Nobody I know likes having to buy car insurance, especially knowing the cost is too high. Drivers have multiple insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more challenging to locate the cheapest rates.
The purpose of this article is to introduce you to how to get online quotes and some money-saving tips. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Consumers just need to learn the best way to get comparison quotes over the internet.
The quickest method to compare policy rates is to understand most of the larger companies allow for online access to provide you with free rate quotes. All consumers are required to do is provide a little information such as whether or not you need a SR-22, how your vehicles are used, distance driven, and whether you have decent credit. Your details is sent automatically to multiple auto insurance providers and they provide comparison quotes within a short period of time.
The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but some must be asked about before they will apply. If you aren’t receiving every discount possible, you’re paying more than you need to.
It’s important to note that most discounts do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will cut the cost of coverage.
To see a list of insurers with discount auto insurance rates, follow this link.
When buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For example, these questions might point out whether your personal situation will benefit from professional help.
If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Drivers constantly see and hear ads for car insurance savings by companies like GEICO, State Farm and Progressive. They all make the same claim that you’ll save big if you change to them.
How do they all say the same thing?
All companies have a certain “appetite” for the right customer they prefer to insure. An example of a preferred risk might be profiled as over the age of 50, has no driving citations, and has excellent credit. A customer who meets those qualifications will get very good rates and therefore will save when they switch companies.
Consumers who do not match these standards will be quoted higher rates which leads to business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully make the claims of big savings.
This emphasizes why drivers should get as many quotes as possible. Because you never know the company that will provide you with the cheapest Ford Expedition insurance rates.
Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.
Comprehensive or Other Than Collision
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical costs insurance
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, funeral costs, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Liability auto insurance
This protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things such as emergency aid, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Ford Expedition.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.
Collision insurance covers damage to your Expedition from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims like hitting a parking meter, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.
Low-cost 2008 Ford Expedition insurance can be bought from both online companies and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
We’ve covered many tips how you can save on insurance. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest priced insurance coverage comes from a small mutual company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.
While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage for the lowest price.
More detailed insurance coverage information is located in the articles below: