10 Shopping Tips Guaranteed to Lower Ford Expedition Max Auto Insurance Premiums

Finding low-cost insurance for a Ford Expedition Max can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates for a Ford and obtain the cheapest rates.

If you have car insurance now, you will be able to cut costs considerably using these tips. Pricing the best protection is easy if you know what you’re doing. Nevertheless, vehicle owners do need to know the way insurance companies sell insurance online and take advantage of how the system works.

Verify you’re getting all your discounts

Companies don’t necessarily list every available discount very clearly, so we researched some of the more common and also the lesser-known savings tricks you should be using.

Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
Paperwork-free – Certain companies give back up to $50 for buying your policy digitally online.
Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
Passive Restraint Discount – Factory air bags may earn rate discounts of up to 25% or more.
Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance.
Senior Discount – Mature drivers may be able to get better auto insurance rates on Expedition Max insurance.

Consumers should know that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

But I don’t know anything about car insurance

When it comes to choosing coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

Is rental equipment covered for theft or damage?
What can I do if my company denied a claim?
Will my vehicle be repaired with OEM or aftermarket parts?
Am I covered when using my vehicle for business?
Which companies will insure high-risk drivers?
Can I still get insurance after a DUI?
How much liability do I need to cover my assets?
When would I need rental car insurance?
Does my Ford Expedition Max qualify for pleasure use?
Will my rates increase for filing one claim?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Buying auto insurance from a local agent

A small number of people would rather visit with an insurance agent and that is OK! The best thing about comparing insurance prices online is the fact that you can find better rates and still have an agent to talk to.

After completing this form (opens in new window), your insurance data is submitted to local insurance agents who will give you bids for your business. You never need to visit any agencies since price quotes are sent to the email address you provide. Get lower rates AND an agent nearby.

Selecting an insurer should depend on more than just a cheap price. Any agent should have no problem answering these questions:

How much can you save by raising your physical damage deductibles?
If your car is in the repair shop, do you have coverage for a rental car?
Are they properly licensed to sell insurance in your state?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Do they regularly work with personal auto policies?
Are claims handled at the agent’s location?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Can they give you a list of client referrals?

Is a captive or independent insurance agency right for you?

If you’re trying to find a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. agents can either be independent (non-captive) or captive.

Captive Insurance Agents

Captive insurance agents can only write with one company such as Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. These agents receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes buy from captive agents primarily because of the prominence of the brand and solid financial strength. free insurance quote

Independent Agents

These agents are not locked into one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, you should always get quotes from at a minimum one independent agency to get the best comparison.Many can place coverage with smaller companies who may have lower rates.

For a complete listing of auto insurance agents, click here.

Once you have received good answers to your questions as well as a affordable price, chances are good that you have found an insurance agency that meets your needs to properly service your auto insurance policy. But remember, consumers can cancel a policy at any time so never assume that you’re stuck with any particular company for the entire policy term.

Ads can be misleading

Companies like 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads make the same claim that you can save if you switch to their company. How can each company claim to save you money?

All companies have a certain “appetite” for the type of driver that is profitable for them. An example of a preferred risk might be profiled as between 25 and 40, is a homeowner, and has a high credit rating. Any driver who fits that profile receives the best rates and as a result will probably save when they switch companies.

Consumers who don’t qualify for this ideal profile must pay more money which leads to the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently claim big savings. This illustrates why you absolutely need to compare many company’s rates. It is impossible to predict the company that will give you the biggest savings.

Detailed coverages of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, damage from getting keyed, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – This coverage can cover injuries or damage you cause to other people or property by causing an accident. 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 values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, pain and suffering, attorney fees and medical services. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Expedition Max.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, crashing into a building, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as hospital visits, dental work and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Do the work, save more money

We just showed you many ideas to compare Ford Expedition Max insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest premiums are with a small mutual company.

Drivers switch companies for any number of reasons including delays in paying claims, unfair underwriting practices, lack of trust in their agent and policy non-renewal. No matter why you want to switch, finding the right auto insurance provider is less work than it seems.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone dropped full coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.