Lower Your 2015 Ford Expedition Insurance Rates

Finding the cheapest insurance for a Ford Expedition can turn out to be an all-consuming task, but you can use our auto insurance buying tips to make it easier. There is a better way to shop for auto insurance and we’ll show you the absolute fastest way to price shop coverage for your Ford and obtain the lowest possible price from local insurance agents and online providers.

You should make it a habit to do rate comparisons on a regular basis because prices are usually higher with each renewal. Just because you found the lowest price on Expedition coverage last year you can probably find a better rate now. Block out anything you think you know about auto insurance because you’re going to learn the easiest way to reduce your cost while increasing coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can learn to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to know the most effective way to compare rates online.

Take policy discounts and save

Insurance coverage is not an enjoyable expense, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you don’t get every credit you deserve, you are throwing money away.

  • Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Membership in Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.
  • College Student – who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Driving Data Discount – Drivers that enable their insurance coverage company to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
  • Homeowners Discount – Just owning your own home may earn you a small savings because maintaining a house requires personal responsibility.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote in comparison to drivers with a long claim history.
  • Multiple Policy Discount – If you combine your auto and home policies and place coverage with the same company you may save approximately 10% to 15%.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new vehicles have better safety ratings.

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works. But all discounts will help reduce the amount you pay for coverage.

Some of the insurance companies that have most of these discounts possibly include:

Double check with all the companies to give you their best rates. Some discounts listed above might not be offered in your area. To see insurers who offer cheap insurance coverage quotes, click this link.

Compare insurance quotes

Many insurance companies give coverage price quotes from their websites. Getting online rates is very simple as you just type in into the quote form. After the form is submitted, their rating system will obtain credit information and your driving record and returns a price based on these and other factors.

Quoting online makes it simple to compare prices but the time required to go to each company’s website and repetitively type in the same data can be a bit tiresome and repetitive. But it’s very important to do this if you are searching for the lowest insurance rates.

Online rates the easy way

A less time-consuming method to find cheaper rates uses just one form to obtain quotes from several different companies. This type of form saves time, requires less work, and makes price shopping online a lot less work. After sending the form, it is rated and you are able to buy your choice of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To save time and find out how much you can save on insurance, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you type in your coverages exactly as they are listed on your policy. Doing this assures you will receive rate quotes based on the exact same insurance coverage.

Which policy gives me the best coverage?

When buying the best auto insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I find DUI or SR-22 insurance?
  • I have a DUI can I still get coverage?
  • What is the rate difference between pleasure use and commuting?
  • Should I carry comprehensive and collision coverage?
  • If my pet gets injured in an accident are they covered?
  • Is my ex-spouse still covered by my policy?
  • Am I insured when driving a different vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for expenses for things like ambulance fees, hospital visits, rehabilitation expenses, surgery and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, a tree branch falling on your vehicle and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Ford Expedition.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability car insurance – Liability coverage can cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like medical services, emergency aid and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Feed the piggy bank

When searching for inexpensive auto insurance quotes, never skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best cost, not the least amount of coverage.

Lower-priced 2015 Ford Expedition insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide rate quotes online and these smaller providers only sell through independent agencies.

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, not issuing a premium refund, delays in responding to claim requests or even denial of a claim. No matter why you want to switch, finding the right insurance coverage provider can be easy and end up saving you some money.

Additional detailed information can be read by following these links: