Multiple criteria are part of the equation when pricing auto insurance. Some are pretty understandable like an MVR report, but some are less obvious such as your marital status or your commute time.

  • Improve your credit rating – Having a bad credit score is a big factor in determining what you pay. People that have excellent credit scores tend to be less risk to insure than drivers with worse credit. Therefore, if your credit could use some work, you could be paying less to insure your 2004 Ford Expedition by improving your rating.
  • Marriage discount – Having a significant other may earn you lower rates on insurance coverage. Having a significant other usually means you are more stable financially and statistics prove married drivers tend to have fewer serious accidents.
  • Expect high rates for teens – Mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents , and usually have better credit.Teen drivers tend to be inattentive and easily distracted behind the wheel and because of this, their insurance coverage rates are much higher.
  • Cars with good safety ratings cost less to insure – Cars with five star safety ratings tend to have better insurance rates. Vehicles built for safety help reduce the chance of injuries in an accident and any reduction in injury severity translates directly to fewer claims passed on to you as lower rates.
  • GPS tracking and theft deterrents reduce rates – Choosing to buy a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft.

Compare quotes for insurance

Finding a lower price on 2004 Ford Expedition insurance is a great way to save money. The only requirement is to spend a little time getting comparison quotes online with multiple companies. This can easily be done in a couple of different ways.

  • The best way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This style of form keeps you from doing a different quote for every prospective company. Taking the time to complete one form gets coverage cost estimates from multiple companies.
  • A less efficient way to obtain and compare quotes online consists of going to the website of each company to complete their respective quote request forms. For sake of this example, we’ll pretend you are doing a rate comparison from Liberty Mutual, 21st Century and Geico. In order to compare rates, you need to take the time to go to each site to enter your coverage information, which can be really labor intensive.

    For a handy list of car insurance company links in your area, click here.

Compare rates however you want, just be sure you’re using the exact same coverage limits and deductibles for each comparison quote. If the quotes have unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Ford Expedition.

Advertising and car insurance

Consumers can’t avoid all the ads that claim the best rates by State Farm, Geico and Progressive. They all say the same thing of big savings just by switching your car insurance coverage to their company.

How is it possible that every company can charge you less for auto insurance? Here is how they do it.

Companies are able to cherry pick for a prospective insured they prefer to insure. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has a clear driving record, and has a high credit rating. Anybody who meets those qualifications receives the best premium rates and therefore will cut their rates substantially.

Insureds who don’t measure up to this stringent profile will get more expensive rates and this can result in the customer not purchasing. The trick is to say “people that switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can confidently make the claims of big savings. This illustrates why you really should quote coverage with many companies. Because you cannot predict which company will have the lowest premium rates for your situation.

Cheap auto insurance rates with discounts

Companies that sell car insurance do not advertise all their discounts in a way that’s easy to find, so the next list breaks down a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online.

  • Low Miles Discount – Driving fewer miles may enable drivers to earn lower rates due to less chance of an accident.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Responsible Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Expedition coverage than less cautious drivers.
  • Telematics Devices – People who choose to allow their auto insurance company to look at vehicle usage by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums for Expedition coverage.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.

You should keep in mind that most credits do not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck.

A few popular companies and some of the premium reductions they offer are:

  • State Farm may have discounts that include anti-theft, multiple autos, good driver, student away at school, and Drive Safe & Save.
  • Nationwide discounts include multi-policy, defensive driving, easy pay, good student, accident-free, family plan, and Farm Bureau membership.
  • Geico policyholders can earn discounts including anti-theft, military active duty, good student, multi-vehicle, defensive driver, and anti-lock brakes.
  • AAA has discounts for pay-in-full, education and occupation, AAA membership discount, anti-theft, and multi-car.
  • 21st Century may offer discounts for anti-lock brakes, air bags, homeowners, automatic seat belts, and good student.
  • The Hartford may include discounts for driver training, air bag, bundle, anti-theft, good student, defensive driver, and vehicle fuel type.

If you are trying to find low cost car insurance quotes, ask all companies you are considering which credits you are entitled to. Depending on the company, some discounts might not be available to policyholders in your state. To see a list of companies that offer discounts, click here.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Why is insurance for a teen driver so high?
  • Do I have coverage for damage caused while driving under the influence?
  • Does car insurance cover theft of personal property?
  • Am I covered if I break a side mirror?
  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Who is covered by my policy?
  • When should I buy a commercial auto policy?

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 agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Detailed coverages of your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Expedition.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, damage from flooding, falling objects and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This will pay to fix damage to your Expedition resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability

This provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, structural damage, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, dental work, nursing services, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

A tidy conclusion

We just covered a lot of techniques to lower your 2004 Ford Expedition insurance car insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even find the best price on insurance is with the least-expected company. These companies often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

Low-cost 2004 Ford Expedition insurance is definitely available from both online companies and from local agencies, so get free car insurance quotes from both of them to have the best rate selection. A few companies may not offer the ability to get quotes online and many times these regional carriers provide coverage only through independent insurance agencies.

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