Compare 2011 Ford Expedition Insurance Rates

Searching for cheaper insurance rates for your Ford Expedition? I really doubt anyone looks forward to paying premiums for insurance, especially when they are aware that the cost is way too high.

Big companies like GEICO, Farmers Insurance and State Farm all claim big savings with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

Where can I get affordable insurance coverage?

To find inexpensive insurance quotes, there are several ways of comparing rate quotes from different companies. The easiest way by far to find affordable 2011 Ford Expedition insurance rates is to use the internet to compare rates. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. One of the fastest ways consumers can analyze rates is a comparison rater form like this one (opens in new window). This method prevents you from having to do separate quote forms to each individual insurance coverage company. Filling out one form compares rates from many national carriers.
  2. Another way to obtain and compare quotes online is spending the time to visit each company’s website and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from State Farm, 21st Century and American Family. To find out each rate you need to spend time going to each site individually and type in your information over and over, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you are using exactly the same coverage limits with each company. If your comparisons have unequal deductibles or liability limits you can’t possibly determine which rate is truly the best. Just slight variations in insurance coverages could throw off the whole comparison. And when quoting insurance coverage, remember that obtaining a wide range of quotes helps increase your odds of locating a lower rate. Some smaller insurers to not give online rate quotes, so it’s recommended that you also compare prices from the smaller companies as well.

These discounts can cut insurance rates

Some companies do not advertise the entire discount list in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find discounts that you can inquire about if you buy insurance online.

  • Use Seat Belts – Requiring all passengers to buckle up may be able to save a few bucks on medical payment and PIP coverage.
  • Multi-Vehicle Discounts – Drivers who insure multiple vehicles with one company may reduce the rate for each vehicle.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Auto/Life Discount – Larger insurance carriers have a discount if you purchase some life insurance in addition to your auto policy.
  • Good Student Discount – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts until age 25.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle is cheaper since new vehicles are generally safer.
  • Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Expedition insurance depending on your company.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Some of the larger companies that have most of these discounts include:

If you want affordable insurance quotes, ask each company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area. To see companies who offer discounts, click here.

When do I need an agent’s advice?

When it comes to choosing adequate coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine if your situation could use an agent’s help.

  • What is high-risk coverage and where do I buy it?
  • When should I not file a claim?
  • Am I missing any policy discounts?
  • How many claims can I have before being cancelled?
  • Am I covered if hit by an uninsured driver?
  • Is my nanny covered when driving my vehicle?
  • Are my friends covered when driving my car?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Get more affordable auto insurance with these tips

Consumers need to have an understanding of the different types of things that are used to determine the price you pay for auto insurance. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower rates.

  • Battle of the sexes – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. Now that doesn’t mean males are worse at driving than females. Both sexes are in auto accidents at about the same rate, but the males get into accidents with more damage. In addition to higher claims, males also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Prevent theft and save – Owning a car with advanced anti-theft systems can help bring down rates. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
  • Your liability protection limits – The liability coverage on your policy is the coverage that protects you if you are ruled to be at fault for damages caused by your negligence. This coverage provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Discounts for married drivers – Getting married may cut your premiums on your policy. Marriage demonstrates that you tend to be more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.

Do you really save 40% when you switch?

Respected companies like Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all advertise the message of big savings if you get a free insurance quote and switch your policy. How is it possible that every company can offer you a better deal? Here is how they do it.

Many companies offer their best rates for the type of driver that will add to their bottom line. For instance, this type of insured could be between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote that fits those parameters will get low prices and as a result will probably cut their rates substantially.

People who fall outside the ideal profile will get a higher rate and ends up with the customer not purchasing. The ads state “people who switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can confidently make claims like that.

This emphasizes why you really should compare free insurance quotes often. It is just not possible to predict which insurance companies will give you lower prices than your current company.

Insurance policy specifics

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like surgery, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision – Collision coverage pays for damage to your Expedition resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, colliding with a tree, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, hail damage, damage from flooding and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance – Liability coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, medical expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Stretch your dollar

Budget-conscious 2011 Ford Expedition insurance can be found on the web and from local agencies, so you need to shop insurance with both to have the best selection. Some insurance companies may not have the ability to get a quote online and usually these regional insurance providers sell through independent insurance agents.

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability limits or collision coverage only to regret that it was a big error on their part. Your goal is to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Additional insurance coverage information can be read at these links: