2014 Ford Expedition Car Insurance Quotes

Looking for cheaper auto insurance rates for your Ford Expedition? Buying car insurance is not really something drivers fancy doing, but your state requires it when you drive.

How to Get Car Insurance Comparison Quotes

When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. By far the easiest way to find the cheapest 2014 Ford Expedition insurance rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

  • One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This type of form keeps you from doing a different quote for each company you want a rate for. One simple form will return price quotes instantly. This is by far the quickest method.
  • Another way to compare prices requires visiting each individual company website to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from Nationwide, 21st Century and State Farm. To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The least recommended way of getting rate comparisons is driving to insurance agents’ offices. Shopping for car insurance online eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed agents. However, consumers can find lower rates online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverages and limits for each price quote. If you are comparing mixed coverages you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages can result in a big premium difference. It’s important to know that comparing a large number of companies provides better odds of finding the best offered rates.

Save with discounts on Ford Expedition insurance

Car insurance companies do not advertise every available discount very well, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving.

  • Clubs and Organizations – Belonging to a professional or civic organization may earn a discount when shopping for insurance for Expedition coverage.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • E-sign – Some insurance companies may give you up to $50 simply for signing digitally online.
  • Accident Waiver – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.

Keep in mind that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like you could get a free insurance policy, it just doesn’t work that way.

For a list of providers who offer insurance discounts, click here.

Why you might be paying too much to insure your Ford Expedition

Consumers need to have an understanding of some of the elements that go into determining the price you pay for car insurance. Understanding what determines base rates enables informed choices that may reward you with lower car insurance prices.

Listed below are some of the items car insurance companies consider when setting rates.

  • Your job and insurance rates – Did you know your car insurance rates can be affected by your occupation? Occupations like real estate brokers, executives and accountants have higher rates than average due to stressful work requirements and long work hours. On the flip side, jobs such as pilots, athletes and homemakers get better rates for Expedition coverage.
  • Males pay more for insurance – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Where you live – Residing in a small town has it’s advantages when it comes to car insurance. Less people living in that area means a lower chance of having an accident. City drivers have to deal with congested traffic and a longer drive to work. More time on the road means more change of being in an accident.
  • Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Ford. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and burglary. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for Expedition coverage.
  • Marriage pays dividends – Having a spouse helps lower the price when buying car insurance. Having a significant other translates into being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Don’t buy coverages you don’t need – There are quite a few extra coverages that you can get tricked into buying on your car insurance policy. Coverages for vanishing deductibles, accidental death and membership fees are examples of these. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Small claims can cost you – Auto insurance companies generally give lower rates to people who do not file claims often. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.

Tailor your coverage to you

When choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Who is covered when they drive my 2014 Ford Expedition?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need special endorsements for business use of my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • How can I force my company to pay a claim?
  • If my pet gets injured in an accident are they covered?
  • Where can I get insurance after a DUI in my state?
  • Will my insurance pay for OEM parts?
  • If my 2014 Ford Expedition is totaled, can I afford another vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

The fine print in car insurance ads

Car insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make the same claim about savings if you switch your policy. But how can every company make the same claim?

Insurance companies have a certain “appetite” for the right customer that is profitable for them. A good example of a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and has excellent credit. A propective insured that hits that “sweet spot” receives the best rates and most likely will pay quite a bit less when switching companies.

Potential customers who are not a match for the “perfect” profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save that much. This is how insurance companies can confidently advertise the way they do. Because of the profiling, it is so important to quote coverage with many companies. It’s not possible to predict which insurance companies will have the lowest Ford Expedition insurance rates.

Car insurance specifics

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

Collision coverage pays for damage to your Expedition resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as loss of income, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Expedition.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, theft, rock chips in glass, hitting a deer and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, rehabilitation expenses, hospital visits and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Save for a rainy day

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where someone dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Consumers leave their current company for many reasons like denial of a claim, lack of trust in their agent, being labeled a high risk driver and poor customer service. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.

You just learned some good ideas how to reduce 2014 Ford Expedition insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with a company that doesn’t do a lot of advertising.

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