2009 Ford Expedition Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Ford Expedition? Are you sick and tired of sacrificing other expenses to make your auto insurance payment? You’re in the same situation as most other drivers.

Having so many companies to choose from, it is very difficult to locate the most cost effective insurance company.

You should take the time to price shop coverage quite often because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on Expedition coverage on your last policy a different company probably has better rate quotes today. There are a lot of ways to save on auto insurance online, but we’re going to give you some good information on how to lower your auto insurance premiums.

Affordable car insurance quotes online

Effectively comparing car insurance prices is a ton of work if you don’t utilize the best way to get rate quotes. You could waste a few hours talking to insurance agencies in your area, or you can utilize the internet to achieve your goal.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit one quote, and every company can give them a price based on that data. This saves time by eliminating quote forms for every car insurance company.

To access this free quoting program, click to open in new window.

The one downside to comparing rates this way is that consumers can’t choose which providers you will receive quotes from. So if you want to select specific providers to compare rates, we have a page of companies who write car insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure you’re using nearly identical coverage limits and deductibles for every company. If the quotes have different liability limits it will be impossible to decipher which rate is best. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that more quotes will increase your chances of finding a better price.

Discount auto insurance rates

Some companies do not advertise their entire list of discounts very clearly, so the following list contains a few of the more common and also the lesser-known credits available to bring down your rates. If you’re not getting every credit you qualify for, you may be paying too high a price.

• Discounts for New Vehicles – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.
• Multi-line Discount – Select companies reward you with a lower premium rate if you buy auto and life insurance together.
• Multiple Vehicles – Purchasing coverage when you have multiple cars with one company can get a discount for every vehicle.
• Sign Online – Some insurance companies may give you up to $50 shop car insurance on their website.
• Accident Free – Good drivers with no accidents can earn big discounts in comparison to frequent claim filers.
• Telematics Data Discounts – People who choose to allow data collection to look at vehicle usage by using a telematics device like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
• Driver Education Discount – Require your teen driver to take driver’s ed class if it’s offered in school.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.

Drivers should understand that most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free auto insurance policy, it’s just not the way it works. Any qualifying discounts will positively reduce your auto insurance premiums.

A list of companies and a partial list of their discounts are included below.

• Geico may include discounts for emergency military deployment, seat belt use, five-year accident-free, membership and employees, and multi-policy.
• MetLife policyholders can earn discounts including accident-free, good student, good driver, defensive driver, multi-policy, and claim-free.
• State Farm may have discounts that include multiple policy, Steer Clear safe driver discount, student away at school, good driver, and accident-free.
• Progressive offers discounts for online quote discount, good student, multi-vehicle, homeowner, and online signing.
• Mercury Insurance offers premium reductions for professional/association, accident-free, multi-car, type of vehicle, and annual mileage.
• 21st Century has savings for good student, student driver, homeowners, defensive driver, air bags, and automatic seat belts.
• Allstate has discounts for resident student, farm vehicle, senior citizen, utility vehicle, early signing, and defensive driver.

Double check with every company how many discounts you can get. Some credits may not apply to policyholders in every state. To view companies that have a full spectrum of discounts, click here.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether you would benefit from an agent’s advice.

• What is the minimum liability in my state?
• Can I rent a car in Mexico?
• What exactly is covered by my policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I insured when driving a different vehicle?
• Does medical payments coverage apply to all occupants?
• Is other people’s property covered if stolen from my vehicle?
• Can my teen drive my company car?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverages 101

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays for damage to your Expedition caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, damaging your car on a curb, sideswiping another vehicle, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability

This protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects, loss of income and medical expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like surgery, chiropractic care, X-ray expenses, hospital visits and dental work. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Expedition.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.