Cheap 2008 Ford Expedition Car Insurance Cost

Trying to find the cheapest insurance for your Ford Expedition can turn out to be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to find insurance online and you need to know the quickest way to price shop coverage on a Ford and find the cheapest rates.

Finding the best rates is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Drivers only need to know the proper methods to compare prices over the internet.

The best way to compare policy rates is to know the fact almost all companies allow for online access to provide you with free rate quotes. To get started, all you need to do is spend a couple of minutes providing details like whether you have decent credit, any included safety features, your education level, and your job. The data is then submitted to multiple top-rated companies and they return quotes almost instantly.

Discounts to earn cheap car insurance rates

Auto insurance companies don’t always publicize every possible discount very well, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

  • More Vehicles More Savings – Having multiple cars on a single policy qualifies for this discount.
  • Club Memberships – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your bill.
  • Theft Deterent System – Cars and trucks with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
  • Sign Online – A handful of larger companies provide a small discount shop insurance coverage on the web.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
  • Early Switch Discount – Some companies provide a discount for switching companies before your current policy expires. You may see this discount when you get insurance coverage quotes online.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Popular car insurance companies and some of their more popular discounts are shown below.

  • 21st Century has savings for teen driver, homeowners, anti-lock brakes, early bird, and 55 and older.
  • State Farm offers discounts including Steer Clear safe driver discount, accident-free, student away at school, good student, passive restraint, and driver’s education.
  • AAA policyholders can earn discounts including AAA membership discount, education and occupation, anti-theft, multi-car, good driver, and good student.
  • Liberty Mutual discounts include new graduate, newly retired, safety features, newly married, and exclusive group savings.
  • Progressive has discounts for continuous coverage, good student, online quote discount, homeowner, multi-policy, multi-vehicle, and online signing.

Before buying, ask every company which discounts they offer. Some discounts listed above may not be available in your state. If you would like to view providers with discount rates, click here to view.

Insurance costs are influenced by these factors

Part of the insurance buying process is learning some of the things that go into determining your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find better insurance rates.

  • Married people drive safer – Being married can actually save you money on insurance. It translates into being more mature and insurance companies reward insureds because married couples file fewer claims.
  • Save money with higher deductibles – The deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are a windshield broken by a bird, damage from fire, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the bigger discount you will receive for Expedition insurance.
  • Insurance premiums and driver gender – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that men are worse drivers. Women and men are responsible for accidents in similar percentages, but the male of the species get into accidents with more damage. Men also get higher numbers of serious violations like driving under the influence (DUI). Young males are most likely to cause an accident and are penalized with high insurance rates.
  • Car and home together may be cheaper – Some insurance companies provide a discount to people who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, drivers will still want to get quotes from other companies to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
  • An active insurance claims history can increase rates – If you are a frequent claim filer, you can look forward to higher rates. Companies give better rates to drivers who file claims infrequently. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Lower rates for vehicles with better crash test results – Vehicles with good safety scores can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and lower injury rates translates directly to fewer claims which can result in lower premiums. If your Ford has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help you determine if your situation could use an agent’s help.

  • Do I have coverage when using my vehicle for my home business?
  • Am I covered if hit by an uninsured driver?
  • What should my uninsured motorist coverage limits be in my state?
  • Why is insurance for a teen driver so high?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Auto insurance 101

Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability – Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like structural damage, legal defense fees, funeral expenses and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

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. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Expedition.

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.

Collision – This will pay to fix damage to your Expedition from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, scraping a guard rail, backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like dental work, X-ray expenses, chiropractic care and doctor visits. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, rock chips in glass, falling objects, a tree branch falling on your vehicle and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

More choices the merrier

Drivers switch companies for any number of reasons including delays in responding to claim requests, delays in paying claims, policy cancellation or even high prices. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

You just learned many tips how you can shop for 2008 Ford Expedition insurance online. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices are with a lesser-known regional company.

Some insurance providers don’t offer rate quotes online and most of the time these small, regional companies prefer to sell through independent insurance agents. Low-cost 2008 Ford Expedition insurance can be sourced from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.

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