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 26, 2018

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Want lower insurance coverage rates for your Ford Excursion? Trying to find low-cost insurance for a Ford Excursion could be a painful process, but you can use a few tricks to save time. There is a better way to shop for insurance coverage and you need to know the best way to compare rates for a new or used Ford and get the cheapest rates from local insurance agents and online providers.

It is always a good idea to compare rates occasionally because prices change quite often. Even if you got the best rates on Excursion insurance a couple years back other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re about to find out the only way to find great coverage at a great price.

If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Pricing the lowest cost auto insurance coverage is not that difficult. Consumers just need to understand how to compare price quotes over the internet.

Earn discounts on insurance

Insurance can cost an arm and a leg, but companies offer discounts that can dramatically reduce your bill. Many discounts should be triggered when you quote, but occassionally some discounts must be asked for prior to receiving the credit.

  • Military Rewards – Having a deployed family member could mean lower insurance rates.
  • Homeowners Discount – Just owning your own home can save you money because it requires personal responsibility.
  • Claim-Free Discount – Drivers who stay claim-free have much lower rates when compared to accident-prone drivers.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations is a simple method to lower premiums when shopping for insurance.
  • Paper-free Discount – Many insurance companies provide a small discount simply for signing online.
  • Include Life Insurance and Save – Some insurance companies give a lower premium rate if you buy life insurance.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can save as much as half off their rates on Excursion insurance as compared to drivers with claims.

Discounts save money, but please remember that many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. Even though the math looks like adding up those discounts means a free policy, companies wouldn’t make money that way.

Companies and some of their more popular discounts are detailed below.

  • Progressive may include discounts for good student, multi-vehicle, online quote discount, multi-policy, and homeowner.
  • SAFECO may offer discounts for safe driver, anti-lock brakes, anti-theft, bundle discounts, and drive less.
  • American Family has discounts for bundled insurance, multi-vehicle, TimeAway discount, air bags, early bird, accident-free, and defensive driver.
  • MetLife offers discounts including good driver, multi-policy, accident-free, good student, and claim-free.
  • GEICO may have discounts that include military active duty, defensive driver, seat belt use, federal employee, membership and employees, and emergency military deployment.
  • The Hartford includes discounts for air bag, driver training, vehicle fuel type, anti-theft, bundle, good student, and defensive driver.

If you want low cost car insurance quotes, ask every prospective company to apply every possible discount. All car insurance discounts might not be available to policyholders in your area. For a list of insurance companies that offer multiple discounts, click this link.

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

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How to buy car insurance

Performing a rate comparison can be a daunting task if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many companies take part in a program that allows shoppers to complete one form, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quotation requests for each company.

To compare rates now click to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which providers to get quotes from. If you wish to select individual companies for rate comparison, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

Compare rates however you want, just compare the exact same coverage limits and deductibles on every quote you get. If your comparisons have different coverage information you will not be able to make a fair rate comparison.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Do I need special endorsements for business use of my vehicle?
  • Should I carry comprehensive and collision coverage?
  • What companies insure drivers after a DUI or DWI?
  • Does insurance cover tools stolen from my truck?
  • Is business property covered if stolen from my car?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Misconceptions in insurance coverage advertisements

Consumers get pounded daily by advertisements that claim the best premium rates from the likes of State Farm, Allstate and GEICO. They all seem to try to convey promises that drivers can save some big amount if you get a free car insurance quote and switch to their company.

That’s great but how can every company say the same thing? This is the trick they use.

Insurance providers have strict underwriting profiles for the type of driver that earns them the most money. An example of a desirable risk might be described as between the ages of 30 and 45, has no tickets, and chooses high deductibles. Anyone who fits those characteristics will get low car insurance rates and therefore will cut their rates if they switch.

Potential customers who are not a match for these stringent criteria may be forced to pay higher premiums which translates to business going elsewhere. The trick companies use is to say “customers that switch” not “all people who quote” save that much money. That’s the way companies can claim big savings. This emphasizes why you should get price quotes at each policy renewal. It’s just not possible to know the company that will give you lower prices than your current company.

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

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Auto insurance coverages

Having a good grasp of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2005 Ford Excursion.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, ambulance fees, funeral costs, dental work and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This coverage can cover damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, structural damage and attorney fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Collision coverages – Collision coverage pays for damage to your Excursion from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More quotes mean more savings

Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, delays in paying claims or being labeled a high risk driver. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.

We just presented some good ideas how to save on 2005 Ford Excursion insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where someone dropped collision coverage only to regret they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford.

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