Ford Ford Expedition Insurance Rates
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UPDATED: Mar 18, 2020
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Looking for lower auto insurance rates for your Ford Expedition? Are you overwhelmed by the dozens of auto insurance choices? Many other consumers are too. People have so many options that it can be a ton of work to find better rates.
It’s a good idea to take a look at other company’s rates before your policy renews because rates are usually higher with each renewal. If you had the best rates on Expedition coverage last year a different company probably has better rates today. There is too much inaccurate information about auto insurance online but by reading this article, you’re going to learn some proven techniques to reduce your auto insurance bill.
Free Insurance Quotes
There are multiple methods to compare 2003 Ford Expedition insurance prices but one way is less time-consuming than others. You can spend your afternoon talking to insurance agencies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.
Most of the best insurance companies participate in a marketplace that enables customers to submit one quote, and each participating company returns a competitive quote for coverage. This prevents consumers from doing quote forms to each individual insurance company.
To participate in this free quote system, click here to open in new window.
The one downside to comparing rates this way is you don’t know exactly which insurance companies to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.
It’s up to you how you get prices quotes, just ensure you’re using exactly the same quote information for each comparison quote. If each company quotes higher or lower deductibles it will be impossible to truly determine the lowest rate. Having just a slight variation in coverage limits can make a big difference in price. Keep in mind that more quotes will increase your chances of finding lower pricing.
Don’t miss these discounts
Companies do not list all their discounts very clearly, so we researched both the well known and the harder-to-find discounts you could be receiving.
- Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
- Drive Less and Save – Keeping the miles down on your Ford could qualify for better rates on cars that stay parked.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Expedition coverage than drivers with accidents.
- Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Expedition coverage.
It’s important to understand that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.
To see a list of providers who offer insurance discounts, click here to view.
When might I need help?
When choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.
These are some specific questions might point out whether or not you might need an agent’s assistance.
- When should my teen driver be added to my policy?
- Do I pay less if my vehicle is kept in my garage?
- What happens if I owe more than my 2003 Ford Expedition is worth?
- What is roadside assistance coverage?
- Why do I only qualify for high-risk insurance?
- Do I benefit by insuring my home with the same company?
- Am I covered when driving in Canada or Mexico?
- What is an SR-22 filing?
- Does liability extend to a camper or trailer?
- How high should my uninsured/underinsured coverage be in my state?
If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.
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Ford Expedition rates are complex
It’s important that you understand the rating factors that play a part in calculating the rates you pay for insurance coverage. Having a good understanding of what determines base rates allows you to make educated decisions that could result in better insurance coverage rates.
Shown below are a partial list of the pieces companies use to determine premiums.
- Your spouse saves you money – Being married actually saves money on your insurance coverage policy. Having a spouse translates into being more mature and it’s proven that married couples file fewer claims.
- Keep rates low by being claim-free – Auto insurance companies generally give lower rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
- Your location affects your rates – Residing in a small town can save you money when buying insurance coverage. Fewer people translates into fewer accidents. City drivers tend to have traffic congestion and longer commute times. Longer commute distances translates into higher accident risk.
- Battle of the sexes – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are better drivers. Both sexes have accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as DWI and reckless driving.
- Drive a safer car and pay less – Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Ford Expedition earned at least four stars on Safercar.gov it may be receiving lower rates.
- Allowing your policy to lapse raises rates – Driving with no insurance is illegal and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage may earn you a steep fine or even jail time.
- Your age impacts your rates – Older insureds are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to be careless and easily distracted when behind the wheel and because of this, their insurance coverage rates are much higher.
- Equipment add-ons that lower insurance coverage rates – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Car insurance coverages for a Ford Expedition
Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring.
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like damage from getting keyed, fire damage, hitting a deer, rock chips in glass and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for bills for things like hospital visits, dental work and nursing services. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Collision – This will pay to fix damage to your Expedition resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
Liability coverage – Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like medical services, medical expenses, repair costs for stationary objects, legal defense fees and court costs. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.
Save your hard earned cash
Cheaper 2003 Ford Expedition insurance can be purchased both online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and these small insurance companies work with independent agents.
In this article, we presented many ideas to lower your insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from a small mutual company.
Consumers switch companies for any number of reasons including questionable increases in premium, high rates after DUI convictions, denial of a claim and even high prices. It doesn’t matter what your reason, finding the right insurance provider can be easier than you think.
More detailed insurance information is available in the articles below:
- Should I Buy a New or Used Car? (Allstate)
- Collision Insurance Coverage (Nationwide)
- Auto Insurance FAQ (Farmers Insurance)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
- Auto Theft Statistics (Insurance Information Insitute)
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