How Much Does 2016 Ford Expedition Insurance Cost?

Searching for cheaper insurance coverage rates for your Ford Expedition? No one looks forward to paying for insurance coverage, particularly when the cost is too high.

Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company to get the lowest cost out there.

Consumers need to price shop coverage every six months because rates go up and down regularly. Despite the fact that you may have had the lowest rates on Expedition coverage last year you can probably find a better price now. There is a lot of bad information regarding insurance coverage on the web, but I’m going to show you some solid techniques on how to find cheap insurance coverage.

How to Lower Your Insurance Coverage Cost

All the larger insurance coverage companies like Allstate and Progressive quote coverage prices on the web. Getting online quotes is quite simple as you simply type in the coverages you want into the quote form. After the form is submitted, their system obtains reports for credit and driving violations and returns a price quote based on these factors. Online quotes streamlines rate comparisons, but having to visit different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to do this in order to find better prices.

The easiest way to get multiple rate quotes requires only one form to return rates from several different companies. It’s a real time-saver, requires much less work on your part, and makes price shopping online much more enjoyable. After your information is entered, it is quoted and you can choose any of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to compare pricing, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the insurance coverages identical to your current policy. Using the same limits helps guarantee you’re receiving a fair comparison for the exact same coverage.

Save $393 a year. For real?

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads make an identical promise about savings if you switch to their company. How can each company claim to save you money?

Different companies have a preferred profile for the type of customer that makes them money. For example, a preferred risk might be between 30 and 50, owns a home, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t measure up to these standards will be quoted higher premiums which usually ends up with the customer not buying. The ads say “customers who switch” not “everyone that quotes” save money. That’s why companies can make the claims of big savings.

This emphasizes why you need to compare as many rates as you can. It’s impossible to know which company will have the lowest Ford Expedition insurance rates.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be manually applied in order for you to get them.

  • Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Organization Discounts – Affiliation with a qualifying organization may earn a discount when buying insurance coverage on Expedition coverage.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on Expedition coverage with select insurance companies.
  • One Accident Forgiven – A few companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.

Keep in mind that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free insurance coverage policy, companies wouldn’t make money that way. Any qualifying discounts will cut your premiums.

A partial list of companies that may have these money-saving discounts include:

Check with every prospective company what discounts are available to you. All car insurance discounts may not apply in your state.

Do I just need basic coverages?

When choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • Where can I get insurance after a DUI in my state?
  • Should I buy additional glass protection?
  • Can I get a multi-policy discount?
  • Why do I need rental car insurance?
  • Am I covered if I hit a deer?
  • Does coverage extend to a rental car in a foreign country?
  • Is my 2016 Ford Expedition covered for flood damage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Coverage for collisions

Collision coverage will pay to fix damage to your Expedition resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses like prosthetic devices, chiropractic care and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, a broken windshield, hitting a bird, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, loss of income, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2016 Ford Expedition.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

At the end of the day…

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage for the lowest price.

The cheapest 2016 Ford Expedition insurance is attainable on the web and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance coverage companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

More information is located on the following sites: