View 2014 Ford Expedition Insurance Rates

Locating the lowest cost insurance can appear to be somewhat intimidating for online price comparisons. With such a large choice of online companies available, how can anyone possibly compare them all to find the best price?

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Buying the best protection is not that difficult. Nevertheless, car owners must learn the methods companies use to market insurance on the web because it can help you find the best coverage.

How to get free insurance quotes online

The majority of larger companies provide insurance quotes on their websites. Getting prices online is quite easy because you just enter your required coverages into the form. Behind the scenes, the quote system will obtain your credit score and driving record and generates pricing information based on the information you submitted.

Quoting online makes comparing rates easy, but the work required to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it is imperative to get many rate quotes if you are searching for better insurance pricing.

There is an easier way!

An easier way to get multiple rate quotes uses just one form that gets prices from many companies. This type of form saves time, eliminates form submissions, and makes online shopping much more efficient. As soon as you send your information, it is quoted and you are able to buy any of the price quotes you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It can be completed in less than 10 minutes and may save quite a bit of money.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter identical to your current policy. This guarantees you’re receiving a price comparison based on the exact same insurance coverage.

Start a Quote Now

Get cheaper insurance coverage quotes with discounts

Some providers do not list their entire list of discounts very well, so the list below details a few of the more well known as well as the least known discounts that you can inquire about if you buy insurance coverage online.

Professional Memberships – Participating in qualifying employment or professional organizations could trigger savings on your next renewal.
Own a Home and Save – Owning a home may trigger a policy discount on insurance coverage since owning and maintaining a home is proof of financial responsibility.
Discounts for Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less on Expedition insurance than their less cautious counterparts.
Safety Restraint Discount – Requiring all passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
Discount for Life Insurance – Some insurance companies give a break if you buy a life insurance policy as well.
Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
Pay Upfront and Save – By making one initial payment as opposed to paying monthly you could save 5% or more.

Please keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount will positively reduce the premium cost.

A partial list of companies who may offer many of the previously listed discounts include:

If you are trying to find cheaper insurance coverage quotes, ask each company or agent which discounts you qualify for. Some discounts listed above might not be offered on policies in your state.

How your Expedition insurance premiums are determined

When buying insurance coverage it’s important to understand some of the things that are used to determine your insurance coverage rates. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower insurance coverage prices.

Optional features that lower premiums – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart vehicle theft.
Bad credit will cost you – Your credit score is a large factor in determining your rates. Drivers who have good credit tend to be more responsible and file fewer claims than drivers who have worse credit. So if your credit is not that good, you could potentially save money when insuring your 2014 Ford Expedition by taking the time to improve your credit score.
Low physical damage deductibles cost more – Insurance for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Ford. A few examples of covered claims could be a broken side mirror, hitting a deer, and damage from a fallen tree branch. The deductibles you choose state the amount of money you are required to spend out-of-pocket if the claim is covered. The more damage repair cost the insured has to pay upfront, the bigger discount you will receive on Expedition insurance.
Do you have enough liability coverage? – Liability insurance will provide protection if ever you are found to be at fault for causing damage or personal injury in an accident. This coverage provides you with a defense in court to defend your case. This coverage is relatively inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

Will I be non-renewed for getting a DUI or other conviction?
Is my teenager covered with friends in the car?
Do I need special endorsements for business use of my vehicle?
Am I covered if I drive in a foreign country?
If my 2014 Ford Expedition is totaled, can I afford another vehicle?
Are my friends covered when driving my 2014 Ford Expedition?
Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Ford Expedition.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, scraping a guard rail, hitting a mailbox, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability – Liability coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from 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. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, repair costs for stationary objects, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects, damage from getting keyed, rock chips in glass and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage pay for short-term medical expenses for things like surgery, pain medications, X-ray expenses, ambulance fees and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

More effort can pay off

Cheap 2014 Ford Expedition insurance is possible both online in addition to local insurance agencies, so you need to shop insurance coverage with both in order to have the best chance of saving money. There are still a few companies who don’t offer online rate quotes and usually these regional insurance providers only sell through independent agents.

You just learned some good ideas how you can save on 2014 Ford Expedition insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best car insurance rates are with an unexpected company.

Consumers leave their current company for a number of reasons such as policy cancellation, questionable increases in premium, poor customer service and extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Additional insurance information can be found at the links below