Lower Your 2008 Ford Expedition EL Insurance Quotes

Comparing insurance quotes online can be difficult if you are one of the many people who have never used online rate quotes. But don’t be overwhelmed because finding better prices is actually fairly simple.

You need to do price comparisons as often as possible since prices change frequently. Even if you got the lowest rate on Expedition EL insurance a couple years back other companies may now be cheaper. There is lot of inaccurate information about car insurance online, but in this article, you’re going to get the easiest ways to lower your car insurance bill.

Take advantage of every auto insurance discount

Auto insurance is neither fun to buy or cheap, but you may qualify for discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but a few need to be inquired about before they will apply.

  • Low Mileage Discounts – Fewer annual miles on your Ford can qualify you for substantially lower prices.
  • Memberships – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your next auto insurance statement.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
  • No Claim Discounts – Drivers with accident-free driving histories get the best auto insurance rates compared to drivers with a long claim history.
  • Data Collection Discounts – People who choose to allow data collection to spy on driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
  • Resident Student – Any of your kids who are attending college and leave their car at home may qualify for this discount.
  • Good Grades Discount – Getting good grades can save 20 to 25%. The discount lasts until age 25.

Just know that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts will cut the premium cost.

A list of auto insurance companies and a summarized list of policyholder discounts are shown below.

  • State Farm may have discounts that include passive restraint, safe vehicle, student away at school, defensive driving training, and Steer Clear safe driver discount.
  • Geico discounts include daytime running lights, military active duty, driver training, seat belt use, anti-lock brakes, and air bags.
  • Liberty Mutual may offer discounts for multi-car, preferred payment discount, newly married, multi-policy, and hybrid vehicle.
  • The Hartford offers premium reductions for vehicle fuel type, driver training, good student, anti-theft, defensive driver, air bag, and bundle.
  • MetLife offers discounts for defensive driver, claim-free, accident-free, good student, and multi-policy.
  • Progressive may include discounts for multi-policy, continuous coverage, multi-vehicle, good student, and online quote discount.

When getting free insurance quotes, it’s a good idea to each insurance company which discounts you qualify for. Some credits may not apply to policyholders everywhere. To view insurance companies that offer discounts, click here.

The quickest way to compare rates takes advantage of the fact almost all companies will pay a fee to provide you with a free rate quote. All you need to do is give them some information like if you are currently licensed, the make and model of your vehicles, how your vehicles are used, and if a SR-22 is needed. Your details is sent automatically to multiple different insurance companies and you get price estimates instantly to find the best rate.

How to know if you need help

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • How high should deductibles be on a 2008 Ford Expedition EL?
  • Does coverage extend to Mexico or Canada?
  • Is a new car covered when I drive it off the dealer lot?
  • When should I drop full coverage on my 2008 Ford Expedition EL?
  • Which is better, split liability limits or combined limits?
  • What are the financial responsibility laws in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered by my spouse’s policy after a separation?
  • Can I get a multi-policy discount?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Detailed coverages of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, chiropractic care and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – This coverage covers damage to your Expedition EL from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, colliding with another moving vehicle, backing into a parked car, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, falling objects, vandalism and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – This will cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, attorney fees, emergency aid, bail bonds and structural damage. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 2008 Ford Expedition EL.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Be a money saver!

We’ve covered a lot of techniques to shop for 2008 Ford Expedition EL insurance online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest priced insurance coverage comes from some of the smallest insurance companies.

Drivers switch companies for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, high prices or being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company can be less work than you think.

Low-cost 2008 Ford Expedition EL insurance can be found on the web and from local insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. A few companies do not offer online rate quotes and usually these regional carriers work with independent agencies.

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