Save on 2004 Ford Excursion Insurance Quotes

Trying to find lower insurance rates for your Ford Excursion? Have you fallen victim to high-priced insurance? Believe me, many consumers feel financially strained by their insurance policy. People have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a selection, it makes it harder to compare rates and cut insurance costs.

It’s important to shop coverage around every six months because insurance prices are usually higher with each renewal. Just because you had the best deal for Excursion insurance six months ago other companies may now be cheaper. There is lot of inaccurate information about insurance out there, but in just a couple of minutes you can learn some of the best techniques to reduce your insurance bill.

Pricing affordable auto insurance coverage is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Vehicle owners only need to know the best way to shop for auto insurance over the internet.

Insurance policy discounts

Some insurance providers don’t always list all possible discounts in an easy-to-find place, so we researched a few of the more well known as well as the least known insurance savings.

  • Telematics Discount – Drivers who elect to allow driving data collection to analyze where and when they drive by installing a telematics device such as Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • No Accidents – Drivers who don’t have accidents pay much less as opposed to frequent claim filers.
  • Discount for Life Insurance – Some insurance carriers give better insurancerates if you take out some life insurance in addition to your auto policy.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. It can save you around 10%.
  • Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off for Excursion insurance depending on your insurance provider.
  • Organization Discounts – Affiliation with qualifying clubs or civic groups is a good way to get lower rates when getting a car insurance quote.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums for Excursion insurance.
  • ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

Larger insurance companies and their possible discounts include:

  • Progressive policyholders can earn discounts including homeowner, online signing, good student, continuous coverage, and multi-policy.
  • MetLife may include discounts for claim-free, accident-free, multi-policy, good driver, good student, and defensive driver.
  • Mercury Insurance offers discounts for good student, professional/association, accident-free, ease of repair, and age of vehicle.
  • Nationwide may have discounts that include business or organization, family plan, Farm Bureau membership, accident-free, and anti-theft.
  • GEICO has savings for air bags, military active duty, good student, emergency military deployment, daytime running lights, and anti-lock brakes.
  • AAA has discounts for education and occupation, pay-in-full, AAA membership discount, multi-policy, good student, good driver, and multi-car.

It’s a good idea to ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not be offered everywhere. To see a list of insurance companies with significant discounts, click here.

Compare auto insurance quotes online

Performing a rate comparison can be a daunting task if you aren’t aware of the most efficient way to do it. You can waste a lot of time talking to insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most major companies enroll in a system that allows shoppers to send in one quote, and each participating company then returns a price quote determined by their information. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To access this free quoting program, click to open in new window.

The only downside to comparing rates this way is that you can’t choose which providers you want pricing from. So if you want to select specific providers to compare rates, we have a page of companies who write auto insurance in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you compare identical coverage limits and deductibles for each quote you get. If you are comparing different liability limits then you won’t be able to find the best deal for your Ford Excursion.

You can change your insurance premiums

The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that may result in big savings.

  • Premiums and your address – Residing in a small town can save you money when trying to find low car insurance rates. Drivers in populated areas have more aggressive driving styles and much longer commute distances. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • Lower premiums for safer cars – Vehicles with high crash test scores can get you lower premiums. The safest vehicles result in less severe injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If your Ford Excursion has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
  • An active policy claims history can increase rates – Insurance companies give the best rates to policyholders who do not file claims often. If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
  • Always have auto insurance – Driving without insurance is not a good idea and any future policy may cost more because you let your coverage have a gap. In addition to paying higher premiums, the inability to provide proof of insurance can result in a steep fine or even jail time.
  • Guys pay higher prices – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Males and females have at-fault accidents at a similar rate, but the males get into accidents with more damage. Men also statistically get ticketed for serious violations like DUI and reckless driving. Young males are most likely to cause an accident so it costs more to insure them.
  • Get hitched and get cheaper premiums – Being married may earn you lower rates compared to being single. Having a significant other translates into being more mature and statistics show married drivers tend to file fewer claims.
  • Incidental coverages that aren’t used – There are quite a few optional add-on coverages that can add up but may not be useful. Things like replacement cost coverage, high-cost glass coverage, and extra equipment coverage are examples of these. They may seem good when you first buy your policy, but if you’ve never needed them in the past get rid of them and save.
  • Bad drivers pay high prices – Your driving record impacts premiums far more than you think. Getting just one driving citation can boost insurance rates by as much as thirty percent. Drivers who don’t get tickets get better rates compared to bad drivers. Drivers unfortunate enough to have license-revoking violations such as DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 2004 Ford Excursion?
  • What is no-fault insurance?
  • Is my camper covered by my car insurance policy?
  • Is my teen driver covered when they drive my company car?
  • Are rock chip repairs covered?
  • Is my teenager covered with friends in the car?
  • What happens if I owe more than my 2004 Ford Excursion is worth?
  • Should I waive the damage coverage when renting a car?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, rock chips in glass and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. 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 a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as funeral expenses, medical services, emergency aid, legal defense fees and bail bonds. How much coverage you buy is your choice, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like prosthetic devices, chiropractic care and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Never pay more for less

As you quote car insurance, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

Cheaper insurance coverage can be bought both online as well as from independent agents, so you need to shop car insurance with both in order to have the best price selection to choose from. A few companies don’t offer the ability to get a quote online and most of the time these small, regional companies prefer to sell through independent agencies.

Additional detailed information is located by following these links: