Save on 2024 Ford Expedition Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2024

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Want better car insurance rates for your Ford Expedition? High-priced car insurance can sap your budget and put the squeeze on your family’s finances. There is such a variety of auto insurance companies to buy insurance from, and although it’s nice to be able to choose, it makes it harder to find the lowest rates.

First Step: Get free insurance quotes

Getting cheaper 2024 Ford Expedition insurance pricing is actually easier than you may think. The only requirement is to spend a few minutes comparing rate quotes provided by online insurance companies. This can be accomplished using one of these methods.

  1. One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form. This type of form keeps you from doing a different quote for every company. One simple form gets you price quotes direct from many companies.
  2. A less efficient way to find better pricing requires a visit to each individual company website to request a price quote. For example, let’s assume you want comparison quotes from Allstate, Esurance and Liberty Mutual. You would be required to take the time to go to each site and type in your information over and over, which is why most consumers use the first method.

You can use whichever method you prefer to find lower rates, just make sure you use equivalent coverage limits on every price quote you get. If the quotes have different liability limits you will not be able to determine which rate is truly the best.

Get lower-cost insurance costs by understanding these factors

Smart consumers have a good feel for the factors that help determine the level of your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that may result in better insurance rates.

  • Deter theft and lower rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft and help bring rates down.
  • Expect high rates for teens – Teenage drivers are statistically proven to be inattentive and easily distracted when driving with friends therefore insurance rates are much higher. More mature drivers have been proven to be more responsible, statistically cause fewer accidents , and usually have better credit.
  • Avoid insurance policy lapses – Driving with no insurance can get you a ticket and your next policy will cost more because you let your insurance expire. In addition to paying higher rates, being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Insure your auto and home with one company – The majority of insurers apply better rates for people that purchase more than one policy such as combining an auto and homeowners policy. Discounts can be ten or even fifteen percent. Even with this discount applied, drivers will still want to shop around to confirm you are receiving the best rates possible.
  • Insurance rates and your occupation – Do you have a high-stress occupation? Occupations such as military personnel, police officers and emergency personnel generally have higher premiums than the average policyholder attributed to intense work-related stress and lots of time spent at work. Other careers such as actors, historians and performers have the lowest average rates for Expedition coverage.

Discounts to earn cheaper car insurance rates

Car insurance is expensive, but you may find discounts that could help you make your next renewal payment. Many discounts should be triggered when you complete an application, but a few must be specially asked for prior to getting the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Early Renewal Discounts – Some larger companies reward drivers for switching to them early. You could save around 10% when you buy insurance online.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
  • Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote insurance for Expedition coverage depending on your company.
  • Student Discount for Driver Training – Require your teen driver to successfully take a drivers education course if offered at their school.
  • Senior Citizen Rates – Seniors may be able to get a small decrease in premiums for Expedition coverage.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a discounted rate on car insurance if you buy some life insurance too.
  • College Student – Older children who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.
  • No Claims – Drivers who don’t have accidents can save substantially as compared to policyholders that have many claims.
  • Lower Rates for Military – Being deployed with a military unit could qualify you for better premium rates.
  • Telematics Discount – Policyholders that allow their car insurance company to study when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.

We need to note that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount should help reduce your premiums.

The best car insurance companies and the discounts they provide are shown below.

  • State Farm has discounts for good driver, defensive driving training, multiple policy, accident-free, driver’s education, and multiple autos.
  • Progressive may offer discounts for online quote discount, multi-policy, multi-vehicle, online signing, and homeowner.
  • Travelers has savings for early quote, driver training, continuous insurance, payment discounts, multi-policy, and home ownership.
  • American Family may have discounts that include bundled insurance, TimeAway discount, air bags, good student, Steer into Savings, early bird, and accident-free.
  • Liberty Mutual offers premium reductions for teen driver discount, hybrid vehicle, new graduate, new move discount, newly married, and safety features.

When quoting, ask every insurance company how many discounts you can get. Savings may not be available in your area. If you would like to view companies that offer many of these discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I afford low physical damage deductibles?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • What is PIP insurance?
  • When should my teen driver be added to my policy?
  • What can I do if my company won’t pay a claim?
  • Is my state a no-fault state?
  • Should I rate my 2024 Ford Expedition as pleasure use or commute?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete your zip code. It is quick, free and may give you better protection.

Insurance coverage specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, damage from a tornado or hurricane and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Expedition.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Liability car insurance

This coverage will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like funeral expenses, medical services, legal defense fees, bail bonds and pain and suffering. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for doctor visits, hospital visits, dental work and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, crashing into a building, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

The bottom line

Discount 2024 Ford Expedition insurance can be sourced from both online companies and with local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies don’t offer rate quotes online and these smaller providers provide coverage only through local independent agents.

As you restructure your insurance plan, do not reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage only to find out that the savings was not a smart move. Your goal should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

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