2018 Ford Expedition Insurance Quotes

Are you sick and tired of not being able to scrape enough together to pay your auto insurance bill each month? You have the same problem as many other consumers. Vehicle owners have many insurance companies to buy insurance from, and even though it’s nice to have a selection, having more car insurance companies makes it harder to locate the cheapest rates.

It’s important to quote other rates before your next renewal because insurance prices are constantly changing. Even if you think you had the best deal on Expedition coverage a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to find out how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use these techniques to get lower rates and possibly find even better coverage. Drivers just need to know the proper way to compare price quotes online.

How to get insurance coverage quotes

Most major insurance companies give price estimates directly from their websites. Getting quotes doesn’t take a lot of time because you just enter the amount of coverage you want into the quote form. Upon sending the form, their system automatically orders your driving and credit reports and provides a quote. This helps simplify price comparisons, but the process of having to visit a lot of sites and type in the same information is repetitive and time-consuming. But it’s very important to perform this step in order to find the lowest price.

There is an easier way to compare rates

A better way to find lower prices utilizes a single form that gets prices from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online shopping much more efficient. After your information is entered, it is rated and you are able to buy any one of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and can result in significant savings.

In order to compare rates now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you type in exactly as they are listed on your policy. Using the same limits helps guarantee you will get a fair comparison for exact coverage.

These discounts can reduce car insurance rates

Car insurance is not cheap, but there could be significant discounts that can drop the cost substantially. Many discounts should be triggered when you quote, but a few must be asked for in order for you to get them.

  • Discounts for Good Drivers – Insureds without accidents could pay up to 40% less on Expedition coverage compared to accident prone drivers.
  • Data Collection Discounts – Drivers who agree to allow driving data collection to study when and where they use their vehicle by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
  • Low Miles Discount – Keeping the miles down on your Ford can qualify you for cheaper rates.
  • Accident Forgiveness – Not really a discount, but some companies like Allstate and Progressive will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims before the accident.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way.

Some companies that have many of the previously listed discounts include:

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in your area.

Insurance price influencing factors

Part of the car insurance buying process is learning some of the elements that come into play when calculating your premiums. If you know what determines premiums, this enables informed choices that can help you get cheaper rates. Multiple criteria are part of the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, but others are less apparent such as your marital status or how safe your car is.

  • More people means more accidents – Living in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Fewer people translates into fewer accident claims as well as less vandalism and auto theft. People in densly populated areas have to deal with more traffic problems and more time behind the wheel. More time commuting means more chance of being in an accident.
  • Stay claim-free and save money – If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance companies award the best rates to drivers who are not frequent claim filers. Insurance coverage is meant to be used in the event of larger claims.
  • Credit rating impacts premium costs – An insured’s credit score will be a significant factor in your rate calculation. Therefore, if your credit leaves room for improvement, you could potentially save money when insuring your 2018 Ford Expedition by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower ratings.
  • Low physical damage deductibles cost more – The deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage, aka comp and collision, insures against damage to your car. Examples of some claims that would be covered could be rearending another vehicle, hail damage, and damage caused by road hazards. The more of the claim you have to pay, the bigger discount you will receive on Expedition coverage.
  • Driving citations drive up costs – Careful drivers have lower premiums as compared to careless drivers. Having a single speeding ticket may increase your cost by twenty percent. Drivers who have gotten serious tickets like reckless driving or DUI may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Certain vocations raise premiums – Did you know your car insurance rates can be affected by your occupation? Jobs like fire fighterspolice officers and medical professionals tend to pay higher rates than the rest of us due to intense work requirements and long work days. Other careers like professors, students and homemakers pay lower than average rates on Expedition coverage.
  • Single drivers take more risk – Your spouse may cut your premiums when buying car insurance. It usually means you are more mature and statistics show being married results in fewer claims.

When do I need an agent’s advice?

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Is my teen driver covered when they drive my company car?
  • I have health insurance so do I need medical payments coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I put collision coverage on all my vehicles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When would I need rental car insurance?
  • Are rental cars covered under my policy?
  • Does my 2018 Ford Expedition qualify for pleasure use?
  • How can I find cheaper teen driver insurance?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Learn about insurance coverages for a Ford Expedition

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, hail damage, damage from a tornado or hurricane, hitting a deer and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Expedition resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Expedition.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability

This coverage will cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like repair costs for stationary objects, medical expenses and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like chiropractic care, hospital visits and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

You can do this!

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that it was a big mistake. The aim is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

We’ve covered quite a bit of information on how to reduce 2018 Ford Expedition insurance premium rates online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from an unexpected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Additional detailed information can be found in the articles below: