2003 Ford Excursion Car Insurance Cost – 7 Tips to Save

Trying to find lower car insurance rates for your Ford Excursion? Feel like you’re a prisoner to overpriced car insurance? Believe me when I say there are lots of people in the same boat.

Lots of insurance companies contend for your insurance dollar, so it’s not easy to compare every provider and get the best coverage at the lowest cost out there.

It’s smart to do rate comparisons periodically because rates fluctuate regularly. Even if you got the best rates on Excursion coverage last year other companies may now be cheaper. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use online quotes to find great coverage at a great price.

Compare Insurance Coverage Today

There are multiple methods to compare 2003 Ford Excursion insurance coverage quotes, but some are less time-consuming than others. You can waste hours talking about coverages with agents in your area, or you can utilize the internet for quick rates.

Most car insurance companies participate in an industry program that enables customers to enter their policy data once, and each company then gives them pricing based on that data. This system prevents you from having to do form submissions to each company.

To use this form to compare 2003 Ford Excursion insurance rates click here to open in new window.

The one downside to comparing rates this way is that consumers can’t choose which carriers to get pricing from. If you wish to select specific providers to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using identical coverages on every quote you get. If you are comparing higher or lower deductibles then you won’t be able to determine the lowest rate for your Ford Excursion. Quoting even small variations in coverage limits can make a big difference in price. Just keep in mind that having more price comparisons will enable you to find the best offered rates.

How to reduce Ford Excursion insurance rates

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but less common discounts must be requested specifically before you will receive the discount.

  • Accident Free – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Excursion coverage with certain companies.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Sign Online – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will bring down the amount you have to pay.

Insurance companies that may have these benefits include:

It’s a good idea to ask each company how you can save money. Some discounts might not apply in your area.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • What is UM/UIM insurance?
  • How does medical payments coverage work?
  • When should I remove comp and collision on my 2003 Ford Excursion?
  • Should I sign the liability waiver when renting a car?
  • Is my Ford Excursion covered if I use it for business?
  • Should I buy more coverage than the required minimum liability coverage?

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, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage ads bend the truth

Insurance coverage providers like Allstate, Geico and Progressive continually stream ads on television and other media. They all say the same thing that you’ll save big after switching your coverage to them. How can each company make almost identical claims?

Insurance companies are able to cherry pick for the driver that makes them money. A good example of a profitable customer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t measure up to the “perfect” profile will be quoted a more expensive rate which leads to business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That’s why companies can advertise the savings.

This emphasizes why you absolutely need to get as many quotes as possible. It’s not possible to predict which insurance coverage company will fit your personal profile best.

Auto insurance 101

Learning about specific coverages of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Excursion.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage covers damage to your Excursion resulting from a collision 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 protects against things like damaging your car on a curb, colliding with a tree, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

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 limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects, medical expenses and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane, fire damage and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, funeral costs and pain medications. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

More comparisons equals lower rates

Throughout this article, we presented some good ideas how to save on 2003 Ford Excursion insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may discover the best prices are with a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Geico and State Farm.

When you buy insurance online, never buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at a price you can afford.

More detailed auto insurance information can be read in the articles below: