2018 Ford Expedition Car Insurance Rates

Consumers have a choice when looking for low-cost Ford Expedition insurance. You can either waste hours driving around getting price quotes or use the internet to find the lowest rates. There is a right way and a wrong way to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage for your Ford and find the cheapest rates.

It’s a great practice to compare prices as often as possible due to the fact that insurance prices are constantly changing. Even if you think you had the lowest rates on Expedition coverage last year you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to get a crash course in the proper way to find better rates and still maintain coverage.

The fastest way that we advise to get rate comparisons utilizes the fact all the major auto insurance companies provide online access to give rate comparisons. All you need to do is give them rating details including how many miles driven, driver ages, how you use your vehicles, and if the vehicle is leased. That rating data is instantly submitted to insurance carriers in your area and they return rate quotes instantly to find the best rate.

To compare rates for your 2018 Ford Expedition now, click here and enter your coverage details.

Use discounts on auto insurance

Auto insurance is neither fun to buy or cheap, but there may be some discounts that may help make it more affordable. A few discounts will automatically apply at the time of purchase, but a few need to be manually applied before you get the savings.

• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
• Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
• Good Driver Discount – Insureds without accidents can pay as much as 50% less on Expedition coverage than drivers with accidents.
• Good Student Discount – This discount can save 20 to 25%. Most companies allow this discount until age 25.
• Savings for New Vehicles – Buying auto insurance coverage on a new vehicle can cost up to 25% less since new vehicles have better safety ratings.
• Save with More Vehicles Insured – Drivers who insure multiple cars with the same company can get a discount for every vehicle.
• Anti-lock Brakes – Cars that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
• Home Ownership Discount – Simply owning a home can get you a discount because maintaining a house requires personal responsibility.
• Low Mileage – Keeping the miles down on your Ford may allow you to get better rates on cars that stay parked.
• Defensive Driving Course – Passing a safe driver course could cut 5% off your bill if you qualify.

It’s important to note that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, that’s just not realistic.

A partial list of companies that may have some of the discounts shown above include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

If you need the cheapest insurance quotes, ask each company or agent which discounts you qualify for. Depending on the company, some discounts may not apply everywhere.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Is rental equipment covered for theft or damage?
• Does car insurance cover theft of personal property?
• Do I need roadside assistance coverage?
• Do I need rental car coverage?
• Am I covered if hit by an uninsured driver?
• When should I not file a claim?
• Is my 2018 Ford Expedition covered for smoke damage?
• Who is covered when they drive my 2018 Ford Expedition?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Reduce insurance rates with these tips

A large part of saving on auto insurance is knowing some of the things that go into determining auto insurance rates. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in big savings. Many factors are used when you get a price on insurance. Some factors are common sense such as your driving history, but other factors are more obscure such as your credit history or your vehicle rating.

• Experienced drivers pay less – Older people are more cautious drivers, file fewer claims and are safer drivers.Inexperience drivers are statistically shown to be more careless with other occupants in the car and because of this, their auto insurance rates are much higher.
• Low stress employer equals lower premiums – Jobs such as military generalspolice officers and medical professionals generally pay the highest average rates due to intense work-related stress and long work days. Other occupations such as actors, engineers and performers have lower than average premiums on Expedition coverage.
• Lower rates by increasing deductibles – Insurance for physical damage, also called ‘full coverage’, covers your vehicle from damage. Some examples of covered claims could be colliding with a building, damage from fire, and damage from a fallen tree branch. Your deductibles tell how much you are required to pay if a claim is determined to be covered. The higher the amount the insured is willing to pay, the less your auto insurance will be on Expedition coverage.
• Credit rating impacts rates – Your credit score can be a huge factor in determining what you pay. So if your credit could use some work, you could save money insuring your 2018 Ford Expedition by taking the time to improve your credit score. People that have excellent credit scores tend to be more responsible and file fewer claims than those with lower credit scores.

Car insurance policy specifics

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability – This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage, court costs, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision insurance pays for damage to your Expedition caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, driving through your garage door, crashing into a building and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills such as dental work, X-ray expenses, funeral costs and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability 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 have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

A tidy conclusion

People leave their current company for a number of reasons such as not issuing a premium refund, policy cancellation, being labeled a high risk driver and high prices. Regardless of your reason for switching companies, switching insurance coverage companies can be easy and end up saving you some money.

Lower-priced 2018 Ford Expedition insurance is possible both online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not offer rate quotes online and most of the time these regional carriers sell through local independent agents.

When shopping online for insurance coverage, do not buy less coverage just to save a little money. There have been many cases where an insured dropped uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Additional information can be read at these links:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Prom Night Tips for Teen Drivers (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption