2001 Ford Excursion Insurance Quotes – 10 Tips to Save

Want lower auto insurance rates? Drivers have a choice when trying to find the best price on Ford Excursion insurance. You can either waste hours calling around to compare prices or use the internet to make rate comparisons.

There is a better way to buy auto insurance and you need to know the proper way to compare rates for a new or used Ford and find the cheapest rates from local insurance agents and online providers.

It’s a good habit to shop coverage around quite often because prices are variable and change quite frequently. Just because you had the lowest rates on Excursion coverage at your last renewal you can probably find a lower rate today. You can search a lot of auto insurance online, but I’m going to show you some good information on how to put money back in your pocket.

If you have a policy now or need a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. This information will tell you the best way to quote coverages and some money-saving tips. Vehicle owners only need an understanding of the most efficient way to get comparison rates over the internet.

Save a ton with these ten car insurance discounts

Car insurance can cost a lot, but there’s a good chance there are discounts that many people don’t even know exist. Some trigger automatically when you complete an application, but less common discounts must be requested specifically in order for you to get them.

  • Telematics Discount – Drivers who elect to allow companies to scrutinize when and where they use their vehicle by using a small device installed in their vehicle such as State Farm’s In-Drive might get better premium rates if they are good drivers.
  • Claim-Free Discount – Insureds who avoid accidents and claims pay less in comparison with drivers who are more careless.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out life insurance.
  • Discount for Home Ownership – Just owning your own home can earn you a little savings due to the fact that maintaining a home requires personal responsibility.
  • Drivers Education – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Progressive and Allstate may permit one accident before raising your premiums if you have no claims for a particular time prior to the accident.
  • Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you can avoid monthly service charges.
  • Resident Student – Youth drivers who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Membership in Organizations – Affiliation with a civic or occupational organization could qualify you for a break on your policy.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you can get free auto insurance, nobody gets a free ride.

To see a list of insurance companies who offer car insurance discounts, click here to view.

The cheapest car insurance

There are a lot of ways to compare car insurance prices but one way is more efficient than others. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies belong to an insurance system where prospective buyers submit one quote, and at least one company provides a quote for coverage. This eliminates the need for quote forms to every company.

To participate in this free quote system, click here (opens in new window).

The single downside to getting quotes like this is that consumers can’t choose which providers you want to price. So if you want to choose from a list of companies to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.

The approach you take is up to you, just try to keep nearly identical information with every price quote. If you compare different coverage information it will be next to impossible to truly determine the lowest rate.

Auto insurance can get complicated

When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether your personal situation could use an agent’s help.

  • Are all vehicle passengers covered by medical payments coverage?
  • When should my teen driver be added to my policy?
  • Will filing a claim cost me more?
  • How can I force my company to pay a claim?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when driving on a suspended license?
  • Is my 2001 Ford Excursion covered for smoke damage?
  • Am I insured when driving a different vehicle?
  • When should I remove comp and collision on my 2001 Ford Excursion?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Save $485 a year. For real?

Consumers can’t escape the ads that promise big savings by companies like GEICO, State Farm and Progressive. All the ads make an identical promise that people will save if you get a free insurance quote and switch to their company.

How does every company charge less that you’re paying now? Here is the trick they use.

All the different companies can use profiling for the driver that earns them a profit. For instance, a profitable risk profile might be described as between the ages of 30 and 50, has no prior claims, and drives a car with an anti-theft system. A customer who meets those qualifications will probably get the lowest rates and will cut their rates if they switch.

Consumers who do not meet this ideal profile may be forced to pay higher premium rates which leads to business going elsewhere. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save that much when switching. That’s the way companies can truthfully make it sound like they have such great car insurance rates.

Each company has different criteria, so you really should compare many company’s car insurance rates. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

The coverage is in the details

Understanding the coverages of auto insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive auto insurance

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, damage from a tornado or hurricane and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, dental work, pain medications, EMT expenses and hospital visits. The coverages can be used in conjunction with a 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 any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage will cover damage that occurs to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like repair bills for other people’s vehicles, pain and suffering and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Ford Excursion.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Save for a rainy day

There are still a few companies who may not have rate quotes online and usually these smaller companies sell through independent insurance agents. More affordable insurance coverage can be bought on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates.

When shopping online for insurance coverage, you should never skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

In this article, we covered a lot of information how to get a better price on 2001 Ford Excursion insurance. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the best price on insurance coverage is with the least-expected company.

Much more information about insurance coverage can be read on the following sites: