2011 Ford Expedition Insurance Rates

Average insurance rates for a 2011 Ford Expedition are $1,056 a year for full coverage. Comprehensive insurance costs around $216, collision costs $310, and liability costs $394. Buying a liability-only policy costs as little as $440 a year, with high-risk insurance costing $2,266 or more. Teen drivers receive the highest rates at $4,036 a year or more.

Annual premium for full coverage: $1,056

Rate estimates for 2011 Ford Expedition Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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

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These differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Having to pay for overpriced insurance can empty your savings account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

There is such a variety of car insurance companies to pick from, and though it is a good thing to have multiple companies, it makes it harder to find the best rates.

It is always a good idea to do rate comparisons quite often because rates change regularly. Just because you found the best rates on Expedition coverage a few years ago you will most likely find a better rate today. You can find a lot of wrong information about insurance online, so we’re going to give you the best ways to stop overpaying for insurance.

Take these ten discounts and save

Auto insurance companies do not list all their discounts in an easy-to-find place, so we break down both the well known and the more hidden savings tricks you should be using.

• Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
• Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of up to 25% or more.
• Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
• More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy could earn a price break for each car.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
• Military Rewards – Being deployed with a military unit can result in better rates.
• Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Expedition coverage than drivers with accidents.
• Sign Online – A few companies may give you up to $50 just for signing your application digitally online.
• Multiple Policy Discount – If you have multiple policies with the same company you may earn at least 10% off all policies.

Drivers should understand that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

Companies that possibly offer these benefits include:

• GEICO
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

Before buying, ask every prospective company which discounts you may be entitled to. Discounts might not be offered in your state.

Which policy gives me the best coverage?

When buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether you will benefit from professional help.

• Is my camper covered by my car insurance policy?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is pleasure use cheaper than using my 2011 Ford Expedition to commute?
• What is roadside assistance coverage?
• Should I put collision coverage on all my vehicles?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Am I covered if I hit a deer?
• If my pet gets injured in an accident are they covered?
• Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

How can State Farm, GEICO and Progressive save drivers who switch?

Auto insurance providers like State Farm, GEICO and Progressive regularly use television and radio advertisements. They all say the same thing that you can save if you move your coverage to them. How do they all make the same claim?

All the different companies can use profiling for the driver that makes them money. An example of a preferred risk could possibly be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” receives the best rates and therefore will save a lot of money.

Drivers who are not a match for the requirements will be charged a higher premium which usually ends up with business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can advertise the savings. That is why drivers must get quotes from several different companies. You cannot predict which auto insurance company will provide you with the cheapest Ford Expedition insurance rates.

Information about specific coverages

Learning about specific coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by car insurance companies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, dental work, funeral costs, ambulance fees and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability coverages – Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like court costs, pain and suffering, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass, a broken windshield and hail damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This covers damage to your Expedition caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

In any little way, save everyday

While you’re price shopping online, you should never buy poor coverage just to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your goal should be to find the BEST coverage for the lowest price.

We’ve covered a lot of tips how to shop for 2011 Ford Expedition insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest priced insurance coverage comes from a smaller regional carrier. These companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.

Additional resources

• Distracted Driving Extends Beyond Texting (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Information for Teen Drivers (GEICO)
• Older Driver Statistics (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)

Use our FREE quote tool to compare rates now!