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Ford Expedition EL Insurance Rates

There are many options when attempting to insure your Ford vehicle. You can buy from a local agent or go online to check prices from a lot of auto insurance companies. Comparing auto insurance through online companies can be fast and easy and there is a good chance you might just save a little.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of companies vying for your business. Getting cheaper insurance rates is not a difficult process. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This can be done by completing this short form.

Auto insurance rates on a Ford Expedition EL will vary greatly depending on several factors. Some of these factors include:

  • Higher performance Expedition EL vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you own your home

A final factor that can impact Expedition EL insurance rates is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them will push premiums up. On the flip side, more recent Ford vehicles may have a trim level with safety features like pedestrian detection, a collision avoidance system, and adaptive headlights so those may give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Expedition EL below.

Coverage for liability

This coverage will cover damage that occurs to people or other property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as much as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Ford resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your Expedition EL can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper Expedition EL insurance rates.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Ford Expedition EL comprehensive insurance. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Expedition EL Insurance Rates?