Searching for lower car insurance rates for your Ford Excursion? Are you confused by the number of car insurance companies? You’re not alone. Drivers have so many options available that it can easily become a big hassle to find the lowest price.
Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. But car owners must learn the way insurance companies compete online and use this information to your advantage.
There are a lot of ways to compare insurance coverage prices but there is one way that is less time-consuming than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get the quickest rates.
Most of the larger companies participate in a marketplace where prospective buyers submit one quote, and at least one company returns a rated price based on that data. This eliminates the need for quotation requests for every insurance coverage company.
To participate in this free quote system, click here (opens in new window).
One minor caviat to getting quotes like this is buyers cannot specifically choose which companies to get pricing from. If you would rather choose specific providers to compare prices, we have a page of insurance coverage companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but make darn sure you compare the exact same quote information for each comparison quote. If you compare higher or lower deductibles it’s impossible to make an equal comparison. Quoting even small variations in coverages may result in large price differences. Just keep in mind that more quotes helps locate the best offered rates.
Companies don’t always publicize every available discount very clearly, so we took the time to find both well-publicized and the harder-to-find car insurance savings.
It’s important to understand that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.
Car insurance companies that may offer these discounts include:
It’s a good idea to ask each insurance company how you can save money. Discounts may not apply in your area.
When it comes to buying coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.
For example, these questions might point out whether your personal situation would benefit from professional advice.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form.
Knowing the specifics of your insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.
This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Excursion.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
This coverage pays for damage to your Excursion resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as fire damage, damage from getting keyed, rock chips in glass and hail damage. 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 probably time to drop comprehensive insurance.
Medical payments and Personal Injury Protection insurance provide coverage for expenses such as dental work, chiropractic care and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover 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. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability can pay for things such as medical services, loss of income, emergency aid, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.
Drivers switch companies for a number of reasons such as delays in paying claims, extreme rates for teen drivers, an unsatisfactory settlement offer and even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company is easier than you think.
Budget-conscious 2003 Ford Excursion insurance is available online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
Additional detailed information can be read in these articles: