2015 Ford Expedition Insurance Cost

Having to pay for overpriced Ford Expedition insurance can drain your personal savings and force you to prioritize other expenses. Shopping your coverage around is a smart way to lower your monthly bill.

Big-name insurance companies like Allstate, Progressive and GEICO persitently shower you with ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s smart to price shop coverage before your policy renews because prices change quite often. Even if you think you had the best price on Expedition coverage six months ago there may be better deals available now. There is a lot of bad information regarding car insurance online but I’m going to show you some great ways to stop overpaying for insurance.

If you currently have car insurance, you will be able to lower your premiums substantially using these tips. Finding affordable coverage is not rocket science. But car owners must know how insurance companies sell online and use this information to your advantage.

Factors that can influence Ford Expedition insurance rates

An important part of buying insurance is that you know some of the elements that go into determining insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Your credit rating is important – Credit history is a important factor in calculating your insurance rates. Therefore, if your credit rating is not that good, you could potentially save money when insuring your 2015 Ford Expedition by improving your credit score. People with high credit scores tend to be more responsible than those with lower credit scores.
  • More people means more accidents – Residing in less populated areas can be a good thing when insuring your vehicles. Drivers in populated areas regularly have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Lower miles equals lower premium – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. If your policy improperly rates your Expedition can result in significantly higher rates. Make sure your insurance declarations sheet is rated on the correct usage for each vehicle.
  • Battle of the sexes – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women cause accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high insurance rates.
  • Special features that cut premiums – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Too many insurance claims drive up costs – Car insurance companies give better rates to drivers who are claim-free. If you file claims often, you can definitely plan on higher rates. Your insurance policy is designed for major claims that would cause financial hardship.

How to Get Insurance Coverage Comparison Quotes

Effectively comparing insurance coverage prices can be challenging if you don’t utilize the fastest way to get free quotes. You could waste a few hours talking about coverages with insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

All the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company returns a rated price based on that information. This saves time by eliminating quotation requests to each company.

To get comparison pricing now click here to open in new window.

The one downside to comparing rates this way is that you can’t choose the providers to get pricing from. If you would rather choose from a list of companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever method you choose, be sure to compare apples-to-apples coverages for each comparison quote. If you compare different liability limits it’s impossible to determine the lowest rate for your Ford Expedition. Just a small difference in limits can result in a big premium difference. Just keep in mind that obtaining a wide range of quotes helps you find a lower rate.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Certain discounts will be applied at quote time, but some may not be applied and must be asked about before you will receive the discount.

  • Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company qualifies for this discount.
  • Organization Discounts – Participating in a civic or occupational organization could trigger savings when shopping for insurance coverage on Expedition coverage.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on Expedition coverage with select insurance companies.
  • Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of 20% or more.

Keep in mind that some credits don’t apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will cut your premiums.

Car insurance companies that may offer these discounts include:

Check with all companies you are considering how you can save money. Savings might not be offered in every state.

Everyone needs different coverages

When it comes to buying the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine whether or not you could use an agent’s help.

  • Which companies will insure high-risk drivers?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage when using my vehicle for my home business?
  • Does insurance cover tools stolen from my truck?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Learn about insurance coverages for a 2015 Ford Expedition

Learning about specific coverages of a insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as funeral costs, hospital visits, ambulance fees, rehabilitation expenses and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Liability car insurance

Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, loss of income and medical expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Expedition.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, rock chips in glass, damage from flooding and damage from getting keyed. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This 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 sideswiping another vehicle, driving through your garage door and backing into a parked car. 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 increase the deductible to get cheaper collision coverage.

Final thoughts

We covered many ways to reduce 2015 Ford Expedition insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage only to find out that it was a big mistake. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

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