1999 Ford Expedition Insurance Rates – 7 Ideas for Cheaper Quotes

Locating the most affordable auto insurance may seem to be challenging for vehicle owners not familiar with comparing prices over the internet. With so many options of online companies, how are vehicle owners expected to possibly compare every auto insurance company to find cheaper auto insurance prices?

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Shopping for the cheapest car insurance is simple if you know the tricks. Nevertheless, consumers must understand the methods companies use to determine prices and take advantage of how the system works.

Find discounts to get cheap insurance quotes

Insuring your fleet can be pricey, but you can get discounts that many people don’t even know exist. Some discounts apply automatically when you purchase, but some may not be applied and must be specially asked for prior to receiving the credit.

  • Membership in Organizations – Joining certain professional organizations could qualify you for a break on your next renewal.
  • Early Switch Discount – Some companies reward drivers for switching to them prior to your current policy expiring. Ten percent is about the average savings.
  • Air Bags and Passive Restraints – Factory air bags can get savings of up to 25% or more.
  • Multi-car Discount – Drivers who insure multiple cars on one policy can reduce the rates for all insured vehicles.
  • Low Mileage Discounts – Driving fewer miles can qualify you for substantially lower premium rates.
  • Military Discounts – Being deployed with a military unit could qualify you for better insurance rates.
  • E-sign Discounts – Some of the larger companies give back up to $50 get insurance digitally online.

It’s important to note that most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, that’s just not realistic.

A partial list of companies that may have most of these discounts possibly include:

Before buying, ask every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policies in your area.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions could help you determine if your insurance needs might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Do I benefit by insuring my home with the same company?
  • Who is covered when they drive my 1999 Ford Expedition?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my state a no-fault state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?
  • How high should my uninsured/underinsured coverage be in my state?
  • When would I need additional glass coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Drivers who switch save $453 a year? Really?

Insurance companies such as State Farm, Allstate and GEICO seem to constantly run television and radio advertisements. They all say the same thing about savings if you change your insurance policy to them. How do they all give you a better price? Here is the trick they use.

Insurance companies quote the lowest rates for the type of insured that will most likely be profitable. For example, a profitable risk profile may need to be over the age of 50, has no driving citations, and drives a car with an anti-theft system. Anyone that fits those parameters will probably get cheap prices and will cut their rates if they switch.

Drivers who don’t meet these stringent criteria will see higher rates with the end result being the customer not purchasing. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much. That’s the way companies can truthfully make those claims.

Because of these techniques, drivers should do a quote comparison often. Because you cannot predict which insurance company will have the best premium rates.

The coverage is in the details

Understanding the coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, rolling your car, sideswiping another vehicle, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, hitting a bird, theft, a broken windshield and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Expedition.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like emergency aid, court costs and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, chiropractic care, EMT expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Saving money makes a lot of cents

Lower-priced car insurance is possible from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies may not have the ability to get quotes online and these regional carriers work with local independent agencies.

Insureds who switch companies do it for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, poor customer service or delays in paying claims. Regardless of your reason for switching companies, switching companies can be pretty painless.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an insured cut physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

More detailed car insurance information is available in these articles: