2000 Ford Expedition Insurance Rates

Want the cheapest insurance coverage rates for your Ford Expedition? Trying to find the cheapest insurance for a new or used Ford Expedition can be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy insurance coverage and you need to know the best way to price shop coverage for a Ford and locate the lowest price either online or from local insurance agents.

The most recommended method to compare rates is to understand most insurance companies will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is take a few minutes to give details such as coverage limits, an estimate of your credit level, which vehicles you own, and if you require a SR-22. Your details is instantly submitted to insurance companies and you will receive price estimates very quickly.

Insurance Discounts

Car insurance companies don’t always list all available discounts in an easy-to-find place, so the list below details a few of the more well known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

  • Discounts for Multiple Vehicles – Drivers who insure multiple cars on the same insurance policy could earn a price break for each car.
  • Accident Forgiveness – Not a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual may permit one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Active Military Service – Being deployed with a military unit could trigger a small discount.
  • Data Collection Discounts – Drivers that enable their company to track driving manner by installing a telematics device like Allstate’s Drivewise may see discounts if they show good driving skills.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Organization Discounts – Being in qualifying clubs or civic groups is a simple method to lower premiums on your next insurance statement.
  • Claim Free – Drivers who don’t have accidents pay less as compared to insureds who have frequent claims or accidents.
  • Save with a New Car – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.
  • Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

Some of the larger companies that may offer quotes with these benefits include:

When getting a coverage quote, ask every company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in your area. To see a list of insurance companies with discount rates, follow this link.

Tailor your insurance coverage to you

When buying coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • Can I afford to pay high deductible claims out of pocket?
  • Can I still get insurance after a DUI?
  • Am I covered if I break a side mirror?
  • Do I have any recourse if my insurance company denies a claim?
  • What is the minimum liability in my state?
  • How do I buy GAP insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability auto insurance

Liability coverage can cover damage that occurs to other people or property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding and falling objects. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Ford Expedition.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like rehabilitation expenses, nursing services, pain medications and chiropractic care. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

This coverage will pay to fix damage to your Expedition resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.