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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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Finding cheaper insurance for a Ford Excursion can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to make it easier. There is a right way and a wrong way to buy insurance coverage and we’ll show you the absolute fastest way to quote coverages for your Ford and obtain the cheapest rates.

Consumers should take time to get comparison quotes quite often because insurance coverage prices change frequently. Just because you had the lowest rate on Excursion coverage at your last renewal there may be better deals available now. There is a lot of wrong information about insurance coverage online but I’m going to show you some guaranteed methods to lower your insurance coverage rates.

Buying car insurance is not rocket science. If you have insurance now or need new coverage, you can use this information to find the best rates and still get good coverage. Consumers just need to understand the tricks to compare company rates over the internet.

Do you qualify for discount car insurance?

Not many people think insurance is cheap, but there could be available discounts that you may not know about. Many of these discounts will be applied automatically at the time of quoting, but less common discounts must be inquired about before being credited.

  • Switch and Save Discount – A few larger companies allow discounts for switching policies before your current policy expires. This can save 10% or more.
  • 55 and Retired – If you qualify as a senior citizen, you can get better car insurance rates on Excursion coverage.
  • Waiver for an Accident – Not a discount per se, but some companies like Libery Mutual, GEICO and Allstate will forgive one accident before they charge you more for coverage so long as you are claim-free for a specific time period.
  • Driver Training Discounts – Passing a course in driver safety may get you a small discount and make you a better driver.
  • Accident Free – Drivers with accident-free driving histories pay less in comparison with bad drivers.
  • Discount for Home Ownership – Owning a house may trigger a policy discount on car insurance since home ownership requires personal responsibility.
  • Drive Less and Save – Low annual miles could be rewarded with lower car insurancerates due to less chance of an accident.

We need to note that some credits don’t apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

Popular car insurance companies and the discounts they provide can be found below.

  • The Hartford may include discounts for defensive driver, air bag, bundle, good student, driver training, and vehicle fuel type.
  • American Family discounts include good student, mySafetyValet, defensive driver, air bags, accident-free, and Steer into Savings.
  • Progressive policyholders can earn discounts including online quote discount, multi-vehicle, online signing, multi-policy, homeowner, continuous coverage, and good student.
  • Travelers may have discounts that include save driver, multi-car, good student, multi-policy, early quote, and new car.
  • Farmers Insurance offers discounts including switch companies, multi-car, pay in full, youthful driver, mature driver, electronic funds transfer, and distant student.
  • USAA has savings for multi-policy, annual mileage, safe driver, new vehicle, family discount, and defensive driver.
  • Liberty Mutual has discounts for newly married, newly retired, exclusive group savings, multi-car, new graduate, and new move discount.

Check with all companies you are considering which credits you are entitled to. Discounts may not be available everywhere. To find providers that offer some of these discounts, follow this link.

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

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Eight factors that affect insurance prices

Many things are used when you get your auto insurance bill. Most are fairly basic like an MVR report, but other criteria are more transparent such as whether you are married and annual miles driven.The best way to find cheaper insurance coverage is to take a look at the different types of things that play a part in calculating the rates you pay for insurance coverage. When you understand what determines base rates, this allows you to make good choices that could help you find lower insurance coverage prices.

  • You may save more by bundling policies – Most major insurers afford discounts to clients that buy multiple policies in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even if you qualify for this discount already, you still need to shop around to confirm you are receiving the best rates possible.
  • Men pay higher costs – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean females are better drivers. Females and males are in at-fault accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like reckless driving and DUI.
  • Insurance coverage lapses lead to higher rates – Driving without insurance is not a good idea and any future policy may cost more because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department.
  • Bump up comp and collision deductibles to lower rates – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of some claims that would be covered are running into the backend of another car, flood damage, or theft. Comprehensive and collision coverage deductibles tell how much you are required to pay if the claim is covered. The higher the amount you’re willing to pay, the less your company will charge you for insurance on Excursion coverage.
  • Big city or small town – Having an address in a rural area is a good thing when it comes to insurance coverage. Urban drivers regularly have more auto accidents and longer commute times. Less people living in that area corresponds to lower accident rates.
  • How’s your driving record? – Having just one chargable violation could increase your next policy renewal forty percent or more. Drivers who don’t get tickets get better prices than bad drivers. Drivers who have received serious violations like hit and run, DWI or reckless driving convictions may be required to complete a SR-22 with their state in order to keep their license.
  • Insurance coverage claims cost money – Companies generally give the best rates to people who are not frequent claim filers. If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is designed for the large, substantial claims.
  • Premiums are affected by your credit history – Your credit score can be a huge factor in your rate calculation. So if your credit rating leaves room for improvement, you may save money insuring your 2002 Ford Excursion by improving your rating. Insureds that have good credit tend to be better risks to insure than those with lower credit scores.

What insurance coverages do I need?

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • Will I lose any money if I cancel my policy before it expires?
  • How do I file an SR-22 for a DUI in my state?
  • Is my camper covered by my car insurance policy?
  • What is high-risk coverage and where do I buy it?
  • Is my babysitter covered when using my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages explained

Learning about specific coverages of car insurance can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Collision protection

This will pay to fix damage to your Excursion resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, fire damage, hail damage, a tree branch falling on your vehicle and hitting a deer. The most a car 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 not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like rehabilitation expenses, doctor visits and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Excursion.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

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

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Online plus local equals savings

When getting auto insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The goal is to buy enough coverage for the lowest price, but do not skimp to save money.

We’ve covered many tips how you can shop for 2002 Ford Excursion insurance online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with the smaller companies.

Consumers who switch companies do it for a variety of reasons including policy non-renewal, extreme rates for teen drivers, high rates after DUI convictions and even denial of a claim. Regardless of your reason for switching companies, choosing a new company is actually quite simple.

Additional information is available at the links below