How Much Does 2014 Ford Expedition Insurance Cost?

Trying to find the cheapest insurance coverage rates for your Ford Expedition? Searching for the cheapest insurance for your Ford Expedition can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier.

There are more efficient ways to compare insurance coverage rates so we’re going to tell you the proper way to price shop coverage for your Ford and find the lowest price from both online companies and local agents.

You should take the time to get comparison quotes on a regular basis because insurance coverage prices fluctuate regularly. Even if you think you had the best deal on Expedition coverage six months ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because we’re going to show you how to quote online to find lower rates on insurance coverage.

If you have a policy now or need new coverage, you can use this information to reduce the price you pay while maintaining coverages. Buying cheaper protection is easy if you know what you’re doing. Consumers only need to know the most effective way to shop for insurance on the web.

Insurance companies offer many discounts

Some companies don’t always publicize all their discounts in an easy-to-find place, so we break down some of the best known and the more hidden discounts you could be receiving when you buy insurance online.

• Own a Home – Just being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
• Responsible Drivers – Insureds who avoid accidents can save as much as half off their rates on Expedition coverage compared to rates paid by drivers with frequent claims.
• Passive Restraints and Air Bags – Options like air bags may qualify for discounts up to 30%.
• Government Employees – Simply working for the federal government could provide a small rate reduction on Expedition coverage with some insurance companies.
• Low Miles Discount – Fewer annual miles on your Ford could qualify for slightly better rates than normal.
• Save with More Vehicles Insured – Buying coverage for multiple cars with the same insurance company can reduce the rates for all insured vehicles.
• Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.

Don’t be shocked that many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, it doesn’t quite work that way.

A list of companies and a partial list of their discounts can be read below.

• Progressive policyholders can earn discounts including multi-vehicle, multi-policy, continuous coverage, good student, homeowner, and online signing.
• AAA discounts include multi-car, AAA membership discount, education and occupation, pay-in-full, and anti-theft.
• Farmers Insurance has savings for alternative fuel, pay in full, early shopping, distant student, business and professional, bundle discounts, and teen driver.
• Geico may offer discounts for seat belt use, federal employee, military active duty, multi-policy, daytime running lights, membership and employees, and defensive driver.
• Esurance offers discounts including good driver, paid-in-full, online shopper, claim free, and multi-policy.
• SAFECO includes discounts for bundle discounts, accident prevention training, drive less, anti-lock brakes, anti-theft, homeowner, and safe driver.
• State Farm has discounts for Steer Clear safe driver discount, passive restraint, driver’s education, good driver, anti-theft, good student, and student away at school.

Before buying, ask every prospective company which discounts they offer. Some discounts may not apply in your area.

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What affects Ford Expedition insurance rates?

Multiple criteria are part of the calculation when you quote your car insurance policy. Some are obvious such as your driving record, but other factors are not as apparent like where you live or your vehicle rating.An important part of buying insurance is that you know some of the elements that go into determining your insurance coverage rates. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you much lower annual insurance costs.

• How’s your driving record? – Having a clean driving record can have a huge impact on auto insurance premiums. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Just one chargable violation could increase your next policy renewal by twenty percent. Drivers who have multiple citations such as reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent their license from being revoked.
• Be proud to be claim-free – Car insurance companies generally give the lowest premiums to drivers who do not file claims often. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Insurance coverage is designed for larger claims.
• Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and better occupant protection means less claims paid and thus lower rates.
• Having a spouse equates to better premiums – Your spouse can get you a discount when shopping for insurance coverage. It may mean you are more financially stable it has been statistically shown that married drivers get in fewer accidents.
• Gender and auto insurance rates – Over the last 30 years, statistics show females are less aggressive when driving. However, this does not mean men are worse drivers. Both genders are in accidents at a similar rate, but the males get into accidents with more damage. Not only that, but men also get more serious tickets like driving under the influence (DUI).
• Only buy extra policy coverages you need – There are a ton of extra add-on coverages that you can get tricked into buying on your insurance coverage policy. Coverages for rental car reimbursement, death and dismemberment, and Farm Bureau memberships may be costing you every month. They may seem like a good idea initially, but now you might not need them so remove them and pocket the money.
• Low stress vocation equals lower prices – Careers like lawyers, business owners and emergency personnel have higher premiums than the average policyholder because of intense work requirements and incredibly demanding work hours. On the flip side, careers such as professors, historians and the unemployed have the lowest average rates on Expedition coverage.
• Bundle policies and save – Most insurance coverage companies afford better rates to people that have more than one policy, otherwise known as a multi-policy discount. Discounts can be as much as ten percent or more Even if you qualify for this discount already, it’s in your best interest to compare other company rates to help ensure you have the lowest rates.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions might point out whether or not you would benefit from an agent’s advice.

• Which companies will insure high-risk drivers?
• Do I have any recourse if my insurance company denies a claim?
• I don’t drive much so do I pay less?
• Do I need more liability coverage?
• Am I covered if I break a side mirror?
• Are my friends covered when driving my 2014 Ford Expedition?
• When do I need to add a new car to my policy?
• Why am I required to get a high-risk car insurance policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Are you falling for claims of savings?

Consumers can’t get away from ads that claim the cheapest car insurance rates by Allstate, Geico and Progressive. All the companies have a common claim that people will save if you just switch your insurance coverage policy to them.

How can each company sell you cheaper insurance coverage? This is the trick they use.

Many companies have specific characteristics for the type of customer that will most likely be profitable. An example of this type of driver might be described as over age 30, has a clear driving record, and drives newer vehicles. A customer getting a price quote who matches those parameters may get the lowest car insurance rates and therefore will cut their rates if they switch.

People who may not quite match these stringent criteria will probably be forced to pay more expensive rates which usually ends up with business going elsewhere. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can lure you into getting a quote.

Different companies use different criteria so you really should do a quote comparison often. Because you never know which insurance companies will give you lower car insurance rates than your current company.

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What insurance coverages do you need?

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for collisions

This will pay to fix damage to your Expedition resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, fire damage, damage from a tornado or hurricane, hitting a deer and hail damage. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses like X-ray expenses, ambulance fees, nursing services, dental work and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not 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 translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees, medical services and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Take this to the bank

Budget-conscious 2014 Ford Expedition insurance is possible on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and many times these smaller providers only sell through local independent agencies.

Consumers switch companies for many reasons like high prices, poor customer service, extreme rates for teen drivers or unfair underwriting practices. Regardless of your reason, choosing a new insurance company can be pretty painless.

When searching for inexpensive insurance quotes, make sure you don’t buy less coverage just to save a little money. Too many times, an accident victim reduced liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

For more information, take a look at the resources below:

• Collision Coverage (Liberty Mutual)
• Get the Right Protection (InsureUonline.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Should I Buy a New or Used Car? (Allstate)

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