How Much Does 2017 Ford Expedition Insurance Cost?

Shoppers have lots of choices when shopping for the best price on Ford Expedition insurance. You can either spend your time driving around getting price quotes or save time using the internet to find the lowest rates.

There are more efficient ways to shop for car insurance and we’ll show you the absolute fastest way to price shop coverage for your Ford and locate the lowest possible price from both online companies and local agents.

Consumers should take time to check car insurance prices before your policy renews because car insurance prices fluctuate regularly. Just because you had the best quotes on Expedition insurance six months ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to get a crash course in the fastest way to reduce your cost while increasing coverage.

Buy auto insurance online

Cutting your auto insurance rates is a fairly straight forward process. All that’s required is to take time comparing free auto insurance quotes to find. This is very easy and can be done in several different ways.

  • If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating separate quotation requests for each company. Completing one form will get you price quotes from all major companies.It’s the quickest way to get rates.
  • A more difficult way to get quotes online requires you to visit the website for each individual company and complete a new quote form. For sake of this example, we’ll pretend you want to compare prices for Progressive, 21st Century and GMAC. To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering the same coverage data for each price quote. If you are comparing differing limits you will not be able to get a fair rate comparison.

Get cheap insurance with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that may help make it more affordable. Certain reductions will be credited when you purchase, but some discounts are required to be asked for before they will apply. If you’re not getting every credit possible, you are throwing money away.

  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Early Switch Discount – Select companies give a discount for switching policies prior to the expiration date on your current policy. The savings is around 10%.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Defensive Driving Course – Taking part in a driver safety course could save 5% or more if your company offers it.
  • No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote as opposed to accident-prone drivers.
  • Life Insurance Discount – Insurance companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates on Expedition insurance as compared to drivers with claims.
  • Homeowners Discount – Simply owning a home can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.

Don’t be shocked that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, you’re out of luck.

To see companies that offer many of these discounts, click here.

Components of your Ford Expedition insurance prices

Consumers need to have an understanding of some of the factors that help calculate your policy premiums. If you know what determines base rates, this allows you to make educated decisions that will entitle you to lower premium levels.

The items below are most of the major factors companies use to determine premiums.

  • Poor driving means higher premiums – Even one chargable violation could increase your next policy renewal by twenty percent. Drivers with clean records pay less for auto insurance compared to drivers with tickets. Drivers who get careless citations like reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Safer vehicles lower premiums – Safe vehicles are cheaper to insure. Safer cars protect occupants better and reduced instances of injuries means lower claim amounts which can mean better rates for you.
  • Compare rates if you combine your policies – Most major insurers allow lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, you still need to compare other company rates to make sure you are getting the best deal. Consumers may save even more by buying insurance from more than one company.
  • Insurance rates for married couples – Having a significant other may earn you lower rates on your insurance bill. It translates into being more mature and responsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Higher physical damage deductibles save money – Physical damage insurance, also called ‘full coverage’, covers your vehicle from damage. Examples of some claims that would be covered could be colliding with a building, damage caused by hail, and rolling your vehicle. The deductibles you choose tell how much you are willing to pay if the claim is covered. The more money you have to pay, the less your company will charge you for insurance on Expedition insurance.
  • Better rates with anti-theft devices – Choosing a vehicle with advanced anti-theft systems can get you a discount on your insurance. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder vehicle theft.
  • With age comes lower costs – Beginning drivers have a tendency to be inattentive with other occupants in the car and because of this, their insurance rates are much higher. Adding a beginning driver onto a policy can be very expensive. Mature drivers are more cautious drivers, tend to cause fewer accidents .
  • Are females or males drivers cheaper? – Over the last 30 years, statistics show women are more cautious behind the wheel. However, don’t assume that females are better at driving than males. Both sexes are responsible for auto accidents in similar numbers, but males tend to have higher claims. In addition to higher claims, males also get cited for more serious violations like driving under the influence (DUI). Young males are the most expensive to insure and are penalized with high insurance rates.

Tailor your insurance coverage to you

When buying the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • Do I need medical payments coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 2017 Ford Expedition to commute?
  • I don’t drive much so do I pay less?
  • Is rental equipment covered for theft or damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is there coverage for injuries to my pets?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my babysitter covered when using my vehicle?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Buyer beware of car insurance advertising tricks

Consumers can’t get away from ads that claim the lowest rates by Allstate, GEICO and Progressive. All the companies say the same thing that drivers will save a bundle after switching your coverage.

How do they all cost less than your current company?

Insurance providers have a preferred profile for the type of driver that will be a good risk. A good example of a desirable insured might be over age 30, has no tickets, and the vehicle is rated for pleasure use. A driver that meets those criteria will get the preferred auto insurance rates and will also save when switching.

Consumers who do not match these standards may be forced to pay higher prices which usually ends up with the customer not purchasing. The wording the ads use say “customers that switch” not “everybody who quotes” save that much when switching. That is how companies can make those claims.

Each company has different criteria, so you really should compare free auto insurance quotes often. It’s impossible to know with any certainty which company will have the best prices at this point in time.

Car insurance coverages 101

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like rehabilitation expenses, pain medications, hospital visits and dental work. The coverages can be used to cover expenses not covered by 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. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, hail damage, vandalism and rock chips in glass. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability insurance can cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for 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. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, repair costs for stationary objects, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

What is YOUR best insurance company?

You just learned a lot of techniques to compare 2017 Ford Expedition insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. You may even find the best prices are with a small mutual company.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone dropped liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Discount 2017 Ford Expedition insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide the ability to get quotes online and many times these regional insurance providers only sell through local independent agents.

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