2011 Ford Expedition Insurance Cost

Nobody I know looks forward to paying for insurance coverage, especially knowing the cost is way too high.

You have multiple auto insurance companies to choose from, and even though it’s nice to be able to choose, lots of choices makes it harder to get the best deal.

Finding the best rates is quite easy. Essentially every driver who has to buy car insurance will more than likely be able to lower their premiums. Nevertheless, drivers can benefit from knowing how companies determine prices and use this information to your advantage.

Vehicle Insurance Comparison

Comparing insurance rates can be exhausting if you don’t utilize the easiest way. You can spend countless hours talking to local insurance agents in your area, or you could save time and use the internet to get the quickest rates.

All the larger companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company can give them a price. This saves time by eliminating quotation requests for every insurance company.

To find out how much you can save on insurance click here (opens in new window).

The one downside to doing it this way is you are unable to specify which carriers you want pricing from. If you would rather choose specific providers to receive pricing from, we have a page of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, ensure you are comparing identical deductibles and coverage limits on every quote you get. If you are comparing higher or lower deductibles it’s not possible to make an equal comparison. Just a small difference in limits can make a big difference in price. It’s important to know that obtaining a wide range of quotes provides better odds of finding the best offered rates.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so we break down both the well known and also the lesser-known discounts you could be receiving.

  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Own a Home – Owning a home can help you save on insurance coverage because owning a home requires personal responsibility.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy qualifies for this discount.

Keep in mind that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

Insurance companies that possibly offer these discounts include:

Check with each insurance company which discounts they offer. All car insurance discounts may not apply in your state.

Car insurance is unique, just like you

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions might point out whether or not you might need professional guidance.

  • Should I put collision coverage on all my vehicles?
  • Do I need replacement cost coverage?
  • How much liability coverage do I need in my state?
  • Do I need roadside assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Does coverage extend to my business vehicle?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Insurance policy specifics

Understanding the coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Auto liability – This can cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like medical services, legal defense fees, attorney fees, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses such as prosthetic devices, dental work and pain medications. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, theft and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Expedition.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – This pays for damage to your Expedition resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.