Cheaper 2009 Ford Expedition Insurance Rates

Are you a victim of an overpriced auto insurance policy? Believe me, there are many people just like you. Having so many auto insurance companies to choose from, it can be diffult for consumers to find the lowest cost car insurance company.

Compare Auto Insurance Costs

Getting a cheaper price on 2009 Ford Expedition insurance can be relatively painless. The only thing you need to do is spend a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The fastest way to get quotes for comparison is a comparison rater form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for each company you want a rate for. Just one form gets rate comparisons from multiple companies.
  2. A harder way to compare prices is to take the time to go to each company website and complete a new quote form. For example, we’ll pretend you want to compare Geico, Liberty Mutual and Travelers. You would have to go to every website to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The least efficient way to compare rates is to spend time driving to different agent offices. Shopping for auto insurance online makes this process obsolete unless you require the professional advice that only a license agent can provide. You can, however, comparison shop your insurance online but buy from a local insurance agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but compare identical information on every quote you get. If you have differing limits you can’t possibly make a fair comparison for your Ford Expedition.

More discounts equal less premium

Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Most are applied when you purchase, but a few must be requested specifically before they will apply. If you don’t get every credit you qualify for, you are throwing money away.

  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on Expedition insurance with certain companies.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Drive Less and Save – Fewer annual miles on your Ford can earn a substantially lower rate.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. But any discount will cut the cost of coverage.

Car insurance companies who might offer these money-saving discounts include:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not apply in every state.

It’s not one size fits all

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Does coverage extend to a rental car in a foreign country?
  • Is my nanny covered when driving my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need roadside assistance coverage?
  • Are my friends covered when driving my car?
  • Do I need higher collision deductibles?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage breakdown

Understanding the coverages of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Expedition.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for prosthetic devices, EMT expenses, X-ray expenses and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, a broken windshield and falling objects. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance – This coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, medical expenses, court costs, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

The bottom line

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. There are too many instances where someone dropped physical damage coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

We just showed you many tips how you can get a better price on 2009 Ford Expedition insurance. It’s most important to understand that the more you quote, the better your comparison will be. You may even find the most savings is with the smaller companies. Some small companies may only write in your state and offer lower rates than their larger competitors like Allstate, Geico and Progressive.

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