2007 Ford Expedition EL Insurance Cost – 9 Tricks for Best Prices

Want lower auto insurance rates? Drivers have lots of choices when trying to find affordable Ford Expedition EL insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to get rate quotes.

There are both good and bad ways to shop for auto insurance and you need to know the best way to compare rates for a Ford and locate the lowest price either online or from local insurance agents.

Quote auto insurance online

All major auto insurance companies such as Geico, State Farm and Progressive allow consumers to get price estimates directly from their websites. Obtaining pricing is quite simple as you just enter your coverage preferences into a form. Once you submit the form, the system automatically orders reports for credit and driving violations and returns a price quote based on many factors.

This makes it easy to compare insurance prices but the work required to visit each company’s website and repetitively type in your information gets old quite quickly. But it’s very important to compare as many rates as possible if you want to get lower prices.

The easiest way to locate the lowest prices requires only one form that gets price quotes from a bunch of companies at once. It saves time, eliminates repetitive work, and makes online shopping a little more enjoyable. Once the form is submitted, it is quoted and you can select any one of the quotes returned.

If a lower price is quoted, you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and you will know how your current rates stack up.

To use this form to compare rates, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you duplicate the coverages as shown on your current policy. Doing this assures you will have rate comparison quotes based on identical coverages.

Insurance coverage policy discounts you can’t miss

Insurance coverage is not inexpensive, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be requested specifically before being credited.

  • Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Discount for Life Insurance – Insurance coverage companies who offer life insurance give a discount if you purchase life insurance from them.
  • Low Miles Discount – Maintaining low annual mileage may allow you to get substantially lower premium rates.
  • Professional Memberships – Participating in a civic or occupational organization could trigger savings when shopping for insurance coverage.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Air Bag Discount – Factory options such as air bags could see savings of 20% or more.
  • Sign Online – Certain larger companies give back up to $50 for buying a policy and signing up on the internet.
  • Active Service Discounts – Having an actively deployed family member may lower your insurance coverage rates slightly.
  • 55 and Retired – Seniors can possibly qualify for a small decrease in premiums on Expedition EL coverage.

It’s important to note that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, that’s just not realistic.

For a list of providers offering insurance coverage discounts, click this link.

Insurance agents can help

When buying adequate coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Who is covered by my policy?
  • I have a DUI can I still get coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • How do I buy GAP insurance?
  • Can I rent a car in Mexico?
  • Am I covered when driving on a suspended license?
  • Is pleasure use cheaper than using my 2007 Ford Expedition EL to commute?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

The insurance coverage bait and switch

Consumers constantly see and hear ads that promise big savings for switching by Geico, State Farm and Progressive. All the companies make the point that drivers can save some big amount after switching your insurance coverage coverage to their company.

It sounds good, but how can they all make almost identical claims? You have to listen carefully.

All companies are able to cherry pick for the driver that will not have excessive claims. One example of a desirable risk might have to be over the age of 40, has few claims, and drives a lower-performance vehicle. Someone who matches those parameters receive the lowest rate quotes and will also save if they switch.

Potential customers who do not fit those criteria must pay a more expensive rate which translates to the customer not purchasing. The ads say “drivers that switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can confidently claim big savings.

This emphasizes why drivers should compare rate quotes every year. It is impossible to predict which insurance coverage company will provide the lowest rates.

Information about specific coverages

Knowing the specifics of insurance helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for EMT expenses, doctor visits and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Expedition EL.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, vandalism and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

This coverage can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, medical services, bail bonds and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Expedition EL caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Save for a rainy day

When trying to cut insurance costs, never buy less coverage just to save a little money. There are too many instances where someone sacrificed liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

We just showed you some good ideas how you can save on 2007 Ford Expedition EL insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper car insurance. You may be surprised to find that the best price on auto insurance is with the least-expected company.

Cost effective 2007 Ford Expedition EL insurance can be found online as well as from insurance agents, so get free car insurance quotes from both of them to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and most of the time these small insurance companies prefer to sell through independent agents.

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