Trying to find lower insurance coverage rates for your Ford Expedition? Are you overwhelmed by the wide range of insurance coverage choices? Many other drivers are as well. You have so many options that it can quickly become a big hassle to find the best price.
Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so we took the time to find some of the best known as well as the least known discounts you could be receiving.
It’s important to understand that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous.
For a list of insurance companies who offer insurance discounts, follow this link.
There are several ways you can shop for Ford Expedition insurance coverage but some are easier and takes less work. You could spend your day talking to agents in your area, or you can utilize the internet for quick rates.
The majority of car insurance companies participate in a marketplace where prospective buyers send in one quote, and each company can give them a price based on the submitted data. This eliminates the need for repetitive form submissions for each company. To compare 2006 Ford Expedition rates using this form now click here (opens in new window).
The only drawback to comparing rates this way is you can’t choose the insurers you want to price. So if you want to choose from a list of companies to request quotes from, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.
Whichever way you use, be sure to compare apples-to-apples information with each company. If you enter mixed coverages it will be very difficult to make an equal comparison. Just a small difference in limits may result in a large different in cost. And when quoting insurance coverage, remember that more quotes provides better odds of finding a better price.
When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s needs are different.
Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.
Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Medical payments and Personal Injury Protection insurance kick in for bills like hospital visits, surgery, EMT expenses, pain medications and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
This coverage can cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability can pay for claims such as repair costs for stationary objects, attorney fees, court costs and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Expedition.
Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as falling objects, hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision insurance 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 then insurance will cover the remainder.
Collision can pay for claims such as driving through your garage door, backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
We just covered a lot of ways to lower your 2006 Ford Expedition insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with a small mutual company.
When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best price while still protecting your assets.
Discount insurance can be sourced both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance coverage companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.
More detailed insurance coverage information can be read by following these links: