Compare 2001 Ford Expedition Insurance Rates

Want better auto insurance rates? Drivers have lots of choices when trying to find low-cost Ford Expedition insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to find the lowest rates. There is a right way and a wrong way to buy auto insurance and you need to know the best way to get price quotes for your Ford and locate the lowest possible price.

You should take the time to check auto insurance prices on a regular basis since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price for Expedition coverage a couple years back you will most likely find a better rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the best way to buy cheaper auto insurance.

How to shop car insurance online

There are several ways to compare car insurance prices and some are more efficient than others. You could waste time talking about coverages with agents in your area, or you could save time and use the web to get prices fast.

All the larger companies belong to a marketplace that enables customers to enter their coverage request one time, and each participating company returns a competitive quote determined by their information. This eliminates the need for form submissions to each individual car insurance company.

To participate in this free quote system, click here to open in new window.

The one disadvantage to getting quotes like this is you are unable to specify which carriers to get quotes from. If you would rather choose specific insurance companies to compare, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

However you get your quotes, be sure you’re using the exact same coverage limits on every price quote you get. If the quotes have different values for each quote you will not be able to determine the best price for your Ford Expedition.

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Discount insurance coverage quotes

Auto insurance companies don’t always publicize every discount in an easy-to-find place, so the list below details some of the best known as well as some of the hidden discounts you could be receiving when you buy car insurance online. If they aren’t giving you every credit you deserve, you are paying more than you should be.

• Student Discounts – This discount could provide a savings of up to 20% or more. The discount lasts up to age 25.
• Drive Safe and Save – Accident-free drivers may receive a discount up to 45% for Expedition coverage than drivers with accidents.
• Low Mileage Discounts – Fewer annual miles on your Ford could qualify for slightly better rates than normal.
• More Vehicles More Savings – Insuring all your vehicles with the same company may reduce the rate for each vehicle.
• Bundled Policy Discount – If you can combine your auto and home policy with one insurance company you may earn approximately 10% to 15%.
• Club Memberships – Being in specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
• Paperwork-free – Many insurance companies will give you a small discount just for signing your application online.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, you aren’t that lucky. Any qualifying discounts should definitely cut your insurance coverage premiums.

Car insurance companies who might offer these discounts possibly include:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

When getting free car insurance quotes, it’s a good idea to all the companies which discounts they offer. Discounts might not apply in your state.

How insurers determine Ford Expedition insurance prices

When buying car insurance it’s important to understand a few of the rating criteria that help determine car insurance rates. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that can help you get lower premium levels. Many different elements are used in the calculation when you get a price on insurance. Some factors are common sense like your driving record, although others are more obscure like your vehicle usage or how financially stable you are.

• City dwellers may pay more – Having an address in areas with lower population can be a good thing when insuring your vehicles. Drivers who live in large cities regularly have more road rage incidents and higher rates of accident claims. Fewer drivers and short commutes means reduced accidents.
• Gender and auto insurance – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women get in auto accidents at about the same rate, but the males cause more damage. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI). Males from age 16 to 21 are most likely to cause an accident and are penalized with high car insurance rates.
• Do you save by driving less? – The higher the miles on your Ford each year the more it will cost to insure it. A lot of companies charge rates determined by how the vehicle is used. Vehicles used primarily for pleasure use receive better premium rates than cars that get driven a lot. Having the wrong rating on your Expedition is just wasting money. Make sure your car insurance policy correctly shows the correct driver usage, because it can save money.
• Theft deterrents lower rates – Owning a car with a theft deterrent system can help lower your premiums. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
• Liability protection is cheap – Liability coverage provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should carry high limits.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help highlight whether you could use an agent’s help.

• How much can I save by bundling my policies?
• Should I buy additional glass protection?
• Can I afford low physical damage deductibles?
• Am I covered when using my vehicle for business?
• What is high-risk coverage and where do I buy it?
• When do I need to add a new car to my policy?
• Will my insurance pay for OEM parts?
• Do I have coverage when making deliveries for my home business?
• What is medical payments coverage?
• Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Learn about insurance coverages for a 2001 Ford Expedition

Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, a broken windshield, fire damage, damage from a tornado or hurricane and falling objects. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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. So UM/UIM coverage should not be overlooked.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as medical expenses, structural damage, legal defense fees and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for bills for doctor visits, funeral costs, surgery, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This covers damage to your Expedition resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Have the Midas touch

Insureds leave their current company for any number of reasons including denial of a claim, policy non-renewal, poor customer service or delays in responding to claim requests. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cost effective 2001 Ford Expedition insurance can be found on the web and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies do not provide rates over the internet and most of the time these smaller companies sell through independent insurance agents.

When buying insurance coverage, you should never skimp on coverage in order to save money. There are too many instances where drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

To learn more, take a look at the articles below:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)

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