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Ford Expedition Insurance Rates

Buying auto insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to take the time to get rates from all companies in order to have the lowest priced insurance.

Shopping online for auto insurance is challenging if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. Getting better Expedition insurance cost can be surprisingly simple. Just take time to get quotes online from several insurance companies. This can be accomplished by comparing rates here.

What factors determine your insurance rates?

Auto insurance rates on a Ford Expedition can vary widely and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating
  • Male rates may be higher
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you rent or own your home

A final factor that helps determine Expedition insurance rates is the model year. Newer models cost more in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, newer vehicles may have a trim level with safety features like an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which can lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability - This can cover damages or injuries you inflict on people or other property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision coverage - Collision insurance covers damage to your Ford resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Expedition can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to get cheaper Expedition insurance rates.

Comprehensive auto coverage - This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Ford Expedition comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Ford Expedition Insurance Rates?