Cheap 2008 Ford Expedition EL Car Insurance Rates

Want the cheapest insurance coverage rates for your Ford Expedition EL? Trying to find the cheapest insurance for a Ford Expedition EL can be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to shop for insurance coverage and you need to know the proper way to price shop coverage for a new or used Ford and get the best price possible either online or from local insurance agents.

It’s important to take a look at other company’s rates before your policy renews because insurance rates change frequently. Despite the fact that you may have had the best price for Expedition EL insurance last year you can probably find a lower rate today. Starting right now, forget all the misinformation about insurance coverage because it’s time to teach you the fastest and easiest way to remove unneeded coverages and save money.

Pricing the lowest cost insurance coverage is quite easy. If you are insured now or need new coverage, you will benefit by learning to get lower rates and still get good coverage. Consumers just need to learn the best way to get comparison rates online.

Best discounts on Ford Expedition EL coverage

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Expedition EL insurance than their less cautious counterparts.
  • No Claims – Claim-free drivers pay less when compared with accident-prone drivers.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Expedition EL insurance.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Multiple Policy Discount – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.

Keep in mind that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free car insurance policy, it just doesn’t work that way. But all discounts will bring down the amount you have to pay.

Companies that may have these discounts include:

Before buying, ask each company how you can save money. Discounts may not be available in every state.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions can aid in determining whether you could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • Where can I get insurance after a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Is pleasure use cheaper than using my 2008 Ford Expedition EL to commute?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I getting all the discounts available?
  • Is my 2008 Ford Expedition EL covered for smoke damage?
  • When should I not file a claim?
  • Can I afford to buy a different vehicle if my 2008 Ford Expedition EL is totaled?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverage

This coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, repair costs for stationary objects, loss of income and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your Expedition EL caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

This 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 coverage protects against claims like theft, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Expedition EL.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, prosthetic devices, surgery, X-ray expenses and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Shop. Compare. Save.

Affordable 2008 Ford Expedition EL insurance is definitely available from both online companies as well as from independent agents, and you should be comparing both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just covered many tips how you can get a better price on insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best price.

Much more information about car insurance can be found on the following sites: