Have you fallen victim to an overpriced insurance coverage policy? Trust us when we tell you there are many people just like you.
Popular companies such as Progressive, Geico and Farmers Insurance constantly bombard you with ad campaigns and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.
You need to shop coverage around quite often since insurance rates are adjusted regularly by insurance companies. Even if you got the best price for Expedition coverage last year the chances are good that you can find a lower rate today. Starting now, ignore everything you know about insurance coverage because you’re going to learn the quickest way to properly buy coverages and cut your premium.
Comparing insurance coverage rates can be challenging if you don’t understand the easiest way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes for quick rates.
All the larger companies are enrolled in a marketplace where prospective buyers complete one form, and each participating company then gives them pricing for coverage. This saves time by eliminating quote forms for each company. To fill out one form to compare multiple rates now click here (opens in new window).
The single downside to pricing coverage this way is buyers cannot specifically choose the providers to get pricing from. If you wish to select individual companies to receive pricing from, we have a page of companies who write insurance coverage in your area. View list of insurance companies.
Whichever method you choose, double check that you are using apples-to-apples coverage limits on every quote you get. If you enter different values for each quote you will not be able to make a fair comparison for your Ford Expedition. Quoting even small variations in coverages may cause a big price difference. And when comparing insurance coverage rates, know that more quotes gives you a better chance of getting a lower rate.
Companies don’t list all available discounts in a way that’s easy to find, so here is a list some of the best known and also the lesser-known insurance coverage savings.
A little note about advertised discounts, most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.
For a list of providers who offer insurance coverage discounts, click here to view.
When buying the best auto insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.
If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Understanding the coverages of a car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as surgery, chiropractic care and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Expedition.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision insurance covers damage to your Expedition from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sustaining damage from a pot hole, sideswiping another vehicle, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like vandalism, theft, hitting a bird, rock chips in glass and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability car insurance
This provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others, 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. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims like repair bills for other people’s vehicles, medical services, loss of income and attorney fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.
We just presented many ideas to lower your 2002 Ford Expedition insurance rates. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest priced insurance comes from the least-expected company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.
When you buy insurance online, make sure you don’t buy poor coverage just to save money. There are too many instances where an insured cut liability coverage limits only to regret at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.