2018 Ford Expedition Insurance Rates

Shoppers have a choice when shopping for the lowest priced Ford Expedition insurance. They can either waste time contacting agents getting price quotes or use the internet to compare rates. There is a better way to compare insurance coverage rates and we’ll show you the quickest way to compare rates on a Ford and find the best price possible from local insurance agents and online providers.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to learn the proper methods to get comparison quotes online.

How you can control Ford Expedition insurance rates

Part of the insurance buying process is learning some of the elements that come into play when calculating the price you pay for insurance. If you know what positively or negatively impacts your premiums, this enables informed choices that will entitle you to better insurance rates.

  • Single drivers take more risk – Having a significant other actually saves money when shopping for insurance. Marriage demonstrates that you tend to be less irresponsible it has been statistically shown that married drivers get in fewer accidents.
  • How credit history affects insurance premiums – Your credit rating can be an important factor in your rate calculation. Insureds that have high credit scores tend to file fewer claims and have better driving records than those with worse credit. If your credit history could use some work, you could pay less to insure your 2018 Ford Expedition by taking the time to improve your credit score.
  • Prices increase with policy add-ons – Policies have extra add-on coverages that can add up if you aren’t diligent. Coverages like rental car coverage, towing, and term life insurance are probably not needed. You may think they are a good idea at first, but if you’ve never needed them in the past get rid of them and save.
  • Better rates on safer vehicles – Cars with five star safety ratings are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and thus lower rates.
  • Multiple policies with one company – Most larger insurance companies will award a discount for people that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, consumers should still shop around to confirm you are receiving the best rates possible. You may still be able to save even more than the discount by buying insurance from a different company.
  • Women pay lower premiums – Statistics have proven that females tend to be a little less risky than males. However, this does not mean men are worse drivers. Women and men get in accidents at about the same rate, but men have accidents that have higher claims. In addition to higher claims, males also get more serious tickets like reckless driving and DUI.
  • Save money with alarm systems – Driving a car that has an advanced theft prevention system can get you a discount on your insurance. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your vehicle from being stolen.
  • Where you call home – Residing in less populated areas of the country may provide you with better prices when shopping for auto insurance. Urban drivers have to deal with congested traffic and a longer drive to work. Fewer drivers and short commutes means a lower chance of having an accident and lower theft and vandalism rates.

How to compare free auto insurance price quotes

Lowering your 2018 Ford Expedition auto insurance rates can be surprisingly simple. Drivers just need to take a couple of minutes to compare free car insurance quotes to find the company with affordable car insurance quotes. This is very easy and can be done in several different ways.

  1. The recommended way consumers can analyze rates is to use a rate comparison form click to view form in new window. This style of form keeps you from doing repetitive form entry for each price estimate. Completing one form will return price quotes from several companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to analyze rates requires a trip to the website for each individual company to request a price quote. For sake of this example, let’s say you want to view quotes from Allstate, Geico and Travelers. To do that, you would have to go to every website and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

The method you choose is up to you, but ensure you’re using the same coverages for each comparison quote. If you enter differing limits it will be very difficult to truly determine the lowest rate.

Do insurance coverage companies bend the truth?

Consumers can’t avoid all the ads for insurance coverage savings from the likes of Geico, State Farm and Progressive. All the companies convey the message that you can save just by moving your insurance coverage policy to them.

How does every insurance coverage company charge lower premium rates? This is how they do it.

Many companies have specific characteristics for the right customer they prefer to insure. For example, a profitable customer could be between 30 and 50, has no claims, and insures a new vehicle. Any customer that meets those criteria receives the best car insurance rates and will save money with a new company.

Drivers who may not quite match this stringent profile may be forced to pay higher premiums and the customer buying from a different company. The wording the ads use say “people who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can truthfully make claims like that. This emphasizes why you absolutely need to get as many free car insurance quotes as possible. It’s just too difficult to predict which insurance coverage company will have the lowest rate quotes.

Cheaper rates with these insurance coverage discounts

Not too many consumers would say insurance coverage is affordable, but you may be missing some discounts that you may not even know about. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be inquired about prior to getting the savings.

  • Good Students Pay Less – Getting good grades may save as much as 25% on a car insurance quote. This discount can apply up until you turn 25.
  • Accident Forgiveness – Not necessarily a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike if you have no claims for a specific time period.
  • Defensive Driver Discount – Passing a course teaching driver safety skills could cut 5% off your bill if your company offers it.
  • Data Collection Discounts – Insureds that choose to allow their company to monitor vehicle usage by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.
  • Active Military Service – Being deployed in the military could be rewarded with lower insurance coverage rates.
  • Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on Expedition coverage with a few insurance coverage companies.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.

You can save money using discounts, but most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.

If you would like to choose from a list of companies that can offer you the previously mentioned discounts, click here to view.

Car insurance can get complicated

When buying proper insurance coverage, there is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • How does medical payments coverage work?
  • Do I have newly-aquired coverage?
  • Does car insurance cover theft of personal property?
  • Can I afford low physical damage deductibles?
  • What is medical payments coverage?
  • What is the difference between comprehensive and collision coverage?
  • I have a DUI can I still get coverage?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Car insurance coverages for a 2018 Ford Expedition

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Ford Expedition.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance

Liability insurance can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, rock chips in glass and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for rehabilitation expenses, EMT expenses, funeral costs and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

In the end, you save

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at the lowest possible cost.

Affordable 2018 Ford Expedition insurance is available from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide price quotes online and many times these regional carriers only sell through independent agencies.

Drivers switch companies for a variety of reasons including questionable increases in premium, high rates after DUI convictions, unfair underwriting practices or extreme rates for teen drivers. Whatever your reason, finding a great new company is not as difficult as it may seem.

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