How Much Does 2015 Ford Expedition Car Insurance Cost in 2024?

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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: May 12, 2024

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I can’t think of a single person who loves paying for insurance, especially when they are aware that they are paying too much.

There are many auto insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare rates.

Where can I get cheap car insurance?

Most of the larger companies allow consumers to get coverage price quotes on the web. Doing online quotes is fairly straightforward because you just enter your coverage preferences into the quote form. When the form is submitted, the system automatically retrieves your credit score and driving record and generates a price based on the information you submitted. Online price quotes makes it a lot easier to compare rates but the process of having to visit a lot of sites and complete many quote forms is not the best way to spend an afternoon. But it’s also necessary to perform this step in order to get the lowest price.

The quickest way to compare rates is to use a quote form that analyzes rates from several companies at one time. The form is fast, requires much less work on your part, and makes rate comparisons much easier. After sending the form, it gets priced and you can choose any one of the quotes that you receive.

If a lower price is quoted, you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and can result in significant savings.

To use this form to compare rates, simply enter your zip code here and submit the form. If you have your current policy handy, we recommend you duplicate coverages and limits identical to your current policy. Doing this assures you will receive a rate comparison based on the exact same insurance coverage.

Pay discount rates these money-saving discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but a few must be specifically requested before you get the savings.

  • Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote in comparison to insureds who have frequent claims or accidents.
  • Student in College – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
  • Passive Restraints – Factory options such as air bags may get savings of 20% or more.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Low Miles Discount – Driving less could earn lower auto insurance rates on the low mileage vehicles.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive so you can save 10 percent or more.
  • Telematics Data Discounts – Insureds that choose to allow companies to scrutinize when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as they are good drivers.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
  • Savings for New Vehicles – Buying a new car model can save you some money compared to insuring an older model.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, you’re out of luck.

To locate providers who offer auto insurance discounts, enter your zip code here.

Lower your insurance rates

The best way to find cheaper car insurance is to take a look at some of the factors that are used to determine your policy premiums. When you understand what determines premiums, this enables informed choices that can earn you lower rates.

The items below are a few of the “ingredients” that factor into your rates.

  • Don’t get traffic citations – Your driving citation history impacts your car insurance rates tremendously. Good drivers pay lower auto insurance prices than their less careful counterparts. Just one chargeable violation can increase the cost of insurance to the point where it’s not affordable. Drivers unfortunate enough to have severe citations such as DUI or reckless driving may find that they have to to submit a SR-22 form with the DMV in their state in order to prevent their license from being revoked.
  • Don’t cancel your policy without a new one in place – Allowing your coverage to lapse can be a guaranteed way to increase your renewal premiums. In addition to paying higher premiums, getting caught without coverage will get you fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Drivers with responsible credit save – Your credit score can be an important factor in calculating your car insurance rates. Insureds with high credit ratings tend to be less risk to insure than drivers with poor credit. If your credit history is low, you could be paying less to insure your 2015 Ford Expedition by improving your rating.
  • Liability protection preserves assets – A critical coverage on your policy, liability insurance is the coverage that protects you if you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Discounts for alarm systems – Driving a car with an alarm system can earn a premium discount. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • City traffic equals higher premiums – Being located in less populated areas of the country can be a good thing when trying to find low car insurance rates. Drivers in populated areas regularly have congested traffic and a longer drive to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.

Do I need special coverages?

When buying coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. For example, these questions can help discover whether your personal situation might need professional guidance.

  • Am I covered when driving a rental car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are the financial responsibility laws in my state?
  • Am I covered if I break a side mirror?
  • Am I covered when using my vehicle for business?
  • Can my babysitter drive my car?
  • Why am I required to buy high-risk coverage?
  • What is an SR-22 filing?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, complete your zip code.

Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Liability

Liability insurance can cover damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, repair bills for other people’s vehicles, legal defense fees and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, rehabilitation expenses, dental work, chiropractic care and ambulance fees. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverage protection

This coverage pays for damage to your Expedition resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Ford Expedition.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, fire damage, damage from getting keyed, rock chips in glass and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More choices the merrier

We just covered quite a bit of information on how to save on 2015 Ford Expedition insurance. The key concept to understand is the more you quote auto insurance, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance coverage comes from a small mutual company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

When you buy auto insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced collision coverage and found out when filing a claim that it was a big mistake. Your goal is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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