2004 Ford Excursion Insurance Rates – 5 Tips for Cheaper Quotes

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are many people just like you. Many insurers compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

Comprehensive Car Insurance Comparison Quotes

Finding cheaper 2004 Ford Excursion car insurance prices is a fairly straight forward process. All you need to do is spend a few minutes to get quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form eliminates the need for separate quote forms for each company you want a rate for. Completing one form gets rate comparisons from several companies.
A harder way to get quotes online is spending the time to visit each company website to request a price quote. For example, let’s say you want to compare rates from State Farm, Liberty Mutual and Allstate. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
The least recommended way of getting rate comparisons is driving to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you want the personal advice of a licensed agent. Drivers can get the lowest quotes online but still have the advice of a local agent. We’ll cover that shortly.

Which method you use is up to you, but ensure you’re using the exact same coverages for each price quote. If you use higher or lower deductibles you will not be able to make an equal comparison.

Don’t miss these five discounts

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. Some trigger automatically when you quote, but a few must be requested specifically prior to receiving the credit. If you aren’t receiving every discount possible, you are throwing money away.

Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Multiple Policy Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.
Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
Resident Student – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.

It’s important to understand that most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will cut the cost of coverage.

Car insurance companies that possibly offer these discounts include:

Before buying, ask all companies you are considering how you can save money. Savings might not be offered everywhere.

When might I need help?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

Is my camper covered by my car insurance policy?
Do I have coverage if my license is suspended?
Do I benefit by insuring my home with the same company?
When should I buy a commercial auto policy?
Should I buy only the required minimum liability coverage?
Do I need higher collision deductibles?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your auto insurance policy

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as pain medications, nursing services, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2004 Ford Excursion.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a bird and falling objects. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

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

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, legal defense fees and attorney fees. How much coverage you buy is up to you, but consider buying higher limits if possible.