How Much Does 2004 Ford Expedition Insurance Cost?

Trying to find the cheapest insurance rates for your Ford Expedition? Sick and tired of paying out the nose each month for car insurance? You’re in the same situation as many other drivers.

Numerous insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate

Car Insurance Prices Online

Most companies such as Progressive, GEICO, Allstate and State Farm provide pricing directly from their websites. The process is quite simple as you just enter your personal and coverage information into a form. Upon sending the form, their system pulls your driving and credit reports and provides a quote based on many factors. Being able to quote online streamlines rate comparisons, but the time required to go to several different sites and type in the same information can get tiresome after awhile. But it’s very important to do this in order to get the lowest possible prices on car insurance.

The quickest way to lower your rates requires only one form to obtain quotes from more than one company. It saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. As soon as the form is sent, it is quoted and you can select your choice of the returned quotes.

If a lower price is quoted, you can click and sign and buy the policy. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you enter the coverages identical to your current policy. This ensures you are getting a rate comparison for similar insurance coverage.

Some factors that can determine what Ford Expedition insurance costs

It’s important that you understand some of the elements that go into determining your insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to better insurance rates.

Listed below are a few of the “ingredients” that factor into prices.

  • Your location affects your rates – Choosing to live in a rural area is a positive aspect when it comes to insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • Higher deductibles cost less – Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The more you’re willing to pay, the less your insurance will be for Expedition insurance.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for insurance? Occupations like lawyers, architects and dentists have the highest average rates attributed to stressful work requirements and lengthy work days. Other professions such as pilots, historians and homemakers get better rates for Expedition insurance.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Ford Expedition has ratings of a minimum four stars on or an “acceptable” rating on you may qualify for a discount.

These discounts can slash car insurance rates

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but less common discounts must be inquired about in order for you to get them.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Senior Discount – Mature drivers may receive better car insurance rates for Expedition insurance.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for Expedition insurance with a few car insurance companies.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when shopping for car insurance for Expedition insurance.

Drivers should understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will cut your overall premium however.

To see a list of insurance companies offering car insurance discounts, click this link.

When might I need the advice of an agent?

When choosing coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • What are the financial responsibility laws in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is PIP insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need motorclub coverage?
  • Should I get collision insurance on every vehicle?
  • What is roadside assistance coverage?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage specifics

Having a good grasp of insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills such as nursing services, chiropractic care, EMT expenses, pain medications and dental work. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford Expedition.

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. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, theft, damage from a tornado or hurricane and a broken windshield. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, medical expenses, loss of income, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision coverage

Collision coverage pays for damage to your Expedition resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, 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.

One last thing about your coverage

We just covered many ideas to reduce 2004 Ford Expedition insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even find the best price on car insurance is with a small local company. These companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

As you shop your coverage around, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice full coverage only to find out that the savings was not a smart move. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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