Save on 2008 Ford Expedition Insurance Quotes

Buyers have options when searching for low-cost Ford Expedition insurance. They can either waste time contacting agents getting price quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the quickest way to quote coverages for a new or used Ford and get the best price possible.

You need to do price comparisons at least once a year because insurance coverage rates fluctuate regularly. If you had the lowest premium rates on Expedition coverage two years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance coverage because you’re going to learn how to quote online to find better rates and still maintain coverage.

The purpose of this post is to teach you how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to know the proper way to get comparison quotes online.

Lower rates by qualifying for discounts

Companies offering auto insurance do not advertise every available discount in a way that’s easy to find, so here is a list a few of the more well known and also the lesser-known savings tricks you should be using when you buy insurance online. If you do not double check each discount you deserve, you are just wasting money.

  • Professional Memberships – Participating in a civic or occupational organization could qualify you for a break on your next auto insurance statement.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Expedition coverage with a few auto insurance companies.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Good Student – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Discount for Life Insurance – Larger auto insurance companies have a small discount if you purchase auto and life insurance together.
  • Accident Free – Insureds who avoid accidents and claims can save substantially in comparison to drivers with a long claim history.

It’s important to understand that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, nobody gets a free ride.

The best auto insurance companies and their offered discounts are detailed below.

  • State Farm offers premium reductions for defensive driving training, anti-theft, driver’s education, Drive Safe & Save, good driver, accident-free, and Steer Clear safe driver discount.
  • Geico may include discounts for five-year accident-free, emergency military deployment, federal employee, defensive driver, and seat belt use.
  • Liberty Mutual discounts include new move discount, multi-policy, safety features, good student, exclusive group savings, and new graduate.
  • The Hartford policyholders can earn discounts including good student, anti-theft, bundle, driver training, and vehicle fuel type.
  • MetLife has savings for good driver, good student, accident-free, claim-free, and multi-policy.
  • Progressive includes discounts for online signing, good student, continuous coverage, online quote discount, multi-policy, and multi-vehicle.

If you want low cost insurance quotes, ask every company how you can save money. All car insurance discounts may not be available everywhere. To see insurers that offer the discounts shown above, follow this link.

How to lower your insurance cost

There are several ways to shop for insurance, and some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance companies in your area, or you could use the web to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company can give them a price based on that information. This prevents consumers from doing form submissions for each company.

To compare rates now click here to start a free quote.

The only drawback to using this type of form is you cannot specify the insurers you will receive quotes from. If you prefer to choose specific providers for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use nearly identical coverages for each comparison quote. If you compare different deductibles it will be impossible to determine which rate is truly the best.

Insurance coverage is unique, just like you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Does insurance cover tools stolen from my truck?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is business equipment covered while in my vehicle?
  • When can my company non-renew my policy?
  • What if I owe more than I can insure my car for?
  • I have a DUI can I still get coverage?
  • How high should my medical payments coverage be?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages and their meanings

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, theft and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, nursing services, EMT expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Coverage for collisions

Collision insurance will pay to fix damage to your Expedition resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox, colliding with a tree, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like emergency aid, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Saving money is sweet as honey

You just read quite a bit of information on how to reduce 2008 Ford Expedition insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest premium rates come from a small mutual company.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cost effective 2008 Ford Expedition insurance can be found from both online companies in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not offer rates over the internet and most of the time these regional insurance providers prefer to sell through independent insurance agencies.

For more information, link through to the following helpful articles: