2012 Ford Expedition Car Insurance Quotes

Consumers have a choice when looking for low-cost Ford Expedition insurance. They can either spend hours contacting agents to compare prices or use the internet to make rate comparisons. There are both good and bad ways to buy insurance so you’re going to learn the quickest way to price shop coverage for a new or used Ford and find the lowest price either online or from local insurance agents.

It’s a great practice to get comparison quotes every six months because insurance prices are variable and change quite frequently. Just because you had the lowest rates for Expedition coverage a few years ago there may be better deals available now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the fastest way to lower your rates without sacrificing coverage.

How to lower your insurance coverage cost

There are a lot of ways to compare insurance coverage quotes, but there is one way that is more efficient than others. You could spend the better part of a day talking to insurance companies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to an insurance system where prospective buyers send in one quote, and at least one company then returns a price quote based on the submitted data. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To submit your quote information now, click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which insurance companies you want to price. So if you want to choose individual companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

The approach you take is up to you, just make darn sure you compare exactly the same coverages and limits for each comparison quote. If you have different coverage information you can’t possibly decipher which rate is best.

Take policy discounts and save

Companies don’t always list every available discount very clearly, so the list below details both the well known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

• Low Mileage Discounts – Low annual miles could qualify for cheaper rates.
• Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.
• Employee of Federal Government – Active or former government employment can earn a discount up to 10% for Expedition coverage with a few insurance companies.
• Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
• Active Military Service – Being deployed in the military could trigger a small discount.
• Accident Waiver – Not necessarily a discount, but some insurance companies allow you one accident without the usual rate increase if you have no claims before the accident.

Just know that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The best insurance companies and their possible discounts are shown below.

• State Farm discounts include anti-theft, defensive driving training, accident-free, good driver, and multiple autos.
• Geico may include discounts for anti-theft, driver training, five-year accident-free, seat belt use, multi-vehicle, and good student.
• Allstate may offer discounts for multi-policy, utility vehicle, FullPay discount, new car, and anti-lock brakes.
• SAFECO has discounts for accident prevention training, teen safety rewards, drive less, anti-theft, teen safe driver, homeowner, and multi-car.
• Farm Bureau has savings for renewal discount, 55 and retired, multi-vehicle, driver training, and good student.
• Progressive policyholders can earn discounts including online quote discount, continuous coverage, online signing, multi-vehicle, multi-policy, and homeowner.
• AAA offers discounts including good driver, multi-policy, anti-theft, pay-in-full, education and occupation, and good student.

If you need cheaper car insurance quotes, ask every insurance company which discounts they offer. Discounts may not apply to policyholders in your area. To locate insurers with significant discounts, click this link.

Which policy gives me the best coverage?

When buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether or not you could use an agent’s help.

• How much liability insurance is required?
• Should I have a commercial auto policy?
• Is my custom paint covered by insurance?
• Is rental equipment covered for theft or damage?
• When can my company non-renew my policy?
• Should I buy full coverage?
• When would I need additional glass coverage?
• What vehicles should carry emergency assistance coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This pays for 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 can pay for things such as hitting a bird, theft, a broken windshield, vandalism and falling objects. The maximum amount a 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.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Liability

This provides protection from damage that occurs to people or other property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair costs for stationary objects, structural damage, loss of income, court costs and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Expedition.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for ambulance fees, surgery, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay