2007 Ford Expedition Car Insurance Quotes – 9 Ways to Save

Looking for the cheapest car insurance rates for your Ford Expedition? Price shopping your Driverscar insurance can seem to be slightly frustrating for drivers who are beginners to comparing prices online. With so many insurance agents and companies, it can turn into a big hassle to find more affordable car insurance rates.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Finding the cheapest car insurance coverage is quite easy. But car owners must know how the larger insurance companies compete online and take advantage of how the system works.

How to compare auto insurance rate quotes

Effectively comparing auto insurance prices is a ton of work if you don’t know the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use the web to get the quickest rates.

Most of the best insurance companies participate in an industry program where insurance shoppers submit one quote, and each participating company returns a rated price determined by their information. This eliminates the need for repetitive form submissions for every auto insurance company.

To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to doing it this way is that consumers can’t choose which companies you want to price. So if you prefer to choose individual companies to compare, we put together a list of companies who write auto insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but do your best to enter nearly identical coverage data for each price quote. If your comparisons have different values for each quote it will be next to impossible to truly determine the lowest rate. Even a minor difference in coverage limits may result in large price differences. Just keep in mind that quoting more helps you find the best offered rates. Some insurance companies are not set up to provide online rate quotes, so it’s recommended that you also compare price quotes from them as well.

Drivers who switch save $404 a year? Really?

Respected companies like Progressive, Allstate and Geico seem to constantly run ads in print and on television. All the companies make the point that people will save if you switch your auto insurance coverage to their company. How is it plausible that every one can offer you a better deal? It’s all in how they say it.

All companies offer their best rates for a prospective insured that will add to their bottom line. A good example of this type of driver might have to be a married male, has a clean driving record, and chooses high deductibles. Any driver who fits that profile will get a cheap rate quote and most likely will save some money.

Potential insureds who are not a match for the “perfect” profile will get a higher rate and this results in business going elsewhere. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can truthfully advertise the savings. Because each company has a different risk profile, you should get auto insurance quotes as often as possible. It’s just too difficult to predict which insurance companies will have the lowest rates.

Cheaper car insurance rates with discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you quote, but some need to be manually applied before being credited.

  • Homeowners Savings – Owning a house can help you save on car insurance because maintaining a house requires personal responsibility.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premium rates.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like State Farm and Progressive will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims before the accident.
  • Driver Education Discount – Require your teen driver to take driver’s ed class as it can save substantially.
  • Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% on Expedition coverage but check with your company.
  • Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Low Miles Discount – Fewer annual miles on your Ford can earn lower premium rates due to less chance of an accident.
  • Multi-policy Discount – If you combine your auto and home policies and insure them with the same company you could get a discount of nearly 15% which can help you find inexpensive auto insurance.
  • Save over 55 – If you qualify as a senior citizen, you are able to get a small decrease in premiums on Expedition coverage.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, you’re out of luck.

A list of car insurance companies and a selection of discounts are outlined below.

  • State Farm policyholders can earn discounts including passive restraint, student away at school, defensive driving training, anti-theft, and good driver.
  • Farmers Insurance may offer discounts for electronic funds transfer, teen driver, switch companies, youthful driver, pay in full, and distant student.
  • Progressive offers discounts including multi-policy, online quote discount, multi-vehicle, continuous coverage, and online signing.
  • Geico offers discounts for multi-vehicle, five-year accident-free, membership and employees, seat belt use, emergency military deployment, and anti-theft.
  • Auto-Owners Insurance may have discounts that include multiple vehicles, anti-theft, group or association, paid in full, and student away at school.
  • The Hartford offers premium reductions for air bag, driver training, good student, anti-theft, defensive driver, and vehicle fuel type.
  • Farm Bureau has savings for multi-vehicle, driver training, safe driver, 55 and retired, multi-policy, and youthful driver.
  • USAA includes discounts for multi-policy, safe driver, family discount, loyalty savings, and new vehicle.

When quoting, ask every company which discounts you qualify for. Depending on the company, some discounts may not apply in your area. To locate car insurance companies with discount rates, click here.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • If my pet gets injured in an accident are they covered?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability coverage do I need in my state?
  • What is no-fault insurance?
  • How do I file an SR-22 for a DUI in my state?
  • How do I buy GAP insurance?
  • Is my cargo covered for damage or theft?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Specifics of your car insurance policy

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage pays for damage to your Expedition from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, sideswiping another vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2007 Ford Expedition.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage – This protects you from injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical services, funeral expenses, pain and suffering, attorney fees and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding, a tree branch falling on your vehicle, hitting a deer and falling objects. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like prosthetic devices, X-ray expenses, ambulance fees and hospital visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

People leave their current company for a variety of reasons including policy non-renewal, unfair underwriting practices, lack of trust in their agent or even not issuing a premium refund. It doesn’t matter why you want to switch finding a new insurance company is pretty simple and you could end up saving a buck or two.

When searching for the cheapest auto insurance quotes, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Low-cost 2007 Ford Expedition insurance can be found from both online companies and from local agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and usually these regional carriers work with independent insurance agents.

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