Cheap 2000 Ford Excursion Insurance Rates

Searching for the cheapest auto insurance rates for your Ford Excursion? Cutting costs on auto insurance can be difficult for beginners to comparison shopping online. Drivers have so many options available that it can easily become a big hassle to locate the lowest price.

Buying car insurance is not rocket science. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. But drivers should learn the methods companies use to market insurance on the web and take advantage of how the system works.

Ford Excursion rates are in the details

Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

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

  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the coverage that protects you when you are found liable for causing damage or personal injury in an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Your credit rating is important – Having a bad credit score is a large factor in determining your rates. So if your credit is lower than you’d like, you could be paying less to insure your 2000 Ford Excursion by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit.
  • More people means more accidents – Residing in a rural area can save you money when talking about car insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.
  • Extra coverages can waste money – There are quite a few extra coverages that can waste your money on your car insurance policy. Insurance for rental car reimbursement, accident forgiveness and motor club memberships may be wasting your money. They may seem good initially, but if you don’t need them eliminate the coverages to reduce your premium.

Compare the Market for Insurance Coverage

All the larger insurance coverage companies quote prices for coverage online. Getting online quotes is pretty easy as you just type in your coverage preferences as requested by the quote form. After you complete the form, their system collects information on your driving record and credit history and generates a price determined by many factors.

This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively enter the same data into a form is monotonous and tiresome. But it is imperative to perform this step if you are searching for the best price possible.

The easiest way to get multiple rate quotes utilizes a single form that analyzes rates from a lot of companies. It saves time, requires much less work on your part, and makes rate comparisons a lot less work. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the resulting price quotes. If you find a better price you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and may save quite a bit of money.

To get comparison pricing now, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you type in the limits and deductibles exactly as shown on your declarations page. This ensures you will have a rate comparison for exact coverage.

Don’t overlook these discounts

Auto insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down both the well known as well as the least known discounts you could be receiving.

  • Government Employees – Simply working for the federal government could cut as much as 10% off on Excursion coverage with select insurance companies.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on Excursion coverage than their less cautious counterparts.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Homeowners Savings – Being a homeowner can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Senior Citizens – Mature drivers may qualify for reduced rates on Excursion coverage.
  • Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Insurance companies who might offer these benefits include:

Check with all companies you are considering which discounts they offer. Savings might not apply everywhere.

Is my situation unique?

When choosing the best insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might point out if your insurance needs might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • What is no-fault insurance?
  • What can I do if my company won’t pay a claim?
  • Am I missing any policy discounts?
  • Is my custom paint covered by insurance?
  • How much liability insurance is required?
  • How do I insure my teen driver?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance policy coverages for a Ford Excursion

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance can cover damage that occurs to other’s property or people in an accident. This coverage 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. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like legal defense fees, emergency aid, loss of income and medical services. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Excursion.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as chiropractic care, X-ray expenses and doctor visits. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays for damage to your Excursion caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb, hitting a mailbox, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Power to the consumer

People leave their current company for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, high rates after DUI convictions or delays in responding to claim requests. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

We just showed you some good ideas how you can lower your 2000 Ford Excursion insurance rates. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small local company.

Cheap insurance can be found online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance coverage companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

More information is located at these links: