Ford Ford Expedition Insurance Rates
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UPDATED: Mar 18, 2020
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Trying to find better auto insurance rates for your Ford Expedition? Shopping for cheap auto insurance over the internet can seem to be impossible for consumers new to shopping for insurance online. Since there are so many insurers to choose from, how can consumers even start to compare them all to find the cheapest rates?
Compare the Market for Insurance Coverage
Performing a rate comparison can be challenging if you don’t utilize the most efficient way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use online quoting for quick rates.
Many popular insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and every company provides a quote for coverage. This prevents consumers from doing quotation requests for each company.
To access this free quoting program, click here (opens in new window).
The one downside to getting quotes like this is that consumers can’t choose the providers to receive prices from. So if you prefer to pick specific providers to compare prices, we have assembled a list of companies who write insurance coverage in your area. Click to view list.
Whichever way you use, make sure you use the exact same information for every company. If the quotes have different values for each quote you will not be able to truly determine the lowest rate. Quoting even small variations in coverages may result in large price differences. And when comparing insurance coverage rates, know that quoting more helps you find the best rates.
Don’t pay full price with these five discounts
Companies offering auto insurance don’t necessarily list all available discounts in a way that’s easy to find, so we researched some of the best known and the more hidden savings tricks you should be using.
- Driver’s Ed – Have your child successfully complete driver’s ed class in high school.
- Club Memberships – Belonging to a qualifying organization could trigger savings when shopping for auto insurance on Expedition coverage.
- Bundle and Save – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
- Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
- New Vehicle Savings – Insuring a new car can be considerably cheaper since new cars are generally safer.
It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.
To see a list of insurance companies offering auto insurance discounts, follow this link.
Your personal situation dictates your coverage
When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.
For example, these questions may help highlight if your situation will benefit from professional help.
- Do I benefit by insuring my home with the same company?
- Do I need motorclub coverage?
- Am I covered when delivering products for my home-based business?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Should I buy full coverage?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.
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Slick advertising tricks that work
GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise about savings if you switch your policy. How can each company say the same thing?
Different companies have a certain “appetite” for the driver that is profitable for them. A good example of a profitable customer might be profiled as between 25 and 40, insures multiple vehicles, and has excellent credit. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will save a lot of money.
Potential customers who don’t measure up to the requirements will be quoted higher prices which usually ends up with the customer not buying. The ads state “people who switch” not “everybody who quotes” save that much money. This is how companies can make the claims of big savings. This emphasizes why you need to quote coverage with many companies. It’s just too difficult to predict which car insurance company will fit your personal profile best.
Car insurance coverage information
Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like damage from a tornado or hurricane, theft, hail damage, damage from flooding and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like dental work, hospital visits, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability can pay for claims such as bail bonds, loss of income, medical expenses, attorney fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.
Collision coverage protection
This coverage covers damage to your Expedition caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, crashing into a ditch, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Expedition.
Since a lot of 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.
Do the work, save more money
While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price, not the least amount of coverage.
We just showed you many ways to lower your 2008 Ford Expedition insurance rates. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with some of the smallest insurance companies.
Cheap insurance can be found on the web as well as from independent agents, so compare prices from both to have the best rate selection. Some companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.
For more information, feel free to browse these articles:
- What to do at the Scene of an Accident (Insurance Information Insitute)
- Learn About Car Insurance (GEICO)
- Teen Driving Statistics (GEICO)
- Property Damage Coverage (Liberty Mutual)
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