2003 Ford Excursion Insurance Quotes – 6 Tips to Save

There isn’t anyone who likes paying for auto insurance, in particular when they could find lower prices if they just compared rates.

Many insurers compete for your business, so it can be very hard to choose a insurer to discover the definitive best rate

Quote car insurance online

Comparing car insurance rates is a ton of work if you don’t utilize the easiest way. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use the web to achieve your goal.

Many insurance companies belong to an insurance system that allows shoppers to submit their information once, and every company then gives them pricing determined by their information. This saves time by eliminating quote forms to each individual car insurance company.

To find out how much you can save on car insurance click to open in new window.

The one downside to using this type of system is that consumers can’t choose the insurers you want pricing from. If you would rather choose individual companies to compare rates, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just double check that you are using the same coverage data on every quote. If you are comparing different liability limits you can’t possibly determine which company has the best rates. Quoting even small variations in limits could mean much higher rates. Just remember that quoting more increases the change that you will find a better price. Some companies don’t provide online rate quotes, so you should also compare quotes from those companies as well.

When should I discuss my situation with an agent?

When choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might point out if you may require specific advice.

• I have health insurance so do I need medical payments coverage?
• What if I total my 2003 Ford Excursion and owe more than it’s worth?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Are split liability limits better than a combined single limit?
• Will my rates increase for filing one claim?
• Is my custom paint covered by insurance?
• Are rental cars covered under my policy?
• How high should deductibles be on a 2003 Ford Excursion?
• Am I covered if I drive in a foreign country?
• Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Comprehensive car insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, 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 provide coverage for short-term medical expenses for things like dental work, chiropractic care, pain medications, X-ray expenses and doctor visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, backing into a parked car, colliding with a tree, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Excursion.

Because many people 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 important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as funeral expenses, emergency aid and court costs. How much liability coverage do you need? That is up to you, but buy higher limits if possible.