Cheap 2010 Ford Expedition Insurance Rates

Looking for cheaper auto insurance rates for your Ford Expedition? If you’ve never shopped for auto insurance quotes online, it’s easy to get bewildered by the diversity insurance agents and companies that all say they have the best rates.

Consumers should take time to get comparison quotes quite often because prices trend upward over time. Just because you found the best deal for Expedition coverage at your last renewal there is a good chance you can find better premium rates now. You’ll find a ton of advice on auto insurance on the web, but I’m going to show you some good information on how to save money.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you will be able to cut costs considerably using these techniques. But car owners must know how insurance companies price insurance differently and take advantage of how the system works.

Discounts for cheap insurance coverage rates

Companies offering auto insurance do not advertise all possible discounts very clearly, so the following list contains both the well known and the harder-to-find savings tricks you should be using when you buy auto insurance online.

  • Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Accident Forgiveness Coverage – but a handful of insurance companies will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
  • Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts when compared with drivers with a long claim history.
  • Own a Home – Owning a house can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

A few companies that have these discounts are:

If you want low cost auto insurance quotes, ask every insurance company which discounts they offer. Savings may not be available in every state.

Cheap auto insurance quotes

When looking for inexpensive auto insurance quotes, there are a couple ways to compare rate quotes from different companies. The fastest way to comparison shop is to use the internet to compare rates. This is quite simple and can be completed in a couple of different ways.

The most recommended method consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing multiple quote forms for every prospective company. One quote request will return quotes from auto insurance companies with the best prices.It’s the quickest way to get rates.

A more difficult way to find better pricing requires a trip to the website for each individual company and request a quote. For sake of this example, we’ll pretend you want to compare Nationwide, Progressive and Farmers. You would need to go to every website and repeatedly type in your coverage information, which can take a lot of time.

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

Even if you have time, the least recommended method to find lower rates is driving around to insurance agencies in your area. Shopping for auto insurance online makes this process obsolete unless you have a complicated situation and need the peace of mind that only a licensed agent can provide. Some companies do allow you to get the lowest quotes online and get advice from an agent in your area.

How you compare quotes is your choice, just make darn sure you compare exactly the same information for each comparison quote. If you have unequal deductibles or liability limits you will not be able to determine which rate is truly the best. Having just a slight variation in coverages can mean a large discrepancy in price. And when price shopping your coverage, having more price comparisons helps improve the odds of finding a lower rate. Not every company does rate quotes online, so it’s recommended that you also compare rates from those companies as well.

Learn how to lower your insurance prices

When buying auto insurance it’s important to understand some of the elements that go into determining the price you pay for auto insurance. If you understand what influences your rates, this allows you to make good choices that can earn you cheaper rates. Multiple criteria are part of the calculation when quoting car insurance. Some of the criteria are obvious such as your driving record, but other factors are not quite as obvious like where you live or your commute time.

Listed below are some of the major factors auto insurance companies consider when setting your rates.

  • Don’t cut corners with liability insurance – Your policy’s liability coverage provides coverage when you are found to be at fault for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Annual miles is a factor – Driving a lot of miles in a year the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Expedition is throwing money out the window. Make sure your auto insurance policy states the correct driver usage, because improper ratings can cost you money.
  • What’s your car’s crash test rating? – Cars with five star safety ratings are cheaper to insure. Safer cars reduce injuries and better occupant protection translates directly to fewer claims and thus lower rates. If the Ford Expedition earned at least four stars on Safercar.gov it may cost less to insure.
  • Stay claim-free and save money – Auto insurance companies award better rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Teenagers vs. experienced drivers – Older, more experienced drivers are viewed as being more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.Drivers with little experience tend to get distracted easily when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
  • Men are more aggressive – The statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes are in auto accidents in similar numbers, but the males cause more damage. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • Marriage discount – Having a significant other actually saves money on your auto insurance bill. Having a spouse may mean you are more mature and responsible and statistics prove drivers who are married are more cautious.
  • Save money with higher deductibles – Physical damage coverage, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims would be running into the backend of another car, flood damage, and having your car stolen. Comp and collision deductibles state the amount of money you are willing to pay in the event of a claim. The more money the insured has to pay upfront, the lower your rates will be for Expedition coverage.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out if you may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What happens if I owe more than my 2010 Ford Expedition is worth?
  • Is my custom paint covered by insurance?
  • Should I get collision insurance on every vehicle?
  • Is pleasure use cheaper than using my 2010 Ford Expedition to commute?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I buy full coverage?
  • How much liability coverage do I need in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving a rental car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

The ad said I’d save $475 a year!

Popular auto insurance providers such as Progressive, Allstate and GEICO constantly bombard you with television, radio, and online ads. They all convey the message that people will save just by moving your auto insurance coverage to their company. How does every auto insurance company cost less than your current company? This is the way they can do it.

Insurance companies have underwriting criteria for the type of driver that will be a good risk. For example, a desirable insured should be over the age of 45, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will get very good premium rates and as a result will probably save when switching.

Drivers who do not meet the ideal profile may receive a higher premium which usually ends up with the prospect going elsewhere. The trick companies use is to say “drivers who switch” not “all people who quote” save money. That’s why insurance companies can confidently make claims that they all have the best prices. That is why you need to do a quote comparison often. It is impossible to predict which company will be your best fit.

What auto insurance coverages do you need?

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Expedition.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical costs insurance – Med pay and PIP coverage pay for expenses for dental work, rehabilitation expenses, ambulance fees, EMT expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, falling objects, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance – This coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, loss of income, bail bonds, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision – Collision insurance will pay to fix damage to your Expedition caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, damaging your car on a curb, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

And the best car insurance company is…

When searching for cheaper auto insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

You just learned some good ideas how to lower your 2010 Ford Expedition insurance car insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of getting the cheapest auto insurance. You may even find the best car insurance rates are with a smaller regional carrier.

People who switch companies do it for a variety of reasons including high prices, delays in paying claims, policy cancellation and high rates after DUI convictions. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

Much more information about auto insurance is available on the following sites: