Cheaper 2002 Ford Expedition Insurance Cost

Consumers have lots of choices when looking for low-cost Ford Expedition insurance. They can either spend hours driving around trying to get quotes or save time using the internet to get rate quotes.

There are both good and bad ways to compare auto insurance rates so you’re going to learn the absolute fastest way to quote coverages for a Ford and locate the lowest price either online or from local insurance agents.

How to get free car insurance quotes online

Lowering your 2002 Ford Expedition car insurance rates isn’t really that difficult. You just need to spend a few minutes on the computer to compare rate quotes online from several insurance companies. This can easily be done by using one of the methods below.

1. Without a doubt, the easiest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating a different quote for every company. Completing one form gets you coverage quotes from car insurance companies with the best prices. This is by far the quickest method.
2. Another way to compare rate quotes requires visiting each company’s website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare prices for Progressive, Allstate and Liberty Mutual. In order to compare rates, you need to go to each individual site to input your insurance information, which can get old fast. For a list of links to companies insuring cars in your area, click here.
3. The old school method of comparing rate quotes is physically going to insurance agencies in your area. The fact that you can get quotes online makes this process obsolete unless you prefer the professional assistance of a licensed agent. It is possible to price shop your coverage online but still have the advice of a local agent.

Compare rates however you want, just compare apples-to-apples coverage limits for every quote you compare. If the quotes have higher or lower deductibles it’s impossible to make a fair comparison for your Ford Expedition.

Which policy gives me the best coverage?

When choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

• Am I insured when driving a different vehicle?
• Does liability extend to a camper or trailer?
• Does my 2002 Ford Expedition need full coverage?
• When should I buy a commercial auto policy?
• What is no-fault insurance?
• Should I buy only the required minimum liability coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance – Liability coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things like legal defense fees, bail bonds and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive protection – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like theft, rock chips in glass and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision coverage pays for damage to your Expedition resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, hitting a mailbox, rolling your car, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Medical expense coverage – Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, prosthetic devices, EMT expenses, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage