2001 Ford Excursion Car Insurance Cost – 7 Policy Discounts

Looking for the cheapest auto insurance rates? Shoppers have a choice when shopping for affordable Ford Excursion insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to find the lowest rates. There are more efficient ways to buy auto insurance and we’ll show you the best way to price shop coverage for your Ford and find the lowest price from both online companies and local agents.

Consumers need to check auto insurance prices at least once a year because rates are adjusted regularly by insurance companies. Even if you think you had the best price for Excursion coverage two years ago other companies may now be cheaper. You can find a lot of wrong information about auto insurance online but I’m going to show you some solid techniques on how to buy auto insurance cheaper.

If you are insured now or are looking for a new policy, you can use this information to find the best rates while maintaining coverages. The purpose of this article is to help you learn how car insurance quotes work and some tricks to saving. Drivers only need an understanding of the most efficient way to compare prices online.

Discounts mean cheaper 2001 Ford Excursion insurance rates

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so the following is a list of some of the best known as well as the least known insurance coverage savings. If you aren’t receiving every discount you deserve, you are throwing money away.

Accident Forgiveness – A few companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
Passive Restraint Discount – Factory air bags or automatic seat belts can get savings up to 30%.
Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Multiple Cars – Buying coverage for all your vehicles on the same insurance coverage policy can get a discount on all vehicles.
Senior Citizens – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Excursion coverage.
Memberships – Participating in a professional or civic organization is a good way to get lower rates when buying insurance coverage for Excursion coverage.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

Insurance companies that may have these discounts may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. Discounts may not apply in your area.

Compare Quotes for Car Insurance

Most major insurance companies provide coverage price quotes online. The process is quite easy as you simply enter your coverage preferences as requested by the quote form. Behind the scenes, the company’s rating system makes automated requests for your credit score and driving record and quotes a price.

Online quotes streamlines rate comparisons, but the time it takes to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it’s very important to do this if you are searching for lower prices.

A quicker way to locate the lowest prices uses one form that obtains quotes from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes online quotes a lot less work. After sending your information, it is quoted and you are able to buy your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to use this form to compare rates, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you input coverages and limits as shown on your current policy. Doing this guarantees you will have an apples-to-apples comparison using the same coverage and limits.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

Does my car insurance cover rental cars?
Are rock chip repairs covered?
Am I covered by my spouse’s policy after a separation?
Can I get a multi-policy discount?
What if I owe more than I can insure my car for?
Is a new car covered when I drive it off the dealer lot?
Should I buy more coverage than the required minimum liability coverage?
Does my policy pay for OEM or aftermarket parts?
How can I find cheaper teen driver insurance?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Auto insurance coverages and their meanings

Understanding the coverages of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability coverage – Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like structural damage, repair costs for stationary objects, repair bills for other people’s vehicles, loss of income and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2001 Ford Excursion.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills like nursing services, EMT expenses, prosthetic devices, ambulance fees and X-ray expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover 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 and may carry a deductible

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, hail damage, damage from flooding and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Be a penny pincher

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented a lot of techniques to reduce 2001 Ford Excursion insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a small mutual company.

Budget-conscious insurance is possible from both online companies in addition to many insurance agents, so compare prices from both to have the best selection. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.