Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Want lower auto insurance rates for your Ford Excursion? Do you think you bought overpriced auto insurance? You’re in good company because many consumers are in the same pinch. Insurance companies such as Allstate, Liberty Mutual and State Farm persitently shower you with ad campaigns and it can be hard to see past the geckos and flying pigs and find the best price available.

If you are insured now or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know the most efficient way to get comparison quotes online.

How to compare auto insurance price quotes

Lowering your 2000 Ford Excursion auto insurance rates is pretty simple and can save money. Just spend a little time to get quotes online with multiple companies. Shoppers can get rates using one of these methods.

  • The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating boring form submissions for each company. Filling out one form gets prices estimates from auto insurance companies with the best prices.
  • Another way to get comparison quotes consists of going to each company website and request a quote. For instance, we’ll pretend you want to see prices from GEICO, Liberty Mutual and GMAC. To do that, you would have to go to each individual site and punch in your information repeatedly, which is why the first method is more popular. For a list of companies in your area, click here.

Whichever way you choose to compare rates, make darn sure you compare apples-to-apples coverage data for every company. If your comparisons have different deductibles then you won’t be able to determine which rate is truly the best.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Slash your insurance coverage rates with discounts

Companies that sell car insurance don’t always publicize every available discount in a way that’s easy to find, so the next list breaks down a few of the more common and the more hidden credits available to bring down your rates.

  • Active Military Service – Being on active duty in the military could be rewarded with lower insurance coverage rates.
  • Accident Free – Good drivers with no accidents pay less when compared to drivers who are more careless.
  • Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount on all vehicles.
  • Low Mileage – Keeping the miles down on your Ford may enable drivers to earn substantially lower prices.
  • Pay Early and Save – By making one initial payment rather than spreading payments over time you could save 5% or more.
  • Discounts for Good Drivers – Insureds who avoid accidents can save as much as half off their rates for Excursion coverage than drivers with accident claims.

As is typical with insurance, some of the credits will not apply the the whole policy. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to see a list of insurance coverage companies with discount rates, click this link.

Choices you make can impact your insurance rates

Many different elements are used in the calculation when premium rates are determined. Some factors are common sense like a motor vehicle report, but other criteria are more obscure like where you live or how safe your car is.

The itemized list below are a partial list of the pieces used by insurance companies to determine your rates.

  • Guys pay more for insurance coverage – Over the last 30 years, statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Women and men are responsible for accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Save by driving vehicles with better crash test results – Safe vehicles can get you lower premiums. Highly rated vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company and lower rates for you. If your Ford Excursion is rated at least four stars on you may pay a lower rate.
  • Stay claim-free and save – If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Companies provide discounts to policyholders who are not frequent claim filers. Insurance coverage is designed for the large, substantial claims.
  • Poor driving habits means higher premiums – Good drivers have lower premiums as compared to careless drivers. Having a single ticket may cause rates to rise twenty percent or more. Drivers with license-revoking citations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to legally drive.
  • Vehicle options that cut auto insurance rates – Owning a car with a theft deterrent system can save you some money. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.
  • Is you occupation costing you more? – Did you know your job can affect your rates? Careers like lawyers, architects and emergency personnel generally have higher average rates because of high stress and extremely grueling work hours. Other professions such as actors, athletes and retirees pay the least for Excursion coverage.
  • How credit rating affects auto insurance premiums – An insured’s credit rating is a large factor in determining what you pay. If your credit score can use some improvement, you could potentially save money when insuring your 2000 Ford Excursion if you improve your credit rating. People that have excellent credit tend to file fewer claims as compared to drivers with poor credit.

You are unique and your insurance should be too

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For instance, these questions can help discover if you would benefit from an agent’s advice.

  • Does coverage extend to a rental car in a foreign country?
  • Is business equipment covered while in my vehicle?
  • Am I covered when driving on a suspended license?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the minimum liability in my state?
  • Am I missing any policy discounts?
  • Do I need higher collision deductibles?
  • Will my rates increase for filing one claim?
  • Can I make deliveries for my home business?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specific coverage details

Having a good grasp of your insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Collision insurance

Collision coverage will pay to fix damage to your Excursion resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Ford Excursion.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, vandalism, a broken windshield and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage pay for bills for chiropractic care, prosthetic devices, nursing services and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

This provides protection from damage that occurs to other people or property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like bail bonds, pain and suffering, court costs, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Buy online or local, you save

Low-cost 2000 Ford Excursion insurance is possible both online and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some companies do not offer online price quotes and these small insurance companies only sell through local independent agencies.

As you quote car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest cost.

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