Cheaper 2000 Ford Excursion Insurance Quotes

Confused by the dozens of auto insurance choices? Lot’s of other consumers are too. There are so many companies to choose from that it can be a ton of work to find the lowest price.

Compare Insurance Coverage Costs

To find the best insurance coverage prices, there are several ways to compare rate quotes from insurance coverage companies in your area. By far the easiest way to find the lowest 2000 Ford Excursion rates involves getting comparison quotes online. This is very easy and can be done in several different ways.

  1. One of the simplest ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for a different quote for each company you want a rate for. Just one form will return quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A harder way to compare prices requires you to visit the website for each individual company to request a price quote. For instance, let’s assume you want to compare rates from Progressive, Safeco and GMAC. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method of getting rate comparisons is to spend your day driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance that only a license agent can provide. You can, however, get prices online and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits and deductibles with every price quote. If your comparisons have different deductibles it will be very difficult to determine the lowest rate for your Ford Excursion. Just a small difference in coverages may result in large price differences. Just remember that more quotes will enable you to find the best rates.

Take advantage of discounts

Companies that sell car insurance don’t always list every discount in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known auto insurance savings.

  • Homeowners Pay Less – Owning a home may trigger a auto insurance policy discount because owning a home requires personal responsibility.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Claim Free – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.

It’s important to understand that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurance companies with the best auto insurance discounts, click here.

Ford Excursion insurance rates consist of many parts

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces that factor into rates.

  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Don’t skimp on liability – The liability section of your policy is the protection in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense coverage starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Extra add-on coverages are wasting money – There are a ton of extra coverages that you can buy if you aren’t careful. Insurance for personal injury protection, towing coverage and term life insurance are examples of these. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Where you reside plays a part – Being located in a rural area is a positive aspect when it comes to auto insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. More time on the road translates into higher accident risk.
  • Your job and insurance rates – Careers like real estate brokers, executives and stock brokers have the highest rates because of stressful work requirements and long work hours. On the other hand, jobs such as scientists, students and retirees get better rates on Excursion coverage.

How to know if you need help

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different.

For example, these questions could help you determine if you might need professional guidance.

  • Do I need motorclub coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my car insurance cover rental cars?
  • Does my 2000 Ford Excursion qualify for pleasure use?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Don’t believe everything you hear

Car insurance providers like Allstate, Geico and Progressive regularly use ads in print and on television. They all make the same claim about savings if you move to their company. How do they all make the same claim?

Different companies have a preferred profile for the driver that earns them a profit. For instance, a preferred risk might be between 30 and 50, owns a home, and drives newer vehicles. A propective insured who fits that profile receives the best rates and most likely will cut their rates substantially.

Potential insureds who fall outside these standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently make those claims. Because of the profiling, you should get quotes from several different companies. It’s not possible to predict the company that will give you the biggest savings on Ford Excursion insurance.

Insurance coverage specifics

Knowing the specifics of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, vandalism, rock chips in glass, a broken windshield and damage from flooding. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to a person or their property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as funeral expenses, emergency aid, repair bills for other people’s vehicles, structural damage and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Excursion.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses for things like funeral costs, EMT expenses and chiropractic care. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Get your money’s worth

Consumers switch companies for a number of reasons such as delays in paying claims, unfair underwriting practices, high rates after DUI convictions or even policy cancellation. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Lower-priced 2000 Ford Excursion insurance is attainable on the web and also from your neighborhood agents, so compare prices from both to have the best rate selection. A few companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

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