2002 Ford Excursion Insurance Quotes – 6 Ideas for Best Rates

Have you had enough of robbing Peter to pay Paul to buy car insurance? You are no different than most other drivers.

Since drivers have many insurance providers from which to choose, it can be hard to find the lowest price car insurance provider.

First Step: Get free auto insurance quotes

When comparison shopping, there are several ways of comparing rates from companies that offer auto insurance in your state. By far the easiest way to find competitive 2002 Ford Excursion insurance rates is to use the internet to compare rates. It’s really quite simple and can be done by using one of the methods below.

  • The most recommended method consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method saves time by eliminating a different quote for each company you want a rate for. Completing one form gets prices estimates from many national carriers.
  • A different way to find lower rates is to take the time to go to the website for every company you want to comare and go through the quote process again. For examples sake, we’ll pretend you want rates from Liberty Mutual, Allstate and Farmers. In order to get each rate, you would have to go to each individual site to enter your coverage information, and that explains why we recommend the first method.

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

  • The least recommended method to compare rates is driving around to insurance agents’ offices. Quoting online makes this process obsolete unless you have a complicated situation and need the trained guidance only provided by licensed agents. Some companies do allow you to comparison shop online and still use a local agent.

However you get your quotes, be sure to compare nearly identical coverage information with every price quote. If you are comparing mixed coverages it will be nearly impossible to determine the best price for your Ford Excursion. Just a small difference in limits may cause a big price difference. And when comparison shopping, comparing more rates from different companies gives you a better chance of getting a lower rate. Some companies don’t provide online price quotes, so it’s important to also get price estimates from the smaller companies as well.

Auto Insurance Discounts

Auto insurance is neither fun to buy or cheap, but you might find some hidden discounts that many consumers don’t even know exist. Most are applied at the time of purchase, but less common discounts must be asked for in order for you to get them.

  • Professional Organizations – Being a member of qualifying clubs or civic groups may earn a discount on your next renewal.
  • Discount for Life Insurance – If the company offers life insurance, you could get a lower price if you buy a life policy as well.
  • New Vehicle Savings – Insuring a vehicle that is new is cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-Vehicle Discounts – Insuring multiple cars or trucks with the same company can reduce rates for all insured vehicles.
  • Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates for Excursion insurance compared to accident prone drivers.
  • Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

To see a list of auto insurance companies who offer free auto insurance quotes, follow this link.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Is my babysitter covered when using my vehicle?
  • Can I get a multi-policy discount?
  • Do I need added coverage for expensive stereo equipment?
  • I have health insurance so do I need medical payments coverage?
  • When should my teen driver be added to my policy?
  • What happens if I owe more than my 2002 Ford Excursion is worth?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance 101

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

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

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision insurance

Collision coverage pays for damage to your Excursion resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like bail bonds, funeral expenses, loss of income, emergency aid and legal defense fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for X-ray expenses, pain medications and surgery. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage