Cheap 2007 Ford Expedition Car Insurance Cost

Shoppers have lots of choices when shopping for the lowest priced Ford Expedition insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to compare rates. There is a better way to compare insurance coverage rates and we’ll show you the quickest way to price shop coverage on a Ford and locate the lowest possible price from local insurance agents and online providers.

The easiest way to get rate comparisons utilizes the fact car insurance companies actually pay money for the chance to give you rate quotes. The only thing you need to do is take a few minutes to give details including how much education you have, an estimate of your credit level, whether the vehicles are used for commuting, and coverage limits. That rating information is automatically sent to multiple companies and they respond with quotes instantly.

To check rates for your 2007 Ford Expedition, click here and enter your zip code.

Auto insurance myths debunked

Consumers get pounded daily by advertisements for car insurance savings by companies like State Farm, GEICO and Progressive. All the companies make the same claim that you can save if you change to them.

But how can every company claim to save you money?

All the different companies can use profiling for the type of driver that earns them a profit. A good example of a preferred risk might be profiled as over the age of 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Drivers who don’t qualify for these standards must pay higher rates which leads to business going elsewhere. The ads state “people who switch” not “everyone that quotes” save that much. That’s the way insurance companies can state the savings. This illustrates why it is so important to get quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Do you qualify for discounts?

Companies offering auto insurance don’t always list every discount very clearly, so we break down both well-publicized and the more hidden ways to save on insurance. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of 20% or more.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Accident Waiver – A few companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • E-sign – A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.

Keep in mind that most credits do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of companies with the best insurance discounts, click this link.

Don’t assume everyone needs the same coverage

When choosing the best auto insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • Where can I find high-risk insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I put collision coverage on all my vehicles?
  • Can I make deliveries for my home business?
  • How can I find cheaper teen driver insurance?
  • Why do I only qualify for high-risk insurance?
  • How much liability do I need to cover my assets?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Learn about auto insurance coverages for a Ford Expedition

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hail damage, damage from a tornado or hurricane and vandalism. The maximum amount you’ll receive from a claim 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.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverage

Liability insurance protects you from injuries or damage you cause to a person or their property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as pain and suffering, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, X-ray expenses, funeral costs, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, crashing into a building, colliding with a tree, driving through your garage door and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Never pay more for less

Consumers who switch companies do it for a number of reasons such as delays in paying claims, delays in responding to claim requests, extreme rates for teen drivers or even denial of a claim. Regardless of your reason, finding the right insurance coverage provider can be pretty painless.

Budget-conscious 2007 Ford Expedition insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We’ve covered a lot of tips how to lower your insurance rates. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even find the lowest rates come from a lesser-known regional company.

For more information, feel free to browse the following helpful articles: