1998 Ford Expedition Car Insurance Rates – 9 Tips for Cheaper Quotes

Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse. Numerous auto insurance companies battle for your business, and it can be difficult to compare rates to get the cheapest price

You should make it a habit to shop coverage around occasionally due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the lowest price on Expedition coverage two years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to quote online to find better coverage at a better price.

Finding Auto Insurance

All major auto insurance companies such as Allstate and Progressive give insurance quotes directly from their websites. This process is quite easy as you just type in the amount of coverage you want into the quote form. After you submit the form the company’s rating system orders information on your driving record and credit history and generates a price determined by many factors. This streamlines rate comparisons, but having to visit a lot of sites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step in order to get better prices.

There is an easier way!

A quicker way to find better auto insurance pricing utilizes a single form that gets price quotes from more than one company. This type of form saves time, requires less work, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it is rated with multiple companies and you can pick any one of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you copy deductibles and limits identical to your current policy. This way, you will get a rate comparison based on similar coverages.

Discounts are available to cut your rates

Companies that sell car insurance don’t always list every available discount very clearly, so we break down some of the more common and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • No Claims – Good drivers with no accidents can save substantially compared to drivers who are more careless.
  • Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
  • No Charge for an Accident – A few companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Defensive Driver – Taking part in a driver safety course could save 5% or more depending on where you live.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on Expedition coverage.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.

Drivers should understand that some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky.

Insurance companies who might offer these discounts are:

Check with each insurance company what discounts are available to you. All car insurance discounts might not apply in your state.

Everyone needs different coverages

When buying coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might help in determining whether you may require specific advice.

  • Which companies will insure high-risk drivers?
  • When should I drop full coverage on my 1998 Ford Expedition?
  • Does my insurance cover my expensive audio equipment?
  • Will I lose any money if I cancel my policy before it expires?
  • I have a DUI can I still get coverage?
  • What is the ISO rating for a 1998 Ford Expedition?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is there coverage for injuries to my pets?
  • Am I covered if I wreck a rental car?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverage specifics

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, falling objects, fire damage and rock chips in glass. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages

Liability coverage will cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, legal defense fees, pain and suffering and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage 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 things like driving through your garage door, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for X-ray expenses, pain medications, funeral costs and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

At the end of the day…

When buying insurance coverage, never reduce coverage to reduce premium. There are too many instances where an insured dropped full coverage only to regret at claim time that it was a big mistake. Your aim should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Cheap 1998 Ford Expedition insurance is definitely available both online and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide online price quotes and these smaller companies work with independent agents.

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