Shoppers have a choice when shopping for low-cost Ford Expedition insurance. You can either spend your time driving around to get rate comparisons or use the internet to find the lowest rates.
There is a right way and a wrong way to shop for insurance coverage and we’ll show you the absolute fastest way to quote coverages for your Ford and find the lowest possible price.
It’s a great practice to compare prices once or twice a year because prices are constantly changing. Just because you had the lowest price for Expedition insurance a couple years back there may be better deals available now. Don’t believe everything you read about insurance coverage online but in this article, you’re going to get some of the best techniques to find affordable insurance coverage.
Cutting your insurance rates isn’t really that difficult. All that’s required is to invest a few minutes to get quotes to see which company has inexpensive car insurance quotes. You can get a good selection of rate quotes using a couple different methods.
One of the fastest ways to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This style of form keeps you from doing boring form submissions for every insurance company. One quote request gets you coverage quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
A more time consuming way to compare prices requires a trip to each company website and repeat the quote process again and again. For example, we’ll assume you need rates from Liberty Mutual, Farmers and State Farm. In order to get each rate, you would have to take the time to go to each site and punch in your information repeatedly, which is why most consumers use the first method. To view a list of companies in your area, click here.
The old school way to get price estimates is to drive around to insurance agents’ offices. The internet makes this process obsolete unless you require the trained guidance of a local agent. However, consumers can compare the best prices online but still have the advice of a local agent.
Whichever method you choose, make sure you use equivalent coverage information on every price quote you get. If you are comparing different liability limits it will be nearly impossible to determine which company has the best rates.
Buying car insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Some of these disounts will be visible at quote time, but less common discounts must be specially asked for prior to receiving the credit.
Don’t be shocked that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.
A list of companies and their possible discounts are outlined below.
If you need affordable car insurance quotes, ask each company or agent how you can save money. Some credits may not apply to policies in your area. To locate insurance companies that provide some of the discounts listed above, follow this link.
When buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.
For instance, these questions may help highlight if you might need professional guidance.
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Understanding the coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills for doctor visits, pain medications, hospital visits, dental work and nursing services. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible
Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hail damage, vandalism, theft, fire damage and falling objects. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision – This will pay to fix damage to your Expedition resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like scraping a guard rail, hitting a mailbox, crashing into a building, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Liability coverage – This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against things like pain and suffering, legal defense fees, attorney fees, medical expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1998 Ford Expedition.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Insureds who switch companies do it for many reasons like lack of trust in their agent, unfair underwriting practices, denial of a claim or poor customer service. Regardless of your reason for switching companies, choosing a new company can be less work than you think.
Budget-conscious 1998 Ford Expedition insurance can be found both online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not have price quotes online and most of the time these smaller companies prefer to sell through independent insurance agencies.
While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an insured cut liability limits or collision coverage only to find out that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.
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