2005 Ford Excursion Car Insurance Quotes

Looking for the cheapest insurance rates for your Ford Excursion? Comparison shopping for more affordable insurance can seem to be quite difficult for beginners to shopping for insurance online. People have so many options available that it can quickly become a real difficult job to find a cheaper company.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. But consumers must know the methods companies use to determine prices and take advantage of how the system works.

Components of your Ford Excursion insurance prices

Many factors are considered when pricing auto insurance. Most are fairly basic such as your driving history, although others are more transparent such as whether you are married and annual miles driven.

  • Vehicles with better crash test results means lower rates – Safer cars tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection translates directly to fewer claims passed on to you as lower rates.
  • Be proud to be claim-free – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies provide cheaper rates to drivers who only file infrequent claims. Your insurance policy is intended to be relied upon for more catestrophic claims.
  • Prices also based on gender – Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn’t prove that females are better drivers. Males and females cause auto accidents at about the same rate, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI). Young males are the most expensive to insure and thus pay the highest rates.
  • Liability is critical – The liability section of your policy is the protection if you are found liable for causing damage or personal injury in an accident. Your liability coverage provides for a legal defense starting from day one. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Bad credit hurts insurance premiums – Having a bad credit history can be an important factor in determining what you pay. If your credit is low, you could be paying less to insure your 2005 Ford Excursion by improving your rating. Insureds that have excellent credit scores tend to be more responsible than drivers who have poor credit.
  • Careless drivers pay higher costs – How you drive has a huge affect on how much you pay. Having just one speeding ticket could increase your next policy renewal twenty percent or more. Drivers who don’t get tickets get better rates compared to bad drivers. Drivers who have received severe violations such as DWI, reckless driving or hit and run convictions may need to complete a SR-22 with their state’s department of motor vehicles in order to legally drive.
  • Never let your car insurance policy lapse – Having a gap between insurance policy dates can be a guaranteed way to increase your rates. Not only will you pay higher rates, being ticketed for driving with no insurance can result in a revoked license or a big fine. You could then be forced to file a SR-22 with your state DMV.
  • Urban areas may pay more – Choosing to live in small towns and rural areas can be a good thing when insuring your vehicles. People in densly populated areas have to deal with congested traffic and longer commutes to work. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates.

Insurance quotes and discounts

Some companies don’t necessarily list every possible discount very clearly, so we break down some of the more common and also the lesser-known insurance savings.

  • Buy New and Save – Buying a new car instead of a used car can get you a discount since newer models are generally safer.
  • Early Renewal Discounts – Some larger companies give discounts for buying a policy prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Homeowners Savings – Just being a homeowner may trigger a policy discount on insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • Active Service Discounts – Being on active deployment in the military may lower your insurance rates slightly.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • E-sign – Some of the larger companies give back up to $50 for buying your policy digitally online.
  • Distant College Student Discount – College-age children who live away from home to go to college and do not have a car can be insured at a reduced rate.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy a life insurance policy as well.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Insuring more than one vehicle with one company can reduce the rates for all insured vehicles.

Remember that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

A list of insurance companies and some of the premium reductions they offer include:

  • Geico may have discounts that include driver training, multi-policy, emergency military deployment, military active duty, federal employee, and anti-lock brakes.
  • USAA may offer discounts for loyalty savings, vehicle storage, multi-vehicle, family discount, and defensive driver.
  • Progressive may include discounts for online quote discount, multi-policy, online signing, multi-vehicle, and homeowner.
  • American Family offers discounts including TimeAway discount, early bird, Steer into Savings, multi-vehicle, and accident-free.
  • Esurance offers discounts for safety device, online shopper, emergency road assistance, good student, Pac-12 alumni, and claim free.
  • Farmers Insurance discounts include distant student, homeowner, switch companies, teen driver, early shopping, and alternative fuel.
  • State Farm has discounts for anti-theft, defensive driving training, accident-free, multiple autos, and good driver.

Before buying, ask each company or agent how you can save money. Discounts may not be offered in your state. To choose companies with discount rates, click this link.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • If I drive on a suspended license am I covered?
  • Is rental equipment covered for theft or damage?
  • What are the best liability limits?
  • Is a new car covered when I drive it off the dealer lot?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will my insurance pay for OEM parts?
  • Is my trailer covered?
  • Is my 2005 Ford Excursion covered for smoke damage?
  • What is PIP insurance?

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 want to speak to an agent in your area, simply complete this short form.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

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 claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage protection

Collision coverage will pay to fix damage to your Excursion resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability coverages

This coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have 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 can pay for claims such as legal defense fees, loss of income, bail bonds, funeral expenses and pain and suffering. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, rock chips in glass and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage kick in for bills for things like prosthetic devices, rehabilitation expenses, surgery, EMT expenses and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

Cheap 2005 Ford Excursion insurance is definitely available from both online companies as well as from insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. Some companies don’t offer online rate quotes and these small insurance companies sell through independent agents.

Drivers change insurance companies for a variety of reasons including policy cancellation, denial of a claim, high rates after DUI convictions or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

You just read some good ideas how you can get a better price on 2005 Ford Excursion insurance. The most important thing to understand is the more you quote insurance, the better your comparison will be. You may even find the lowest priced insurance coverage comes from a small mutual company.

More information is located at the links below