Five Minute Guide to Saving Money on Ford Expedition EL Insurance on the Web

Drivers have many options when trying to find the lowest priced Ford Expedition EL insurance. You can either waste hours driving around to compare prices or utilize the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for your Ford and obtain the cheapest rates from both online companies and local agents.

You need to compare premium rates at least once a year because prices tend to go up over time. Just because you found the lowest rates for Expedition EL insurance last year you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out one of the quickest ways to properly buy coverages while reducing your premium.

Save a ton with discounts

Some insurers don’t necessarily list the entire discount list in a way that’s easy to find, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious ways to save on auto insurance.

• New Car Discount – Putting insurance on a new car can get you a discount since new model year vehicles are generally safer.
• No Accidents – Drivers who don’t have accidents are rewarded with significantly better rates on in comparison with bad drivers.
• Discounts for Good Drivers – Accident-free drivers could pay up to 40% less for Expedition EL insurance compared to rates paid by drivers with frequent claims.
• Own a Home and Save – Just being a homeowner can save a few bucks because it is proof of financial responsibility.
• Switch and Save Discount – A few larger companies allow discounts for renewing your policy prior to the expiration date on your current policy. Ten percent is about the average savings.

As a footnote on discounts, many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So even though you would think you can get free auto insurance, you aren’t that lucky.

Car insurance companies that have these money-saving discounts possibly include:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

Before buying, ask all companies you are considering to give you their best rates. Some discounts may not be available in your area. For a list of auto insurance companies that offer many of these discounts, click this link.

Find Ford Expedition EL Insurance at a Discount

Many things are taken into consideration when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other criteria are not as apparent such as whether you are married or your commute time. It’s important that you understand a few of the rating criteria that are used to determine the price you pay for auto insurance. When consumers understand what determines premiums, this enables you to make decisions that can help you get cheaper rates.

• Cut rates and deter theft – Choosing to buy a car with a theft deterrent system can save you some money. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
• Protect yourself with liability coverage – Your policy’s liability coverage kicks in when you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Never go without auto insurance – Having a gap between insurance policy dates is a quick way to increase your rates. Not only will you pay more, getting caught without coverage could result in a steep fine or even jail time. You will then be forced to file a SR-22 with your state DMV.
• Fast cars cost more to insure – The performance of the car you are trying to find cheaper insurance for makes a substantial difference in how high your rates are. The lowest base rates are for economy passenger vehicles, but the cost you end up paying is determined by many additional factors. Since the Ford Expedition EL is classified as a standard SUV, rates will be slighty more as compared to the average rate.
• Rates and vocation – Did you know your occupation can influence how much you pay for auto insurance? Occupational choices like military generals, social workers and stock brokers generally have higher average rates in part from high stress and incredibly demanding work hours. On the other hand, jobs such as actors, students and retirees have the lowest average rates for Expedition EL insurance.
• Big cities have higher prices – Choosing to live in a rural area has it’s advantages when insuring your vehicles. Urban drivers regularly have more road rage incidents and more time behind the wheel. Less people living in that area translates into fewer accidents.
• Youthful drivers are expensive to insure – Drivers with little experience are statistically proven to be careless and easily distracted when driving with friends so they pay higher auto insurance rates. Adding a youthful driver onto a policy can increase premiums substantially. Older, more experienced drivers are more responsible, statistically cause fewer accidents and are safer drivers.

Cheaper auto insurance is a realistic goal

Cost effective Ford Expedition EL insurance is available online as well as from insurance agents, so get from both of them to get a complete price analysis. Some insurance companies don’t offer online rate quotes and most of the time these smaller providers only sell coverage through independent agents.

People switch companies for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, delays in paying claims or even policy non-renewal. No matter why you want to switch, finding a great new company is easier than you think.

In this article, we presented some good ideas how you can lower your Ford Expedition EL insurance premium rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from the least-expected company.