2002 Ford Expedition Insurance Rates
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UPDATED: Mar 18, 2020
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Average insurance rates for a 2002 Ford Expedition are $818 a year for full coverage insurance. Comprehensive insurance costs approximately $142 each year, collision insurance costs $160, and liability costs $380. Buying a liability-only policy costs as little as $428 a year, and high-risk insurance costs $1,748 or more. Teenage drivers receive the highest rates at up to $3,278 a year.
Annual premium for full coverage: $818
Rate estimates for 2002 Ford Expedition Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2002 Ford Expedition models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $428 for a discount liability-only rate to a high rate of $1,748 for a driver that may need high-risk insurance.
These differences illustrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2002 Ford Expedition Insurance
Want cheaper insurance coverage rates for your Ford Expedition? No one likes paying for insurance coverage, in particular when their premiums are too high.
Many car insurance companies vie for your business, so it can be very hard to choose a insurer to find the best rates possible.
You should take the time to do rate comparisons once or twice a year since insurance rates change quite often. Despite the fact that you may have had the best rates for Expedition coverage two years ago a different company probably has better rates today. There is too much inaccurate information about insurance coverage on the internet, so by reading this article, you’re going to learn the best ways to stop overpaying for insurance.
If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Finding affordable coverage is not rocket science. Nevertheless, drivers should learn how insurance companies market on the web.
These discounts can lower your rates
The price of auto insurance can be rather high, but you may find discounts that you may not know about. Most are applied at the time you complete a quote, but less common discounts must be specifically requested before being credited.
- Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- No Accidents – Claim-free drivers pay much less when compared with drivers who are more careless.
- New Car Discount – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
- Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
- Memberships – Participating in a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage for Expedition coverage.
- Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Expedition coverage with a few insurance coverage companies.
- Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
- Drive Less and Save – Fewer annual miles on your Ford can qualify you for better rates on cars that stay parked.
- Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- 55 and Retired – Mature drivers can possibly qualify for a discount up to 10% for Expedition coverage.
It’s important to understand that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will help reduce your premiums.
To see a list of providers with discount insurance coverage rates, click here to view.
The most recommended method to get policy rate comparisons is to know the fact auto insurance companies will pay a fee to provide you with free rate quotes. All you need to do is give them some information like your general credit rating, if the car is leased, what your job is, and level of coverage desired. The data is instantly submitted to insurance carriers in your area and they provide comparison quotes very quickly.
Different people need different coverages
When buying the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.
- Am I covered if hit by an uninsured driver?
- Is my Ford Expedition covered if I use it for business?
- How do I buy GAP insurance?
- Who is covered by my policy?
- Do I need PIP (personal injury protection) coverage in my state?
- What is roadside assistance coverage?
- Am I covered if I hit a deer?
- How high should my uninsured/underinsured coverage be in my state?
- Do I have coverage when making deliveries for my home business?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
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Car insurance coverage basics
Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on the average car insurance policy.
Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as hail damage, hitting a bird and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2002 Ford Expedition.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Collision coverage – This coverage pays for damage to your Expedition from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses like EMT expenses, doctor visits, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Liability auto insurance – This coverage provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as loss of income, attorney fees, repair costs for stationary objects and court costs. How much coverage you buy is your choice, but buy as much as you can afford.
In any little way, save everyday
You just learned a lot of information how to lower your 2002 Ford Expedition insurance rates. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from the least-expected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.
When you buy insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest price while still protecting your assets.
Low-cost insurance can be found on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.
Additional detailed information can be found at these sites:
- Older Driver Statistics (Insurance Information Insitute)
- Insuring a Leased Car (Insurance Information Insitute)
- Comprehensive Coverage (Liberty Mutual)
- Senior Drivers (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,293|
|Los Angeles, CA||$1,398|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$48|
|5-yr Claim Free||$50|
|Paid in Full/EFT||$28|
Discounts are estimated and may not be available from every company or in every state.