How Much Does 2016 Ford Expedition Insurance Cost in 2024?

Trying to find lower car insurance rates? Buyers have options when searching for the lowest priced Ford Expedition insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to find the lowest rates. There are more efficient ways to shop for car insurance so we’re going to tell you the best way to compare rates for your Ford and get the lowest possible price from both online companies and local agents.

It’s a good idea to quote other rates occasionally because car insurance prices are usually higher with each renewal. Even if you got the best quotes for Expedition insurance two years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn how to quote online to get good coverage at a lower rate.

How to get free insurance coverage quotes online

There are multiple methods you can shop for insurance coverage but some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most major companies belong to a marketplace that enables customers to complete one form, and each participating company then gives them pricing based on that information. This system prevents you from having to do quote requests to each company. To get comparison pricing now enter your zip code here.

The only drawback to using this type of form is you are unable to specify the providers you will receive quotes from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. Click to enter zip code.

Whichever method you choose, double check that you are using exactly the same quote data for every quote you compare. If the quotes have unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate.

How insurers calculate Ford Expedition insurance premiums

Many different elements are part of the equation when pricing auto insurance. Most are fairly basic like an MVR report, but others are not quite as obvious such as whether you are married or how financially stable you are. Part of the insurance buying process is learning the factors that are used to determine the level of your policy premiums. If you know what influences your rates, this empowers consumers to make smart changes that may result in lower premium levels.

The factors shown below are some of the major factors that factor into premiums.

• Keep prices low by being claim-free – Car insurance companies provide the lowest premiums to drivers who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on higher rates. Your car insurance is intended for the large, substantial claims.
• Drive less and save – The higher the miles on your Ford every year the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos not used for work or commuting receive better premium rates compared to those used for work or business. Verify your insurance policy shows the proper vehicle usage. Incorrect rating for your Expedition may be wasting your money.
• Never let your insurance policy expire – Having a lapse in insurance coverage will be a sure-fire way to drive up your policy premiums. Not only will you pay more, not being able to provide proof of insurance might get you a revoked license or a big fine. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Get married and get cheaper rates – Walking down the aisle may save some money on your policy. Having a significant other may mean you are more responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
• Lower premiums for cars with good safety ratings – Vehicles with high crash test scores tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and fewer injuries means less claims paid passed on to you as lower rates. If your Ford earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• Improve your credit score and save – Having a bad credit score can be an important factor in determining what you pay. People that have very good credit scores tend to be better drivers and file fewer claims than those with lower credit ratings. Therefore, if your credit history can be improved, you may save money insuring your 2016 Ford Expedition by improving your rating.
• Don’t cut corners with liability – Your insurance policy’s liability coverage is the coverage that protects you if ever you are determined to be liable for physical damage or personal injury to other. It will provide for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
• Age of drivers – Older insureds are proven to be safer behind the wheel, tend to cause fewer accidents . Youthful drivers are known to get distracted easily when driving therefore insurance rates are much higher.

Verify you’re getting every discount

Insurance coverage is not an enjoyable expense, but discounts can save money and there are some available that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but some need to be asked about before being credited.

• More Vehicles More Savings – Buying insurance for several vehicles with one company may reduce the rate for each vehicle.
• Mature Driver Discount – Seniors may qualify for a small discount on rates for Expedition insurance.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks off the medical payments premium.
• Sign Early and Save – A few insurance companies allow discounts for buying a policy before your current expiration date. You may see this discount when you get insurance coverage quotes online.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
• Active Military Service – Being deployed in the military could mean lower prices.

Please keep in mind that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best insurance coverage companies and a selection of discounts are included below.

• The Hartford includes discounts for good student, vehicle fuel type, bundle, anti-theft, air bag, and driver training.
• American Family offers premium reductions for bundled insurance, Steer into Savings, multi-vehicle, good student, accident-free, and TimeAway discount.
• Progressive has savings for multi-vehicle, good student, homeowner, continuous coverage, online quote discount, multi-policy, and online signing.
• Travelers may include discounts for student away at school, new car, continuous insurance, good student, IntelliDrive, hybrid/electric vehicle, and multi-policy.
• Farmers Insurance may have discounts that include distant student, good student, teen driver, homeowner, multi-car, and youthful driver.
• USAA offers discounts for new vehicle, loyalty savings, annual mileage, vehicle storage, family discount, and good student.
• Liberty Mutual may offer discounts for new move discount, hybrid vehicle, newly retired, good student, new vehicle discount, and exclusive group savings.

When comparing rates, check with every insurance company which discounts you qualify for. Some discounts may not apply to policies everywhere.

When should I discuss my situation with an agent?

When buying the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions might help in determining whether your personal situation may require specific advice.

• If my pet gets injured in an accident are they covered?
• Are my friends covered when driving my 2016 Ford Expedition?
• When do I need to add a new car to my policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does coverage extend to my business vehicle?
• Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and you can get the answers you need.

Insurance coverages explained

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, rock chips in glass, a broken windshield and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, hospital visits, dental work and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance can cover damage that occurs to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things such as bail bonds, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Expedition.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Be a penny pincher

You just learned a lot of information how to get a better price on 2016 Ford Expedition insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the lowest car insurance rates come from the smaller companies.

As you restructure your insurance plan, never buy less coverage just to save a little money. In many instances, an insured dropped liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

There are still a few companies who don’t offer the ability to get a quote online and many times these smaller providers work with independent insurance agents. More affordable insurance can be found both online as well as from independent agents, so you should compare both so you have a total pricing picture.