Cheapest 1998 Ford Expedition Insurance Rates in 2024

Searching for better car insurance rates for your Ford Expedition? Having to pay for overpriced car insurance can empty your checking account and put the squeeze on your family’s finances. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Multiple insurers compete for your insurance dollar, so it’s not easy to compare every company to discover the definitive best rate

If you have a policy now or are just looking to switch companies, you can learn to find the best rates while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of how to get comparison quotes over the internet.

Comprehensive Insurance Comparison

Comparing insurance rates can be a lot of work if you don’t know the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Many companies enroll in a system that allows shoppers to submit their information once, and each participating company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions for every insurance company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose which providers you want pricing from. So if you want to select individual companies to compare, we have a listing of insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make darn sure you compare apples-to-apples deductibles and coverage limits for every company. If you compare differing limits it will be next to impossible to determine the lowest rate for your Ford Expedition.

Buyer beware of insurance coverage advertising tricks

Drivers can’t ignore all the ads that promise big savings from companies such as Allstate, GEICO and Progressive. All the companies make an identical promise that you can save if you change your policy.

How does each company say the same thing?

Insurance companies are able to cherry pick for the type of driver that makes them money. A good example of a desirable insured might be profiled as over the age of 40, a clean driving record, and has a high credit rating. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential insureds who do not match these standards will be charged higher prices and ends up with the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can state the savings. That is why you should compare many company’s rates. Because you never know which insurance coverage company will fit your personal profile best.

How to reduce Ford Expedition insurance rates

Companies that sell car insurance don’t always advertise all their discounts very clearly, so we break down some of the more common and the harder-to-find insurance coverage savings. If you’re not getting every credit available, you’re paying more than you need to.

• Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
• Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Expedition coverage with select insurance companies.
• New Car Discount – Insuring a new car can save up to 30% since new cars are generally safer.
• More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
• Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
• Student in College – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
• Air Bag Discount – Cars that have air bags can get savings of up to 25% or more.
• Clubs and Organizations – Affiliation with a qualifying organization could qualify you for a break on insurance coverage on Expedition coverage.
• Homeowners Savings – Simply owning a home may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
• Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

For a list of companies who offer insurance coverage discounts, follow this link.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you might need an agent’s assistance.

• Should I have a commercial auto policy?
• Does insurance cover damages from a DUI accident?
• Do all my vehicles need collision coverage?
• Why do I only qualify for high-risk insurance?
• Can I rent a car in Mexico?
• Where can I get insurance after a DUI in my state?
• When can I cancel my policy?
• Does my policy cover me when driving someone else’s vehicle?
• Does my insurance cover a custom paint job?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with a tree, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Expedition.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability insurance will cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things like loss of income, emergency aid, medical expenses and funeral expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses such as EMT expenses, hospital visits, nursing services, doctor visits and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More quotes mean more savings

Cheap 1998 Ford Expedition insurance is definitely available on the web and with local insurance agents, so you should compare both to have the best selection. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. In many instances, someone dropped uninsured motorist or liability limits only to discover later that they should have had better coverage. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

To learn more, take a look at the articles below:

• Get the Right Protection (InsureUonline.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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