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Ford Excursion Insurance Rates

Finding cheaper auto insurance through online companies is easy, plus you might just save a little. The key is to compare as many rate quotes as possible in order to have the cheapest rate quotes.

Consumers who are new to the process of buying insurance may think buying cheap Excursion insurance is difficult. Finding lower Excursion insurance cost is not a difficult process. You just have to spend a little time to get quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

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Auto insurance rates for a Ford Excursion will vary greatly based upon several criteria. Including but not limited to:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your Excursion
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Home ownership saves money

A final factor which can affect Excursion insurance rates is the model year. Newer models have a higher actual cash value in comparison to later models so repair costs are higher which will push premiums up. Although more recent Ford vehicles may have a trim level with safety features included like adaptive cruise control, pedestrian detection, and lane departure warning system so those may lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Coverage for liability - Liability insurance will cover damage or injury you incur to other people or property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - This will pay to fix damage to your Ford caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Excursion collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper Excursion insurance rates.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your Ford Excursion comprehensive insurance. The maximum amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are Ford Excursion Insurance Rates?