1999 Ford Expedition Insurance Cost – 7 Policy Discounts

Trying to find lower car insurance rates for your Ford Expedition? Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you there are lots of people in the same boat.

Companies like State Farm, Allstate, Geico and Progressive increase brand awareness with catchy ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s a good habit to compare prices occasionally due to the fact that insurance rates change regularly. Even if you think you had the lowest rates on Expedition coverage a few years ago you will most likely find a better rate today. Don’t believe everything you read about car insurance online, so with this article, you’re going to get some proven techniques to save money.

If you have car insurance now, you should be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers must comprehend the way companies price insurance differently.

Finding Insurance Deals

There are several ways to compare quotes from local insurance companies. The best way to compare 1999 Ford Expedition insurance prices is simply to get online rate quotes. This can be accomplished using a couple different methods.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do repetitive form submissions to each individual insurance company. One simple form will return price quotes direct from many companies.
  2. A more time consuming way to get comparison quotes requires a trip to the website for each individual company to complete a price quote. For sake of this example, let’s say you want rates from Farmers, Liberty Mutual and American Family. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just compare exactly the same information for each comparison quote. If you have different limits and deductibles on each one you will not be able to determine the lowest rate for your Ford Expedition. Just a small difference in insurance coverages may cause a big price difference. It’s important to know that quoting more gives you a better chance of getting the best rates.

Everyone needs different coverages

When choosing adequate coverage, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether or not you could use an agent’s help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Is my 1999 Ford Expedition covered for smoke damage?
  • What is the minimum liability in my state?
  • Should I buy additional glass protection?
  • How much can I save by bundling my policies?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage breakdown

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Auto liability – This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, fire damage and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1999 Ford Expedition.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills like nursing services, ambulance fees, prosthetic devices, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage