Cheap 1998 Ford Expedition Car Insurance Quotes

Looking for cheaper insurance rates for your Ford Expedition? Finding cheaper insurance for a new or used Ford Expedition can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to shop for insurance and we’ll show you the proper way to quote coverages for a Ford and locate the lowest price either online or from local insurance agents.

Finding affordable coverage is quite easy. If you have a policy now or are just looking to switch companies, you will benefit by learning to find better prices and still get good coverage. Drivers only need an understanding of the most efficient way to compare price quotes online.

Discount car insurance rates

Companies that sell car insurance don’t necessarily list every available discount very clearly, so the below list has a few of the more common and also the lesser-known credits available to lower your premiums when you buy insurance online.

  • E-sign – A few larger companies may give you up to $50 for completing your application over the internet.
  • Good Grades Discount – This discount can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Responsible Driver Discounts – Accident-free drivers could pay up to 40% less on Expedition coverage compared to rates paid by drivers with frequent claims.
  • Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and Allstate will let one accident slide without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
  • College Student – living away from home attending college and leave their car at home can be insured at a reduced rate.

Consumers should know that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower the cost of your policy.

Insurance companies that may offer quotes with most of these discounts include:

If you are trying to find inexpensive insurance quotes, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not be offered in your area. To see a list of companies with discount rates, click this link.

How to buy insurance online

All major insurance companies such as Allstate and Progressive give insurance quotes directly from their websites. Obtaining pricing is very simple as you simply enter the coverage amounts you desire on the page. After you submit the form the system orders credit information and your driving record and quotes a price.

Online quotes helps simplify price comparisons, but the time it takes to visit multiple sites and type in the same data can be a bit tiresome and repetitive. But it’s absolutely necessary to do this if you want to get a better rate.

Online rates the easy way

An easier way to locate the lowest prices is to use a quote form to return rates from a bunch of companies at once. It saves time, requires much less work on your part, and makes quoting online a little more enjoyable. Immediately after submitting the form, it gets priced and you can select your choice of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It takes just a few minutes to complete and could lower your rates considerably.

To use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you type in deductibles and limits identical to your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison based on similar coverages.

Decisions you make can impact your insurance prices

Lots of things are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other criteria are less apparent such as your marital status or how safe your car is.

  • Certain vocations pay higher premiums – Occupational choices like military generalspolice officers and emergency personnel tend to pay higher premium rates attributed to intense work situations and lengthy work days. Other careers such as farmers, engineers and the unemployed get better rates on Expedition coverage.
  • Bad credit hurts insurance premiums – Your credit rating will be a significant factor in determining what you pay for auto insurance. Therefore, if your credit history is lower than you’d like, you may save money insuring your 1998 Ford Expedition by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims than those with poor credit.
  • How many miles do you drive? – Driving more miles in a year the more you’ll pay to insure your vehicle. A lot of insurance companies rate vehicles partially by how you use the vehicle. Autos that sit idle most of the time receive better premium rates than cars that get driven a lot. Having an incorrect usage rating on your Expedition may be costing you higher rates. It’s always a good idea to double check that your vehicle rating correctly shows annual mileage, because improper ratings can cost you money.
  • Married people drive safer – Having a significant other may save some money on your auto insurance bill. Marriage demonstrates that you tend to be more mature than a single person and statistics prove married drivers tend to file fewer claims.
  • Don’t cancel your policy without a new one in place – Having an insurance coverage lapse is a sure-fire way to trigger a rate increase. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • How your age affects rates – More mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and are safer drivers.Beginning drivers are statistically proven to be inattentive and easily distracted with other occupants in the car therefore auto insurance rates are much higher.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Is my 1998 Ford Expedition covered for smoke damage?
  • Am I covered when driving in Canada or Mexico?
  • Should I have a commercial auto policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my teenager covered with friends in the car?
  • If my pet gets injured in an accident are they covered?
  • What is the rate difference between pleasure use and commuting?
  • Does having multiple vehicles earn me a discount?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Detailed coverages of your auto insurance policy

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, rehabilitation expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, vandalism and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Ford Expedition.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, medical expenses, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

One last thing about your coverage

Drivers who switch companies do it for a number of reasons such as delays in paying claims, poor customer service, lack of trust in their agent or even extreme rates for teen drivers. Whatever your reason, finding a new company can be pretty painless.

Cheaper 1998 Ford Expedition insurance can be bought online and from local insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some car insurance companies don’t offer online quoting and many times these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.

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