View 2000 Ford Excursion Insurance Rates

Want lower car insurance rates for your Ford Excursion? Confused by the sheer number of car insurance choices? You’re not the only one! There are so many companies to choose from that it can be a challenge to compare prices.

Pricing the lowest cost car insurance is quite easy. Basically, anyone who is required by state law to have car insurance will most likely be able to cut their insurance bill. But vehicle owners can benefit by having an understanding of how the larger insurance companies market on the web because it can help you find the best coverage.

Why your Ford Excursion insurance rates may be high

Consumers need to have an understanding of the rating factors that help determine insurance rates. Knowing what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • How your age affects price – Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Youthful drivers are known to get distracted easily in a vehicle therefore insurance rates are much higher.
  • Where you reside plays a part – Being located in a rural area has it’s advantages when talking about insurance. Fewer people translates into fewer accidents and a lower car theft rate. Drivers who live in large cities have congested traffic and much longer commute distances. More time commuting means more change of being in an accident.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Ford Excursion earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Liability coverage protects you – The liability section of your policy provides coverage in the event that you are found liable for damages caused by your negligence. Liability insurance provides for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Marriage pays dividends – Having a wife or husband actually saves money on your policy. Having a spouse usually means you are more mature and statistics show drivers who are married are more cautious.
  • More claims means more premium – Insurance companies give better rates to policyholders who do not file claims often. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance is designed for larger claims.

These discounts can slash auto insurance rates

Insuring your vehicles can cost a lot, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you quote, but a few must be requested specifically in order for you to get them.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Sign Online – A handful of insurance companies will give a small break for buying your policy over the internet.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Excursion insurance than less cautious drivers.
  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums for Excursion insurance.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Use Seat Belts – Requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Excursion insurance with a few auto insurance companies.
  • Homeowners Savings – Owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Resident Student – Children living away from home attending college without a vehicle on campus can receive lower rates.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will bring down the cost of coverage.

For a list of insurers offering auto insurance discounts, follow this link.

When might I need the advice of an agent?

When choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help highlight if you might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • What is PIP insurance?
  • Do I really need UM/UIM coverage?
  • Am I covered if my car is in a flood?
  • I don’t drive much so do I pay less?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I afford low physical damage deductibles?
  • What is no-fault insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Insurance coverages 101

Understanding the coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, vandalism, theft and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your Excursion resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, crashing into a building, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as dental work, hospital visits and chiropractic care. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability car insurance

This provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, emergency aid, pain and suffering and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2000 Ford Excursion.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Affordable insurance is out there

Consumers leave their current company for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, policy cancellation and extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

Cheaper 2000 Ford Excursion insurance is definitely available online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We covered some good ideas how you can shop for insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with the least-expected company.

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