Compare 2007 Ford Expedition EL Insurance Cost

Trying to find lower car insurance rates for your Ford Expedition EL? Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you many consumers feel financially strained by their car insurance policy. Online insurance companies like State Farm and Geico all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should make it a habit to compare prices occasionally since rates are variable and change quite frequently. If you had the best price for Expedition EL insurance on your last policy there may be better deals available now. So just forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to find better rates and still maintain coverage.

Discounts are great for lower rates

Auto insurance companies do not advertise every discount very well, so here is a list both the well known and the harder-to-find ways to save on auto insurance. If you don’t get every credit possible, you are throwing money away.

  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Expedition EL insurance depending on your company.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Expedition EL insurance than less cautious drivers.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

Insurance companies that may have these discounts include:

Before buying, ask all companies you are considering which discounts they offer. Savings may not apply in every state.

Low Cost Insurance Coverage

There are a variety of methods to compare 2007 Ford Expedition EL insurance coverage prices and some are less time-consuming than others. You can waste a lot of time talking about coverages with agents in your area, or you can utilize the web to get prices fast.

Most major companies enroll in a system that enables customers to enter their policy data once, and at least one company then returns a price quote based on that information. This eliminates the need for repetitive form submissions for every insurance coverage company.

To submit your quote information now, click here to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose which carriers to get pricing from. So if you want to choose individual companies to compare prices, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

Whichever method you choose, ensure you are comparing identical coverage limits and deductibles with each company. If the quotes have unequal deductibles or liability limits it’s impossible to decipher which rate is best.

You may need specialized coverage

When it comes to choosing the best insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • What is no-fault insurance?
  • Why do I need rental car insurance?
  • Can my babysitter drive my car?
  • Do I benefit by insuring my home with the same company?
  • How high should my medical payments coverage be?
  • Will filing a claim cost me more?
  • What is high-risk coverage and where do I buy it?
  • If my pet gets injured in an accident are they covered?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, fire damage and vandalism. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

This will cover damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of 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 liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, medical services, court costs and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Expedition EL caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Expedition EL.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for doctor visits, chiropractic care, rehabilitation expenses, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage on a shoestring budget

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price while still protecting your assets.

You just read a lot of techniques to save on 2007 Ford Expedition EL insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from the smaller companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Geico and State Farm.

Affordable insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

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