Lower Your 1999 Ford Expedition Insurance Cost

Looking for lower insurance coverage rates for your Ford Expedition? Think you have an underperforming, overpriced insurance coverage policy? It’s a common feeling and there are many people just like you. Many insurers vie for your business, so it can be very hard to choose a company and uncover the absolute best rate

Compare car insurance rates

Finding cheap car insurance rates is a fairly straight forward process. Just invest a few minutes comparing price quotes provided by online insurance companies. Shoppers can get rates using one of these methods.

• One of the fastest ways to get quotes is to use a rate comparison form click to view form in new window. This quick form prevents you from having to do separate quote forms for each company you want a rate for. Just one form will return price quotes direct from many companies.
• A more time consuming way to find lower rates is spending the time to visit the website for every company you want to comare and repeat the quote process again and again. For example, let’s say you want to get rates from Allstate, Liberty Mutual and Progressive. To do that, you would have to go to every website and enter your information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
• The last method to price shop rates is making phone calls or going to all the different insurance agencies. The ability to get quotes online has reduced the need for local agents unless you want the trained advice that you can only get from talking to an agent. If you prefer, some companies allow you to get the lowest quotes online and still use a local agent.

Take whichever approach you prefer, but make darn sure you compare equivalent coverage data for every quote you compare. If your comparisons have higher or lower deductibles it will be next to impossible to truly determine the lowest rate.

Do I need special coverages?

When buying coverage, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you may require specific advice.

• Is there coverage for injuries to my pets?
• Do I get a pro-rated refund if I cancel my policy early?
• Are all vehicle passengers covered by medical payments coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Does my medical payments coverage pay my health insurance deductible?
• Does my 1999 Ford Expedition qualify for pleasure use?
• Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Insurance policy specifics

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, vandalism, hitting a bird, fire damage and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage can cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover 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. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, repair costs for stationary objects, attorney fees, structural damage and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance covers damage to your Expedition caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, hitting a parking meter, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as prosthetic devices, surgery and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay