2000 Ford Expedition Car Insurance Cost

Searching for cheaper insurance for a new or used Ford Expedition could be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to buy insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Ford and locate the best price possible from both online companies and local agents.

You should make it a habit to shop coverage around on a regular basis because insurance rates trend upward over time. Just because you found the best deal for Expedition coverage two years ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about insurance because you’re going to learn the only way to reduce your cost while increasing coverage.

If you have a policy now or are looking for a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. Buying affordable insurance coverage is quite easy. Drivers just need to understand the proper methods to shop their coverage around online.

Vehicle Insurance Comparison

Shopping for lower car insurance rates can be a lot of work if you don’t know the easiest way. You could spend your day driving to agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company returns a competitive quote. This system prevents you from having to do form submissions to every company.

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

The only drawback to using this type of form is buyers cannot specifically choose which providers to get pricing from. So if you want to choose specific insurance companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you’re using identical coverage limits and deductibles for each comparison quote. If your comparisons have differing limits it’s not possible to truly determine the lowest rate.

Discounts to lower 2000 Ford Expedition insurance rates

Companies offering auto insurance don’t always advertise every available discount very well, so we break down both well-publicized and the harder-to-find insurance coverage savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Expedition coverage than drivers with accidents.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates for Expedition coverage.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Defensive Driving Course – Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • Claim Free – Claim-free drivers pay much less as compared to bad drivers.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

For a list of companies offering insurance coverage discounts, click this link.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

For instance, these questions can help discover if you might need professional guidance.

  • Do I need replacement cost coverage on my 2000 Ford Expedition?
  • Where can I find DUI or SR-22 insurance?
  • Do I need rental car coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Can my teen drive my company car?
  • Am I missing any policy discounts?
  • Why is insurance for a teen driver so high?
  • What is an SR-22 filing?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Why your Ford Expedition might be costing you more

It’s important that you understand the different types of things that go into determining the price you pay for insurance coverage. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower insurance coverage prices.

  • Extra add-on coverages are wasting money – There are a lot of additional coverages that can waste your money on your Expedition policy. Insurance for roadside assistance, accident forgiveness and term life insurance are examples of these. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Do you have a high stress job? – Occupations such as lawyers, architects and dentists are shown to have the highest average rates due to job stress and long work days. Other occupations such as pilots, historians and retirees pay the least for Expedition coverage.
  • Save money with special equipment – Owning a car with a theft deterrent system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • One company can mean more discounts – Most companies will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
  • Don’t sacrifice liability coverage – Liability coverage is the protection in the event that you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Where you live is a factor – Residing in a small town has it’s advantages when it comes to insurance coverage. Fewer people means reduced accidents and also fewer theft and vandalism claims. City drivers have to deal with congested traffic and longer commute times. More time on the road can result in more accidents.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce injuries and fewer injuries means less money paid by your insurance company and lower rates for you. If your Ford is rated at least four stars on Safercar.gov it is probably cheaper to insure.

Insurance coverage ads bend the truth

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm and Allstate. They all seem to say the same thing about savings after switching your policy.

But how can every company make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that is profitable for them. A good example of a desirable insured could possibly be a mature driver, has no prior claims, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get very good rates and as a result will probably save when switching.

Potential customers who don’t measure up to this ideal profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that kind of money. This is how companies can truthfully advertise the way they do. Because of the profiling, you absolutely need to quote coverage with many companies. It’s not possible to predict the company that will give you the biggest savings on Ford Expedition insurance.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Expedition.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for hospital visits, X-ray expenses and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability – Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, medical expenses, structural damage and pain and suffering. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision insurance will pay to fix damage to your Expedition from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Power to the consumer

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to buy enough coverage at the best price.

People change insurance companies for a variety of reasons including not issuing a premium refund, unfair underwriting practices, questionable increases in premium or even poor customer service. It doesn’t matter what your reason, choosing a new company can be easier than you think.

Cheap 2000 Ford Expedition insurance is definitely available on the web in addition to many insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Additional information