2023 Ford Expedition Car 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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Looking for cheaper insurance rates for your Ford Expedition? There isn’t a single person who anticipates paying for insurance, especially when they are aware that they could find better rates elsewhere. With so many online and local companies to choose from, it can be impossible to find a more affordable insurance company.

You should take the time to take a look at other company’s rates once or twice a year because prices change regularly. Just because you found the best price for Expedition insurance a couple years back you can probably find a lower rate today. There are a lot of ways to save on insurance online but by reading this article, you’re going to learn some good information on how to save money.

Buying car insurance is not rocket science. If you have a policy now or are looking for a new policy, you can learn to get lower rates and possibly find even better coverage. Drivers just need to know the most efficient way to compare rates on the web.

Eight factors that determine insurance costs

Many different elements are considered when premium rates are determined. Most are fairly basic such as your driving record, but other criteria are less apparent such as whether you are married or your commute time. Part of the car insurance buying process is learning a few of the rating criteria that come into play when calculating your premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

The items below are some of the things car insurance companies consider when setting your rate level.

  • Low deductibles mean high prices – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some examples of covered claims are a dented fender, hail damage, and damage from a fallen tree branch. Physical damage deductibles define the amount you are required to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the better rate you will receive for Expedition insurance.
  • Lower rates for married couples – Your spouse can get you a discount on car insurance. Having a significant other usually means you are more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Obey driving laws and save – A bad driving record influences premium rates substantially. Drivers with clean records receive lower rates than their less careful counterparts. Having just one moving violation can increase the cost of insurance to the point where it’s not affordable. Drivers who get careless tickets such as DUI or willful reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.
  • Pay more if you have a long commute – Living in small towns and rural areas has it’s advantages when talking about car insurance. City drivers have to deal with congested traffic and higher rates of accident claims. Less people living in that area means fewer accidents as well as less vandalism and auto theft.
  • Never let your policy lapse – Allowing your coverage to lapse is a guaranteed way to increase your rates. Not only will you pay higher rates, not being able to provide proof of insurance can result in a revoked license or a big fine. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Age of drivers – Drivers with little experience are proven to be inattentive with other occupants in the car so car insurance rates are higher. Adding a young driver onto your car insurance will cause a huge premium hike. Older drivers have been proven to be more responsible, file fewer claims and are safer drivers.
  • Don’t buy extra coverages you don’t use – Policies have extra bells and whistles that can add up but may not be useful. Coverages for rental car coverage, towing coverage, and additional equipment coverage may be costing you every month. These may sound like a good investment initially, but if you don’t need them consider taking them off your policy.
  • Drive a safer car and pay less – Vehicles that have high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts which can mean better rates for you.

Are you getting every discount?

Car insurance companies don’t always list the entire discount list in an easy-to-find place, so the following is a list of a few of the more well known and the harder-to-find discounts that may be available.

  • Organization Discounts – Having an affiliation with qualifying clubs or civic groups could trigger savings on your next renewal.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • 55 and Retired – Older drivers may qualify for a slight reduction on a insurance coverage quote for Expedition insurance.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will save you 10% or more.
  • Paperless Signup – A handful of car insurance companies give back up to $50 for buying your policy on your computer.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Homeowners Savings – Owning a house can get you a discount since owning and maintaining a home demonstrates responsibility.
  • Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Expedition insurance than less cautious drivers.
  • Accident Free – Drivers who stay claim-free can earn big discounts when compared to drivers with a long claim history.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% off the personal injury premium cost.

Remember that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But any discount will cut your car insurance premiums.

A list of car insurance companies and the discounts they provide are:

  • Esurance discounts include Switch & Save, defensive driver, multi-policy, homeowner, DriveSense, and good student.
  • The Hartford has discounts for air bag, defensive driver, driver training, good student, vehicle fuel type, bundle, and anti-theft.
  • AAA offers premium reductions for education and occupation, multi-car, AAA membership discount, pay-in-full, anti-theft, and good student.
  • GEICO may include discounts for five-year accident-free, good student, anti-theft, emergency military deployment, multi-vehicle, air bags, and federal employee.
  • State Farm has savings for student away at school, defensive driving training, Steer Clear safe driver discount, good student, passive restraint, and Drive Safe & Save.

When getting free insurance coverage quotes, it’s a good idea to each company how you can save money. Some discounts listed above may not be offered in your area. To see a list of providers that offer some of these discounts, enter your zip code here.

When in doubt talk to an agent

When it comes to choosing the best insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • Should I buy full coverage?
  • Do I have coverage if my license is suspended?
  • Does liability extend to a camper or trailer?
  • Am I covered if I break a side mirror?
  • How can I get my company to pay me more for my totalled car?
  • How much liability insurance is required?
  • Is my cargo covered for damage or theft?
  • Does my 2023 Ford Expedition need full coverage?
  • Is my 2023 Ford Expedition covered for smoke damage?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and may give you better protection.

Car insurance policy specifics

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Ford Expedition.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building, sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, nursing services and ambulance fees. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage

Liability insurance can cover injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, loss of income and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, damage from flooding, vandalism and damage from getting keyed. The maximum 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.

Never pay more for less

In this article, we covered a lot of ways to lower your 2023 Ford Expedition insurance rates. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from a small local company. Some small companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

Cheaper insurance coverage can be purchased from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide the ability to get a quote online and usually these small, regional companies only sell through local independent agents.

When you buy insurance coverage online, make sure you don’t reduce coverage to reduce premium. There are many occasions where an accident victim reduced full coverage and found out when filing a claim that they should have had better coverage. Your focus should be to buy the best coverage you can find at an affordable rate.

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