Cheap 2020 Ford Expedition Insurance Quotes 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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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Searching for better auto insurance rates for your Ford Expedition? Shopping for more affordable auto insurance may seem to be rather difficult for vehicle owners who are beginners to quoting and comparison shopping over the internet. With more and more online companies available, how are vehicle owners able to effectively compare the different rates to find the best pricing?

This article will teach you the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. But vehicle owners do need to understand how insurance companies sell online and use this information to your advantage.

Quote auto insurance online

There are a variety of methods you can shop for auto insurance but one way is more efficient than others. You can spend your afternoon driving to insurance companies in your area, or you can stay home and use online quoting for quick rates.

Most major companies take part in a program where insurance shoppers complete one form, and every company returns a rated price based on that information. This eliminates the need for quote forms to every company.

To access this free quoting program, enter your zip code here.

The one disadvantage to getting quotes like this is you don’t know exactly which companies you want pricing from. So if you prefer to pick individual companies for rate comparison, we have a page of auto insurance companies in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage data on every quote. If you use mixed coverages you will not be able to make a fair rate comparison. Slightly different insurance coverages could mean much higher rates. It’s important to know that comparing more rates from different companies will enable you to find the best offered rates.

Insurance companies offer many types of discounts

Some insurers don’t always list all possible discounts in a way that’s easy to find, so the list below gives a summary of some of the more common and also the more inconspicuous credits that you can use to lower your rates. If you check and find you aren’t receiving every discount available, you could be paying more than you need to.

  • Discount for Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Theft Deterrent – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Student in College – Youth drivers who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
  • Payment Discounts – By making one initial payment instead of paying each month you could save 5% or more.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars with the same insurance company can reduce the rates for all insured vehicles.
  • Paperwork-free – Some of the larger companies will discount your bill up to fifty bucks get auto insurance digitally online.
  • Driving Data Discount – Drivers that enable their company to study driving manner by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they exhibit good driving behavior.
  • Claim-Free Discount – Drivers with accident-free driving histories can save substantially in comparison with bad drivers.

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount will lower the premium cost.

A few companies who might offer these discounts possibly include:

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

Double check with all the companies which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area. If you would like to choose from a list of insurance companies that offer multiple discounts, enter your zip code here.

Do I just need basic coverages?

When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions could help you determine if your situation will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Is my cargo covered for damage or theft?
  • Do I need an umbrella policy?
  • How can I find cheaper teen driver insurance?
  • Why am I required to get a high-risk car insurance policy?
  • When should my teen driver be added to my policy?
  • Am I getting all the discounts available?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance specifics

Knowing the specifics of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from getting keyed, a tree branch falling on your vehicle, hitting a deer and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This coverage will pay to fix damage to your Expedition resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle, crashing into a ditch and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses such as EMT expenses, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford Expedition.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical services, pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

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