Cheap 2022 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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Trying to find low-cost insurance for a new or used Ford Expedition can be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to shop for car insurance and you need to know the absolute fastest way to compare rates for a new or used Ford and locate the best price possible.

You should take the time to quote other rates at least once a year because car insurance rates change regularly. Just because you had the best premium rates on Expedition coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money.

Informed drivers know how to find car insurance at a discount

Smart consumers have a good feel for the factors that aid in calculating your car insurance rates. If you understand what determines base rates, this allows you to make educated decisions that can earn you lower rates.

  • Better car insurance rates for no policy lapses – Driving any period of time without insurance is illegal and you will pay a penalty because you let your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance could earn you a steep fine or even jail time.
  • Your address can affect price – Having an address in small towns and rural areas is a good thing when it comes to car insurance. Urban drivers have to deal with congested traffic and longer commute times. Fewer people corresponds to lower accident rates and lower theft and vandalism rates.
  • Rates can drop if you have more than one policy – Most car insurance companies give a discount to people that buy multiple policies. It’s known as a multi-policy discount. Even if you already get this discount, drivers will still want to compare other company rates to help ensure you have the lowest rates.
  • Be proud to be claim-free – Car insurance companies award lower rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Your car insurance is intended for the large, substantial claims.
  • Gender and insurance costs – Over the last 50 years, statistics have shown that women are safer drivers than men. It does not mean women are BETTER drivers than men. Both sexes are responsible for fender benders in similar percentages, but males cause more damage and cost insurance companies more money. Men also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Discounts for married couples – Getting married can get you a discount on your car insurance policy. Marriage usually means you are more stable financially and statistics show drivers who are married are more cautious.
  • Alarms and GPS tracking systems cut car insurance rates – Purchasing a vehicle with an alarm system can help bring down rates. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder vehicle theft.
  • Policy add-ons can waste money – Policies have extra bells and whistles that sound like a good idea at the time on your car insurance policy. Coverage for things like personal injury protection, towing coverage, and additional equipment coverage may not be needed and are just wasting money. They may seem like a good idea when discussing your needs, but if you don’t need them consider taking them off your policy.

Which auto insurance is cheapest?

Performing a rate comparison can take hours if you aren’t aware of the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use the web for quick rates.

The majority of car insurance companies take part in a program where insurance shoppers complete one form, and at least one company can provide price quotes determined by their information. This prevents consumers from doing quote requests to each company.

To participate in this free quote system, enter your zip code here.

The only drawback to doing it this way is that you can’t choose which carriers to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we have a page of auto insurance companies in your area. Click to enter zip code.

Whichever way you use, be sure to compare nearly identical coverages and limits with each company. If you are comparing different values for each quote it will be impossible to determine the lowest rate for your Ford Expedition.

Take advantage of these discounts

Insurance coverage is easily one of your largest bills, but you can get discounts that may help make it more affordable. Many discounts should be triggered when you purchase, but occasionally some discounts must be asked for before you will receive the discount.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Telematics Data – Policyholders that allow their insurance company to study their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive may get a rate reduction if they are good drivers.
  • Discounts for Federal Employees – Federal government employees could provide a small rate reduction on Expedition coverage with a few insurance coverage companies.
  • Discount for Multiple Policies – If you can bundle your auto and homeowners insurance and insure them with the same company you may earn approximately 10% to 15%.
  • Senior Discount – Drivers over the age of 55 may be able to get a small decrease in premiums on Expedition coverage.
  • Smart Student Discounts – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like you can get free auto insurance, you won’t be that lucky. Any amount of discount will help lower the amount you pay for coverage.

If you would like to view companies with discount insurance coverage rates, enter your zip code here.

Special considerations

When it comes to buying adequate coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • Do I pay less for low miles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I wreck a rental car?
  • Does my car insurance cover rental cars?
  • What is roadside assistance coverage?
  • What is medical payments coverage?
  • Is my teenager covered with friends in the car?
  • Do I need Motor Club coverage?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, hail damage, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like pain medications, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability insurance will cover damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liability limits.

Collision coverage protection

Collision coverage pays for damage to your Expedition resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Money doesn’t grow on trees

When searching for cheap car insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Lower-priced insurance coverage is available both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not offer rate quotes online and many times these regional insurance providers only sell coverage through independent agents.

In this article, we presented many ways to lower your 2022 Ford Expedition insurance premium rates. It’s most important to understand that the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may be surprised to find that the lowest premium rates come from an unexpected company.

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