Cheapest 2000 Ford Excursion Insurance Rates in 2023

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

Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Trying to find lower auto insurance rates for your Ford Excursion? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Because there are so many companies and agents to choose from, it can be hard to choose the cheapest insurance company.

Buying the lowest cost car insurance coverage can be fairly easy. In a nutshell, anyone who has to buy car insurance most likely will be able to reduce their rates. But consumers should learn how insurance companies sell online and use this information to your advantage.

Auto Insurance Comparison Rates

Most companies quote insurance quotes on their websites. The process is quite easy as you simply type in the coverage amounts you desire into the quote form. Once you submit the form, their rating system will obtain reports for credit and driving violations and generates a price. Online price quotes streamlines rate comparisons, but the process of having to visit a lot of sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to do this if you are searching for the lowest auto insurance rates.

Isn’t there an easier way to compare rates?

The easiest way to compare auto insurance pricing makes use of a single form that gets prices from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. After your information is entered, it is quoted and you are able to buy your choice of the quotes that you receive.

If you find a better price you can simply submit the application and purchase the new policy. The entire process takes less than 15 minutes and may save quite a bit of money.

In order to compare pricing, click here and input your coverage information. If you have a policy now, it’s recommended you input the insurance coverages just like they are on your policy. This guarantees you will get a price comparison for the exact same coverage.

Tailor your coverage to you

When choosing the best car insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • Do I need replacement cost coverage on my 2000 Ford Excursion?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I buy a commercial auto policy?
  • Do I need an umbrella policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • How do I buy GAP insurance?
  • Am I insured when driving a different vehicle?
  • Am I covered when driving a rental car?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Information about specific coverages

Having a good grasp of car insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Auto liability insurance – This coverage protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as court costs, attorney fees, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverages – This covers damage to your Excursion resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Excursion.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive car insurance – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, hitting a bird, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for bills such as prosthetic devices, ambulance fees, chiropractic care, hospital visits and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Frequently Asked Questions

How can I find the cheapest auto insurance rates for my 2000 Ford Excursion in 2023?

To find the cheapest auto insurance rates for your 2000 Ford Excursion, you can use an online quote tool. Enter your zip code and provide the necessary information about your vehicle and desired coverage amounts. The tool will generate quotes from multiple companies, allowing you to compare rates and choose the most affordable option.

Is there an easier way to compare auto insurance rates?

Yes, there is an easier way to compare auto insurance rates. Instead of visiting multiple websites and entering the same information repeatedly, you can use a single form that gathers quotes from multiple companies at once. This saves time and effort, and you can select the best quote and purchase your new policy directly.

How do I tailor my auto insurance coverage to my needs?

When choosing auto insurance coverage, it’s important to consider your specific situation. There is no one-size-fits-all policy, as each individual’s circumstances are unique. To determine the best coverage for you, you can ask yourself questions like: How often do I drive? Do I have any dependents who may use my vehicle? Do I own or lease my car? By considering these factors, you can determine the appropriate coverage levels and additional options that suit your needs.

What are the different types of coverage in a car insurance policy?

Car insurance policies typically include various types of coverage. Here are some common ones:

  • Liability insurance: Protects you from damages or injuries you may cause to others.
  • Collision coverage: Covers damage to your vehicle resulting from collisions with objects or other cars.
  • Uninsured/underinsured motorist coverage: Protects you when the at-fault driver has insufficient insurance to cover your damages.
  • Comprehensive coverage: Pays for damage to your vehicle caused by events other than collisions, such as theft or natural disasters.
  • Medical payments and personal injury protection: Cover medical expenses for you and your passengers in the event of an accident.

How much liability coverage should I purchase?

The amount of liability coverage you should purchase depends on various factors, including your financial situation and the value of your assets. It’s generally recommended to have enough liability coverage to protect your assets in case of a lawsuit. A common liability coverage limit is 25/50/25, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. However, you may want to consider higher limits if you have significant assets to protect.

What is comprehensive car insurance?

Comprehensive car insurance covers damage to your vehicle that is not caused by collisions. It typically includes coverage for events such as theft, vandalism, natural disasters, and hitting animals. There is usually a deductible amount that you need to pay before the insurance company covers the remaining damage. If your vehicle is older or has a low value, you may consider dropping comprehensive coverage to save on premiums.

What is medical payments coverage?

Medical payments coverage, also known as MedPay, provides coverage for medical expenses resulting from a car accident. It can cover expenses like hospital visits, surgeries, ambulance fees, and prosthetic devices. Medical payments coverage can be helpful if you have high healthcare deductibles or if you or your passengers are not covered by health insurance. Note that medical payments coverage is not available in all states.

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