2004 Ford Excursion Car Insurance Quotes

Looking for better car insurance rates? Shoppers have a choice when shopping for low-cost Ford Excursion insurance. They can either waste time struggling with agents to compare prices or use the internet to compare rates.

There are more efficient ways to buy car insurance and we’ll show you the best way to get price quotes on a Ford and find the best price possible from both online companies and local agents.

Save with discounts on Ford Excursion insurance

Insuring your vehicles can cost a lot, but companies offer discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but some must be manually applied before being credited. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Life Insurance Discount – Some companies give a break if you buy auto and life insurance together.
  • No Charge for an Accident – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for Excursion insurance than drivers with accidents.

It’s important to understand that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, insurance coverage companies aren’t that generous. But any discount will bring down the cost of coverage.

Companies that possibly offer these benefits include:

Check with all companies you are considering what discounts are available to you. Discounts may not be available in every state.

Vehicle Insurance Comparison

Finding cheaper 2004 Ford Excursion insurance coverage prices can be quick and easy. You just have to spend a few minutes to get quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  1. The best way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating separate quote forms for each company you want a rate for. In just a few minutes this one form compares rates from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A less efficient way to analyze rates requires a visit to each company website and request a quote. For instance, let’s say you want to compare Geico, Esurance and State Farm. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits and deductibles with each company. If you have different limits and deductibles on each one it will be next to impossible to decipher which rate is best.

Parts of the Ford Excursion rate equation

It’s important that you understand the different types of things that come into play when calculating the price you pay for insurance coverage. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to better insurance coverage rates.

The list below includes some of the items insurance coverage companies consider when setting prices.

  • Rural vs Urban Areas – Being located in less populated areas can save you money when insuring your vehicles. Lower population means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have traffic congestion and longer commutes to work. Higher commute times means more change of being in an accident.
  • Protect your assets with liability insurance – The liability section of your policy will protect you when you are found liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Discounts for multiple policies – Some companies will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare other company rates to ensure the best deal.
  • Extra add-on coverages are wasting money – There are a lot of extra coverages that you can buy on your Excursion policy. Insurance for personal injury protection, towing coverage and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Lower miles equals lower premium – The higher the mileage driven in a year’s time the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Cars not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Excursion may be costing you. Ask your agent if your insurance coverage declarations sheet is rated on the correct usage for each vehicle.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and accountants tend to pay higher rates than average because of job stress and lots of time spent at work. On the flip side, professions such as scientists, athletes and homemakers have the lowest average rates for Excursion insurance.
  • Cautious drivers pay less – Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. If you have severe violations such as DUI or reckless driving may find they need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Never let your coverage lapse – Having an insurance coverage lapse will be a fast way to bump up your insurance coverage costs. And not only will insurance be more expensive, failure to provide proof of insurance will get you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different.

For example, these questions could help you determine whether your personal situation will benefit from professional help.

  • Am I missing any policy discounts?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving a rental car?
  • How does medical payments coverage work?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Buyer beware of auto insurance advertising tricks

Consumers constantly see and hear ads for car insurance savings from the likes of Allstate and Progressive. All the companies make an identical promise that you can save if you change your coverage to them.

But how can every company claim to save you money? It’s all in the numbers.

All the different companies have a preferred profile for the driver they prefer to insure. For example, a preferred risk might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. A propective insured who meets those qualifications will get the preferred rates and as a result will probably save a lot of money.

Potential insureds who don’t meet the requirements will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully state the savings.

This emphasizes why you should get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings on Ford Excursion insurance.

Insurance coverages 101

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, a broken windshield and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2004 Ford Excursion.

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 is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like rehabilitation expenses, chiropractic care, pain medications, nursing services and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair bills for other people’s vehicles, attorney fees, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, crashing into a building, rolling your car, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Saving money makes a lot of cents

Budget-conscious 2004 Ford Excursion insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

While you’re price shopping online, do not buy less coverage just to save a little money. Too many times, someone sacrificed liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Throughout this article, we presented a lot of information how to get a better price on insurance. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with an unexpected company.

To learn more, feel free to browse the resources below: