2003 Ford Excursion Insurance Quotes – 5 Tricks for Cheapest Rates

Trying to find better car insurance rates for your Ford Excursion? Purchasing the most affordable car insurance online is intimidating for consumers new to buying insurance on the web. With so many choices of online companies available, how can drivers effectively compare them all to find the lowest price available?

It’s a good habit to price shop coverage once or twice a year since rates are variable and change quite frequently. Even if you got the best rates for Excursion coverage on your last policy you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the fastest and easiest way to save money, get proper coverage and the best rates.

Insurance Prices Online

All the larger insurance companies like State Farm and Allstate quote insurance quotes online. This process doesn’t take much effort as you just enter the coverages you want into a form. When complete, the company’s rating system requests your credit score and driving record and returns a price.

Online price quotes makes comparing rates easy, but the process of having to visit different websites and type in the same information can be a bit tiresome and repetitive. But it is imperative to do this if you want to find better prices.

The preferred way to compare rates utilizes a single form to get prices from multiple companies. It saves time, eliminates repetitive work, and makes rate comparisons much more enjoyable. Immediately after you send the form, it is rated and you are able to buy any of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. It only takes a few minutes and you’ll know if lower rates are available.

To get comparison pricing now, click here to open in new window and submit the form. If you have coverage now, it’s recommended you complete the form with the coverage information as close as possible to your current policy. This ensures you will receive a fair comparison using the exact same coverages.

Your personal situation dictates your coverage

When buying the right insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether or not you may require specific advice.

• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when pulling a rental trailer?
• Am I covered when driving someone else’s vehicle?
• Do I need replacement cost coverage?
• How much liability insurance is required?
• Do I really need UM/UIM coverage?
• At what point should I drop full coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Can I still get insurance after a DUI?
• What exactly is covered by my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverages for a 2003 Ford Excursion

Learning about specific coverages of insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as medical expenses, repair costs for stationary objects, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, fire damage, falling objects and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as ambulance fees, chiropractic care, X-ray expenses and doctor visits. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Auto collision coverage

Collision insurance covers damage to your Excursion resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Excursion.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.