Cheap 2014 Ford Expedition Insurance Cost

Nobody looks forward to paying premiums for insurance, in particular when they could lower their rates if they shopped around.

Companies like Geico and Progressive increase brand awareness with TV and radio ads and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a good idea to quote other rates before your policy renews because rates change regularly. Just because you found the best premium rates for Expedition insurance two years ago you will most likely find a better price today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

Where can I get affordable insurance coverage?

There are a lot of ways to compare insurance coverage prices and some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use the web to quickly compare rates.

Many popular insurance companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company then gives them pricing based on the submitted data. This eliminates the need for quote requests for every insurance coverage company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to comparing rates this way is that consumers can’t choose which companies to receive prices from. So if you prefer to choose specific providers to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but do your best to use equivalent coverages and limits with every price quote. If you are comparing different coverage information it will be nearly impossible to determine the best price for your Ford Expedition. Slightly different coverages could mean much higher rates. And when price shopping your coverage, quoting more gives you a better chance of getting a lower rate than you’re paying now.

Insurance coverage can be complex

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions could help you determine whether or not you might need professional guidance.

  • When should I remove comp and collision on my 2014 Ford Expedition?
  • Why is insurance for a teen driver so high?
  • Does liability extend to a camper or trailer?
  • What is no-fault insurance?
  • Why am I required to buy liability insurance?
  • What is the minimum liability in my state?
  • When should I buy a commercial auto policy?
  • Is pleasure use cheaper than using my 2014 Ford Expedition to commute?
  • Will filing a claim cost me more?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Specific coverages for a Ford Expedition

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like chiropractic care, surgery, ambulance fees and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, crashing into a ditch, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Ford Expedition.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from flooding, damage from a tornado or hurricane, a broken windshield and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, medical services and attorney fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.