Cheaper 2014 Ford Expedition Insurance Quotes

Shoppers have a choice when shopping for the best price on Ford Expedition insurance. They can either waste time driving around trying to get quotes or use the internet to get rate quotes. There are more efficient ways to compare auto insurance rates and we’ll show you the absolute fastest way to get price quotes for a Ford and find the best price possible from both online companies and local agents.

Compare Auto Insurance Costs

There are a lot of ways to shop for auto insurance, but one way is more efficient than others. You could spend the better part of a day talking to agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many companies belong to a marketplace that enables customers to send in one quote, and at least one company can give them a price for coverage. This system prevents you from having to do quotation requests for each company.

To use this form to compare 2014 Ford Expedition insurance rates click here to open in new window.

One minor caviat to using this type of system is you can’t choose the companies to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a page of low cost auto insurance companies in your area. Click to view list.

However you get your quotes, compare apples-to-apples deductibles and coverage limits on every quote. If the quotes have different limits and deductibles on each one you can’t possibly truly determine the lowest rate.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if you might need an agent’s assistance.

  • Does car insurance cover theft of personal property?
  • Am I covered when pulling a rental trailer?
  • Does insurance cover tools stolen from my truck?
  • When should I drop full coverage on my 2014 Ford Expedition?
  • Which is better, split liability limits or combined limits?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is an SR-22 filing?
  • Do I benefit by insuring my home with the same company?
  • Am I insured when driving a different vehicle?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages explained

Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability auto insurance

This can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. 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. You commonly see liability limits of 50/100/50 that means you have 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 can pay for things such as loss of income, bail bonds, structural damage and emergency aid. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, hail damage, vandalism, hitting a deer and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like rehabilitation expenses, pain medications, ambulance fees and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Expedition from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Expedition.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.