7 Guaranteed Tips to Lower Ford Excursion Rates

Did you make the mistake of buying an underperforming, overpriced auto insurance policy? You’re preaching to the choir because there are lots of residents who feel the same. Due to the abundance of choices of insurance companies, it can be hard to choose the lowest cost insurer.

It’s a great practice to compare premium rates on a regular basis because auto insurance prices change frequently. Despite the fact that you may have had the lowest rate for Excursion insurance six months ago you can probably find a better premium rate now. There is a lot of wrong information about auto insurance out there, but in this article, you’re going to get the easiest ways to lower your auto insurance rates.

Cheap auto insurance rates with discounts

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. A few discounts will be applied when you complete an application, but some may not be applied and must be asked for before you get the savings. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

• Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
• Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Excursion insurance compared to accident prone drivers.
• Driver Safety – Passing a course in safe driver could cut 5% off your bill if your company offers it.
• Homeowners Savings – Just being a homeowner can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
• No Claim Discounts – Good drivers with no accidents get the best auto insurance rates as opposed to policyholders that have many claims.
• Anti-lock Brake System – Cars with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
• Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save 10% or more off the PIP or medical payment premium.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So when the math indicates you can get free auto insurance, that’s just not realistic.

Some of the insurance companies that may offer policyholders these benefits are:

• GEICO
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

Before purchasing a policy, check with every insurance company which discounts they offer. All car insurance discounts may not apply to policies in every state. If you would like to see a list of companies with the best discounts, follow this link.

The easiest way to compare rate quotes is to know the trick most of the larger companies allow for online access to quote your coverage. The only thing you need to do is provide information like if it has an alarm system, which vehicles you own, if you have a valid license, and how much education you have. The data gets sent immediately to insurance companies and they return rate quotes with very little delay.

To start a rate quote now, click here and complete the form.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation may require specific advice.

• How do I file an SR-22 for a DUI in my state?
• What should my uninsured motorist coverage limits be in my state?
• Will my rates increase for filing one claim?
• When should I not file a claim?
• Why am I required to get a high-risk car insurance policy?
• What discounts do I qualify for?
• When would I need additional glass coverage?
• Can I afford to buy a different vehicle if my Ford Excursion is totaled?
• Do I need higher deductibles?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Drivers who switch save $472 a year? Really?

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies have a common claim about how much you will save after switching your coverage. How does every auto insurance company have lower policy pricing? It’s all in the wording.

Different companies are able to cherry pick for the type of customer they prefer to insure. For instance, a preferred risk might have to be between 30 and 50, carries high limits, and the vehicle is rated for pleasure use. A customer getting a price quote that fits those parameters will get the preferred car insurance rates and will probably save a lot of money.

Consumers who are not a match for this stringent profile will probably have to pay higher premiums which translates to the customer buying from someone else. The trick companies use is to say “customers who switch” not “all people who quote” save that much. That’s the way insurance companies can confidently claim big savings. Because each company has a different risk profile, drivers must compare rate quotes every year. It is impossible to guess which auto insurance company will have the best premium rates at this point in time.

Car insurance 101

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by auto insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, theft, damage from getting keyed, a broken windshield and rock chips in glass. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for immediate expenses like chiropractic care, surgery, X-ray expenses, doctor visits and nursing services. They can be used to fill the gap from 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. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Excursion.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision insurance covers damage to your Excursion from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, scraping a guard rail, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance protects you from damage that occurs to other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like attorney fees, medical expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

You can find cheaper coverage

As you , it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone dropped uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

More affordable auto insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies do not offer the ability to get a quote online and usually these regional carriers only sell coverage through independent insurance agents.