2002 Ford Excursion Car Insurance Rates – 10 Tips to Save

Have you had enough of trying to scrape together enough money to buy car insurance? Your situation is no different than the majority of other car owners.

Consumers have many insurance companies to purchase coverage from, and even though it’s nice to have a choice, it can be more challenging to locate the cheapest rates.

You should make it a habit to do rate comparisons periodically due to the fact that insurance rates change frequently. Despite the fact that you may have had the best price on Excursion coverage on your last policy a different company probably has better rates today. Starting right now, forget all the misinformation about insurance coverage because you’re going to learn the quickest way to reduce your cost while increasing coverage.

Buying affordable insurance coverage is simple if you know the tricks. Just about anyone who is shopping for insurance coverage most likely will be able to cut their insurance bill. But drivers can benefit by having an understanding of the methods companies use to sell online and apply this information to your search.

The most recommended method to get policy rate comparisons is to know the trick most of the larger companies actually pay money for the chance to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details including daily mileage, if you have an active license, if the car is leased, and your job. That information is instantly sent to multiple companies and they provide comparison quotes with very little delay.

To find the cheapest Ford Excursion insurance rates, click here and enter your zip code.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Some trigger automatically when you get a quote, but some must be specifically requested before they will apply.

Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
Auto/Home Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
Defensive Driver – Taking part in a defensive driving course can save you 5% or more depending on where you live.
Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
One Accident Forgiven – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
55 and Retired – If you’re over the age of 55, you may be able to get reduced rates on Excursion coverage.
Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
Own a Home – Owning a home can save you money because owning a home requires personal responsibility.
Federal Employees – Simply working for the federal government can save as much as 8% on Excursion coverage with certain companies.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce your premiums.

For a list of insurers with discount insurance rates, click here.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

What is roadside assistance coverage?
Do I need PIP coverage since I have good health insurance?
What is high-risk coverage and where do I buy it?
Is my cargo covered for damage or theft?
Can I get a multi-policy discount?
Is my custom paint covered by insurance?
Do I pay less for low miles?
Is business property covered if stolen from my car?
What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Liability

This can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, legal defense fees, pain and suffering and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, falling objects, hitting a deer, damage from flooding and a broken windshield. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

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

Collision insurance covers things such as crashing into a ditch, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like chiropractic care, funeral costs, dental work and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage