View 2013 Ford Expedition Car Insurance Rates

Consumers have a choice when looking for low-cost Ford Expedition insurance. They can either waste time driving around getting price quotes or use the internet to get rate quotes. There are more efficient ways to shop for insurance so you’re going to learn the absolute fastest way to price shop coverage for a Ford and find the best price possible from both online companies and local agents.

Pieces of the Ford Expedition insurance rate puzzle

An important part of buying insurance is that you know the rating factors that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get big savings.

Listed below are some of the factors used by your company to calculate your rates.

  • A lapse in coverage is a bad thing – Letting your insurance expire is a quick way to bump up your auto insurance costs. Not only will you pay more, but being ticketed for driving with no insurance will get you a steep fine or even jail time.You may need to file a SR-22 with your state DMV.
  • Younger drivers pay higher rates – Teen drivers are statistically proven to be less responsible behind the wheel so auto insurance rates are higher. Adding a youthful driver onto a policy can be very expensive. Older drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Being married is a good thing – Being married actually saves money when buying auto insurance. It usually means you are more responsible and it’s proven that being married results in fewer claims.
  • Rates may be lower depending on your job – Occupations such as doctors, executives and dentists tend to pay the highest average rates due to stressful work requirements and lots of time spent at work. Other occupations such as actors, historians and retirees have the lowest average rates on Expedition coverage.
  • Theft deterrents lower rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.

Save money by taking advantage of these discounts

Companies that sell car insurance do not list all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Passive Restraints and Air Bags – Cars that have air bags may earn rate discounts of more than 20%.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on Expedition coverage than their less cautious counterparts.
  • Memberships – Affiliation with a qualifying organization could trigger savings on insurance coverage on Expedition coverage.
  • Auto/Home Discount – When you have multiple policies with the same company you will save approximately 10% to 15%.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper since new cars are generally safer.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of companies who offer insurance coverage discounts, follow this link.

When should I use an insurance agent?

When it comes to choosing coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • How high should deductibles be on a 2013 Ford Expedition?
  • Does medical payments coverage apply to all occupants?
  • Which is better, split liability limits or combined limits?
  • Is extra glass coverage worth it?
  • Does having multiple vehicles earn me a discount?
  • Who is covered when they drive my 2013 Ford Expedition?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy coverages for a 2013 Ford Expedition

Having a good grasp of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverages – Collision coverage pays for damage to your Expedition caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, falling objects and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills for things like dental work, nursing services, prosthetic devices, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverage – This protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, structural damage, attorney fees, medical services and repair costs for stationary objects. How much coverage you buy is up to you, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Expedition.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Online plus local equals savings

People who switch companies do it for many reasons like questionable increases in premium, high rates after DUI convictions, being labeled a high risk driver or even policy non-renewal. No matter why you want to switch, finding a new auto insurance company can be easier than you think.

We covered a lot of tips how to reduce 2013 Ford Expedition insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest priced auto insurance comes from a lesser-known regional company.

The cheapest insurance can be bought from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and these regional insurance providers work with independent agents.

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