How Much Does 2005 Ford Expedition Car Insurance Cost?

Searching for cheaper auto insurance rates for your Ford Expedition? Nobody I know rejoices having to buy auto insurance, especially knowing they are paying too much.

There is such a variety of car insurance companies to insure vehicles with, and though it is a good thing to have a selection, more choices can make it harder to compare company pricing.

Drivers save money with these discounts

Companies offering auto insurance do not advertise every discount they offer very clearly, so we researched both the well known and also the more inconspicuous savings tricks you should be using when you buy insurance online. If you aren’t receiving every discount you deserve, you could be paying more than you need to.

  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% off the medical payments premium.
  • E-sign – Some of the larger companies will provide an incentive for buying a policy and signing up on the internet.
  • Theft Prevention System – Vehicles that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Accident Waiver – Not really a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will allow you to have one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Active Service Discounts – Being deployed in the military may lower your prices slightly.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount because newer models have to meet stringent safety requirements.
  • Early Switch Discount – Some larger companies provide a discount for renewing your policy prior to your current policy expiration. Ten percent is about the average savings.
  • Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up until you turn 25.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and some of the premium reductions they offer are shown below.

  • American Family offers discounts including mySafetyValet, bundled insurance, Steer into Savings, defensive driver, multi-vehicle, and good student.
  • Nationwide policyholders can earn discounts including family plan, accident-free, good student, anti-theft, business or organization, and Farm Bureau membership.
  • MetLife has savings for claim-free, good driver, multi-policy, defensive driver, and accident-free.
  • 21st Century discounts include defensive driver, early bird, theft prevention, good student, anti-lock brakes, and teen driver.
  • Farmers Insurance may include discounts for bundle discounts, pay in full, early shopping, youthful driver, and distant student.
  • Allstate may have discounts that include safe driver, economy car, FullPay discount, teenSMART discount, defensive driver, and early signing.

Before you buy a policy, ask every company which discounts can lower your rates. Savings might not be offered on policies in your state. If you would like to view providers that can offer you the previously mentioned discounts, click here to view.

The best way to get rate comparisons is to take advantage of the fact most larger insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is provide a small amount of information such as how old drivers are, whether or not you need a SR-22, if the car is leased, and how you use your vehicles. Your rating data is then sent to multiple top-rated companies and they provide comparison quotes almost instantly.

To find lower rates now, click here and enter your zip code.

Special considerations

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • When should I not file a claim?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I missing any policy discounts?
  • When does my teenage driver need to be added to my policy?
  • What companies insure drivers after a DUI or DWI?
  • What should my uninsured motorist coverage limits be in my state?
  • How do I buy GAP insurance?
  • When should I remove comp and collision on my 2005 Ford Expedition?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverages explained

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Liability coverage

This coverage provides protection from damages or injuries you inflict on people or other property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage protection

This coverage covers damage to your Expedition caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle, vandalism, fire damage and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2005 Ford Expedition.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as chiropractic care, hospital visits, rehabilitation expenses and funeral costs. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Make an honest buck

Affordable 2005 Ford Expedition insurance can be found from both online companies and from local insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through local independent agents.

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There have been many situations where an insured cut full coverage and discovered at claim time that they should have had better coverage. Your focus should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

Additional insurance coverage information is available below: