2008 Ford Expedition EL Car Insurance Cost

Buyers have a choice when searching for affordable Ford Expedition EL insurance. You can either waste hours driving around trying to get quotes or use the internet to compare rates. There is a better way to shop for insurance coverage so we’re going to tell you the absolute fastest way to compare rates on a Ford and find the cheapest rates from local insurance agents and online providers.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to save some money using this information. Consumers only need to know the most efficient way to find the lowest price online.

How to buy auto insurance online

Getting a cheap price on 2008 Ford Expedition EL insurance is not rocket science. All you need to do is invest a little time getting comparison quotes online with multiple companies. Shoppers can get rates by following the guidelines below.

  • The fastest and easiest way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This quick form saves time by eliminating multiple quote forms for every prospective company. A single form gets prices estimates from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A different way to get quotes online is spending the time to visit each individual company website and complete a new quote form. For examples sake, let’s say you want to compare Allstate, Farmers and GEICO. You would need to visit each site and enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare nearly identical deductibles and coverage limits with every price quote. If you compare different data it will be nearly impossible to get a fair rate comparison.

Lower rate quotes with these insurance coverage discounts

Buying insurance coverage is not cheap, but you might find some hidden discounts that may help make it more affordable. Some of these disounts will be visible at the time you complete a quote, but some discounts are required to be inquired about before being credited.

  • Theft Deterent Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Cautious Driver Discount – Insureds who avoid accidents could pay up to 40% less on Expedition EL coverage as compared to drivers with claims.
  • Professional Memberships – Being a member of specific professional or occupational memberships or organizations may earn a discount when shopping for insurance coverage.
  • Early Renewal Discounts – Some larger companies provide a discount for renewing your policy prior to your current policy expiring. You can save around 10% with this discount.
  • Defensive Driver – Passing a course teaching defensive driving skills could earn you a small percentage discount if you qualify.
  • Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies will let one accident slide before your rates go up with the catch being you have to be claim-free for a certain period of time.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • No Accidents – Drivers with accident-free driving histories pay less as compared to frequent claim filers.

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

Some companies who might offer most of these discounts possibly include:

When getting a coverage quote, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. To locate insurance companies that offer the discounts shown above, follow this link.

Insurance can get complicated

When buying adequate coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • How does medical payments coverage work?
  • What is PIP insurance?
  • Am I insured when driving a different vehicle?
  • Is my custom paint covered by insurance?
  • What is covered by UM/UIM coverage?
  • Which is better, split liability limits or combined limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my 2008 Ford Expedition EL covered for flood damage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This covers damage to your Expedition EL resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, sustaining damage from a pot hole, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2008 Ford Expedition EL.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.


This coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of 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 limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like court costs, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, a tree branch falling on your vehicle, falling objects and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, rehabilitation expenses, EMT expenses and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

One last thing about your coverage

People change insurance companies for many reasons like questionable increases in premium, not issuing a premium refund, high rates after DUI convictions and policy non-renewal. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented quite a bit of information on how to compare 2008 Ford Expedition EL insurance premium rates online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheap insurance. Drivers may discover the most savings is with a lesser-known regional company.

Discount 2008 Ford Expedition EL insurance can be purchased on the web as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not have online price quotes and usually these smaller providers prefer to sell through independent insurance agencies.

Even more information can be found at these sites: