2016 Ford Expedition Insurance Cost

Tired of paying out the nose to buy car insurance? You’re in the same situation as many other drivers.

Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the lowest rate

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Finding affordable coverage is easy if you know what you’re doing. Although consumers do need to understand the methods companies use to price online insurance and apply this information to your search.

Finding Insurance Coverage

There are a lot of ways to compare insurance coverage quotes, but some are less time-consuming than others. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can stay home and use the internet to maximize your effort.

Most of the best insurance companies participate in an industry program that enables customers to submit their information once, and at least one company provides a quote based on that information. This system prevents you from having to do quotation requests to each company.

To compare 2016 Ford Expedition rates using this form now click here to open in new window.

One minor caviat to doing it this way is that you can’t choose the insurers to receive prices from. If you prefer to choose from a list of companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

Which method you use is up to you, but make darn sure you compare exactly the same coverage limits and deductibles with each company. If you are comparing mixed coverages you can’t possibly determine which rate is truly the best. Just a small difference in coverage limits may cause a big price difference. And when comparison shopping, quoting more will improve the odds of getting the best price.

The fine print in car insurance ads

State Farm and Allstate regularly use television and radio advertisements. All the companies make the same claim that you’ll save big if you move to their company. How do they all make almost identical claims?

All companies can use profiling for the type of customer they prefer to insure. A good example of a profitable customer could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A propective insured who meets those qualifications will get very good rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t measure up to the “perfect” profile will be quoted more money which leads to the driver buying from a lower-cost company. The ad wording is “people who switch” not “everyone that quotes” save money. This is how insurance companies can confidently make those claims. This emphasizes why you absolutely need to compare as many rates as you can. It is impossible to predict which company will fit your personal profile best.

Factors determining your Ford Expedition insurance premium

It’s important that you understand the rating factors that come into play when calculating the price you pay for car insurance. Understanding what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The list below includes some of the items companies use to determine prices.

  • Where you live – Living in less populated areas is a positive aspect when insuring your vehicles. Urban drivers have to deal with more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • Don’t buy coverages you don’t need – There are a ton of add-on coverages you can purchase on your Expedition policy. Coverages for rental car reimbursement, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate them to save money.
  • Women pay lower rates – Statistics demonstrate that women are safer drivers than men. However, this does not mean women are better drivers. Men and women have accidents at about the same rate, but the men have costlier accidents. Men also statistically receive more costly citations like reckless driving and DUI. Young males are most likely to cause an accident and are penalized with high car insurance rates.
  • You might want pay the small claims yourself – Insurance companies award better rates to drivers who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.

Verify you’re getting all your discounts

Companies that sell car insurance do not list every available discount very clearly, so we break down both the well known and the harder-to-find ways to save on auto insurance.

  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
  • Bundle and Save – If you have multiple policies with one company you will save up to 20% off your total premium.
  • One Accident Forgiven – A few companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Expedition coverage than their less cautious counterparts.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, auto insurance companies aren’t that generous.

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

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts might not apply in your state.

When should I talk to an agent?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining if you might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I missing any policy discounts?
  • Is there coverage for injuries to my pets?
  • What is the rate difference between pleasure use and commuting?
  • What is high-risk coverage and where do I buy it?
  • Does my car insurance cover rental cars?
  • Am I covered when delivering products for my home-based business?
  • When should I buy a commercial auto policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance coverage information

Understanding the coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average auto insurance policy.

Collision coverage protection

This coverage pays to fix your vehicle from damage 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 insurance covers things such as colliding with another moving vehicle, crashing into a ditch, colliding with a tree, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2016 Ford Expedition.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for surgery, dental work, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for 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. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as structural damage, attorney fees, legal defense fees, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, falling objects and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A tidy conclusion

Lower-priced 2016 Ford Expedition insurance is definitely available online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.

We just covered many tips how you can reduce insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with the smaller companies. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

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