2012 Ford Expedition Insurance Rates – 10 Savings Tips

Trying to find lower car insurance rates? Buyers have a choice when searching for low-cost Ford Expedition insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to make rate comparisons.

There is a better way to buy car insurance so we’re going to tell you the best way to compare rates for a new or used Ford and find the lowest price from local insurance agents and online providers.

It’s smart to check car insurance prices yearly since insurance rates are variable and change quite frequently. Even if you got the lowest price for Expedition insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the fastest and easiest way to lower your rates without sacrificing coverage.

Automobile Insurance Quotes

Getting better 2012 Ford Expedition insurance pricing is not rocket science. The only thing you need to do is spend a few minutes comparing rate quotes online from several insurance companies. This is very easy and can be done in several different ways.

  1. The recommended way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for a different quote for every insurance company. A single, simple form will return price quotes from all major companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to analyze rates requires a trip to each company’s website to request a price quote. For examples sake, let’s assume you want to compare Nationwide, Progressive and Travelers. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just compare identical quote information on every quote. If you enter higher or lower deductibles it will be next to impossible to make a fair comparison for your Ford Expedition.

Save money by taking advantage of these ten discounts

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at quote time, but lesser-known reductions have to be asked about before you get the savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Claim Free – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • More Vehicles More Savings – Having multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Expedition insurance depending on your company.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Resident Student – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Club Memberships – Belonging to a qualifying organization could trigger savings when shopping for insurance coverage for Expedition insurance.
  • Bundle and Save – When you have multiple policies with one company you may earn up to 20% off your total premium.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.

Drivers should understand that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you’re out of luck. But any discount will cut the amount you have to pay.

A partial list of companies who might offer these money-saving discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts may not be available in your area.

When should I use an insurance agent?

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Do I need replacement cost coverage on my 2012 Ford Expedition?
  • Am I missing any policy discounts?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my babysitter covered when using my vehicle?
  • Can I rent a car in Mexico?
  • Is pleasure use cheaper than using my 2012 Ford Expedition to commute?
  • How much liability insurance is required?
  • Is there coverage for injuries to my pets?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Coverages available on your auto insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

This coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not 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 values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, structural damage, attorney fees, loss of income and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for ambulance fees, surgery and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, vandalism, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Expedition.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.