How Much Does 1997 Ford Expedition Insurance Cost?

Trying to find low-cost insurance for a Ford Expedition could be difficult, but you can use the following methods and make it easy. There is a better way to find insurance online and you need to know the absolute fastest way to compare rates on a Ford and obtain the best price possible from local insurance agents and online providers.

Finding the best rates is quite easy. If you have a current insurance coverage policy or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maximizing coverage. Vehicle owners just need to know the proper methods to get comparison rates on the web.

Ways to get insurance coverage quotes

Finding a better price on insurance coverage is pretty simple and can save money. All you need to do is spend a few minutes on the computer comparing free car insurance quotes from online providers. Insurance prices can be quoted in several different ways.

The most efficient method to get quotes for comparison is a comparison rater form click to view form in new window. This form prevents you from having to do separate quote forms to each individual insurance coverage company. One form gets you price quotes from many national carriers. This is by far the quickest method.
A more difficult way to obtain and compare quotes online requires a visit to the website for each individual company and repeat the quote process. For sake of this example, let’s assume you want to compare prices for State Farm, GEICO and American Family. In order to compare rates, you need to go to every website and enter your policy data, which is why most consumers use the first method.
To view a list of companies in your area, click here.
The least efficient method of comparing rate quotes is to waste gas driving to all the different insurance agencies. Shopping for insurance coverage online has reduced the need for local agents unless your situation requires the advice and guidance of a local agent. It is possible to compare the best prices online but have a local agent actually write the policy.

It’s up to you how you get prices quotes, just be sure you’re using nearly identical quote data for each price quote. If you enter different deductibles you will not be able to determine which company has the best rates.

More discounts mean cheaper premiums

Companies that sell car insurance don’t list every possible discount very clearly, so the list below contains a few of the more common as well as some of the hidden credits that you can use to lower your rates. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.

Professional Memberships – Affiliation with specific professional or occupational memberships or organizations may earn a discount when shopping for auto insurance.
Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
Renewal Discounts – A few larger companies offer discounts for signing up early. You could save around 10% when you buy car insurance online.
Multi-car Discount – Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because newer models are generally safer.
Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them with the same company you could get a discount of up to 20% off your total premium.
Life Insurance Discount – Not all auto insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy life insurance from them.

Discounts save money, but please remember that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works. But all discounts will cut your policy premium.

Some companies that may have these money-saving discounts include:

If you are trying to find inexpensive car insurance quotes, ask each insurance company which discounts you qualify for. Some discounts may not be available in your area. To find insurers with discount rates, follow this link.

It’s not one size fits all

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether you will benefit from professional help.

Am I covered by my spouse’s policy after a separation?
Do I need motorclub coverage?
When should I remove comp and collision on my 1997 Ford Expedition?
Does my car insurance cover rental cars?
How high should my uninsured/underinsured coverage be in my state?
Am I covered when driving on a suspended license?
Do I pay less for low miles?
What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Car insurance coverage basics

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive car insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, theft and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1997 Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for collisions

This pays for damage to your Expedition caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, rolling your car, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, repair costs for stationary objects, legal defense fees, attorney fees and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses like dental work, doctor visits, nursing services and surgery. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage