2017 Ford Expedition Car Insurance Quotes in 2024 – 9 Tips for Cheaper Rates

Trying to find cheaper insurance rates for your Ford Expedition? No car owner rejoices having to buy insurance, in particular when they could find better rates elsewhere. You have so many car insurance companies to choose from, and although it’s a good thing to have a selection, so many choices can make it hard to adequately compare rates.

It’s a good habit to check insurance prices yearly because insurance prices go up and down regularly. Even if you got the best deal on Expedition insurance at your last renewal you can probably find a lower rate today. You can find a lot of misleading information regarding insurance out there, but in just a couple of minutes you can learn some solid techniques on how to lower your insurance bill.

Buying car insurance is not rocket science. If you have insurance now or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Drivers just need to learn the most effective way to shop online.

How to get free insurance coverage quotes online

Effectively comparing insurance coverage prices can take hours if you don’t understand the fastest way to get free quotes. You could waste a few hours driving to insurance agencies in your area, or you could use online quotes to maximize your effort.

All the larger companies belong to an insurance system that allows shoppers to submit their information once, and at least one company returns a competitive quote. This prevents consumers from doing form submissions to each individual insurance coverage company.

To compare rates now enter your zip code here.

One minor caveat to getting quotes like this is you don’t know exactly which carriers to get quotes from. So if you want to choose individual companies to compare, we have assembled a list of the cheapest insurance coverage companies in your area. Click to enter zip code.

Whichever way you use, try to use apples-to-apples quote data for each price quote. If you compare unequal deductibles or liability limits it will be nearly impossible to determine the best price for your Ford Expedition.

Auto insurance policy discounts you can’t miss

Auto insurance is not inexpensive, but companies offer discounts that could help you make your next renewal payment. Some trigger automatically at the time of purchase, but some need to be inquired about before you will receive the discount. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

• Accident Waiver – but a few companies such as Progressive, Allstate, and GEICO will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
• Senior Citizens – Mature drivers may receive reduced rates on Expedition insurance.
• Clubs and Organizations – Being in a qualifying organization may earn a discount on auto insurance.
• Early Signing – Select companies give a discount for switching to them before your current coverage expires. You could save around 10% when you buy car insurance online.
• Student in College – who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
• Save with More Vehicles Insured – Insuring all your vehicles with one company could earn a price break for each car.
• Seat Belt Discounts – Requiring all passengers to fasten their seat belts may be able to save a few bucks off the medical payments premium.
• Drivers Ed for Students – Have your child take driver’s ed class as it will make them better drivers and lower rates.
• Auto/Home Discount – If you combine your auto and home policies with one insurance company you could save 10% to 20% off each policy.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will cut your policy cost.

A list of companies and their possible discounts can be read below.

• State Farm has savings for passive restraint, good student, driver’s education, multiple policy, anti-theft, defensive driving training, and multiple autos.
• Nationwide policyholders can earn discounts including defensive driving, good student, easy pay, multi-policy, anti-theft, and Farm Bureau membership.
• GEICO has discounts for seat belt use, daytime running lights, military active duty, anti-theft, and five-year accident-free.
• AAA includes discounts for multi-policy, education and occupation, good student, AAA membership discount, and multi-car.
• 21st Century may include discounts for early bird, theft prevention, good student, 55 and older, and anti-lock brakes.
• The Hartford offers discounts for air bag, defensive driver, vehicle fuel type, good student, and driver training.

Before purchasing a policy, check with each company or agent which discounts they offer. Some credits may not apply to policies in your area. To see a list of providers offering auto insurance discounts, enter your zip code here.

Insurance agents can help

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine whether you might need professional guidance.

• Should I put collision coverage on all my vehicles?
• Do I need roadside assistance coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Is borrowed equipment or tools covered if stolen or damaged?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered when delivering products for my home-based business?
• What happens if I owe more than my 2017 Ford Expedition is worth?
• Is my 2017 Ford Expedition covered for smoke damage?
• How do I insure my teen driver?
• If my 2017 Ford Expedition is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and enter your zip code. It only takes a few minutes and may give you better protection.

Big names are not always cheapest

Consumers can’t avoid all the ads for car insurance savings from companies such as Allstate, GEICO and Progressive. They all advertise claims that drivers can save some big amount if you just switch your policy.

Is it even possible that every company can charge less that you’re paying now? This is how they do it.

Insurance companies have a certain “appetite” for the driver that will not have excessive claims. For example, a profitable risk profile could possibly be between 25 and 40, has no driving citations, and does not commute to work. Anyone who matches that profile may get the lowest auto insurance rates and is almost guaranteed to save money with a new company.

People who fall outside these criteria will probably be forced to pay higher rates and this results in the customer not buying. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” save money. That is how insurance companies can make the claims of big savings. This emphasizes why you absolutely need to compare quotes as often as possible. Because without a comparison, you cannot know which insurance companies will provide the lowest prices.

Insurance coverages and their meanings

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Liability

Liability coverage provides protection from damage that occurs to a person or their property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, hitting a bird, theft, hail damage and rock chips in glass. The maximum 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.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Expedition.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage protection

Collision coverage covers damage to your Expedition from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses like chiropractic care, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Keep this in mind

We’ve covered many ways to compare 2017 Ford Expedition insurance rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheap car insurance. You may even find the best rates are with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability coverage limits only to discover later that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.