Ford Expedition Insurance Quotes in Irvine

It takes a little time, but the best way to get low-cost Ford Expedition insurance in Irvine is to compare quotes once a year from different companies in California. This can be done by following these steps.

• Step 1: Gain an understanding of how auto insurance works and the measures you can control to keep rates down. Many risk factors that cause rate increases such as traffic citations and a poor credit score can be amended by making minor changes in your lifestyle. This article provides additional ideas to help keep prices low and get additional discounts.
• Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can quote rates from multiple companies.
• Step 3: Compare the price quotes to your current policy to determine if switching companies saves money. If you can save some money and change companies, make sure there is no coverage gap between policies.
• Step 4: Notify your company or agent of your decision to cancel the current policy. Submit payment and a signed application to your new carrier. As soon as you can, store the proof of insurance paperwork with your vehicle’s registration.

An important part of this process is to use identical limits and deductibles on every quote and and to compare as many companies as possible. Doing this enables an apples-to-apples comparison and maximum price selection.

Anyone knows that auto insurance companies don’t want you shop around. Insureds who rate shop once a year are inclined to move their business because they stand a good chance of getting low-cost coverage. A recent insurance study discovered that drivers who regularly compared rates saved over $3,500 over four years as compared to drivers who never compared prices.

If finding low prices for Ford Expedition insurance is your ultimate target, then having some insight into how to get free comparison quotes and analyze car insurance can help make the process easier.

Getting a low cost price on Ford Expedition insurance is not rocket science. The only requirement is to take time to compare rate quotes to find out which insurance company has low cost Irvine car insurance quotes.

The companies shown below are our best choices to provide free quotes in Irvine, CA. If you wish to find the best car insurance in CA, it’s highly recommended you click on several of them to find the most competitive auto insurance rates.

Lower rate quotes with these seven discounts

Car insurance companies don’t list every discount very clearly, so the following is a list of some of the best known and also the lesser-known credits available to lower your premiums when you buy Irvine car insurance online.

• Theft Prevention System – Cars and trucks with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Active Service Discounts – Being deployed in the military can result in better rates.
• Multi-line Discount – Larger companies have a lower price if you buy life insurance.
• Own a Home – Being a homeowner can get you a discount because maintaining a house demonstrates responsibility.
• Driver Education Discount – Have your child successfully take a driver’s education course as it can save substantially.
• Accident Forgiveness – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will allow you to have one accident without getting socked with a rate hike if you have no claims for a certain period of time.
• Early Switch Discount – A few car insurance companies allow discounts for switching to them before your current coverage expires. You could save around 10% when you buy Irvine car insurance online.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, car insurance companies aren’t that generous. Any qualifying discounts will help lower your policy cost.

The diagram below illustrates the comparison of Ford Expedition annual premium costs with and without some available policy discounts. The premium estimates are based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, claim-free, homeowner, and multi-policy discounts applied.

If you would like to view providers that offer discounts in Irvine, click here to view.

Ford Expedition insurance analysis

The rate information shown next covers detailed analysis of prices for Ford Expedition models. Having a good grasp of how rates are established can help you make informed decisions.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can raise or lower auto insurance rates significantly.

Physical damage deductible comparison

When buying insurance, a common question is how high or low should comp and collision deductibles be. The comparison tables below may help to conceptualize the costs and benefits when you select higher and lower insurance deductibles. The first data table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific zip code location which can change premium rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $19 more each month or $228 each year averaged for all Expedition models than buying the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 13 months between claim filings, you would most likely save money if you decide on a higher deductible.

The example below highlights how deductible selection and can increase or decrease Ford Expedition insurance rates for different insured age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Gender-based insurance rates by age in Irvine

The chart below shows the difference between Ford Expedition insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, comp and collision included, $250 deductibles, single status, and no discounts are factored in.

Full coverage versus liability only rates

The information below illustrates the comparison of Ford Expedition insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

When to drop full coverage

There is no set guideline to delete full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Ford Expedition replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are currently paying more than $400 a year for full coverage, then you might consider buying liability only.

There are some cases where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Local Irvine car insurance agents and insurance

Many people still prefer to talk to a local agent and that can be a great decision Good agents can help determine the best coverages and help you file claims. One of the best bonuses of comparing rates online is that you can find the best rates and still buy from a local agent. Putting coverage with neighborhood insurance agencies is definitely important in Irvine.

By using this form (opens in new window), the coverage information is sent to agents in your area who will return price quotes for your coverage. You won’t even need to find an agent on your own since price quotes are sent to you instantly. If you need to compare rates from a particular provider, feel free to search and find their rate quote page and fill out the quote form the provide.

Finding the right insurer is decision based upon more than just the quoted price. The answers to these questions are important, too.

• Are there any discounts that you might be missing?
• How much experience to they have in personal lines coverages?
• Can glass claims be handled at your home?
• Are there any discounts for paying up front?
• Will a damage claim use OEM or aftermarket replacement parts?
• Are they properly licensed to sell insurance in California?

Auto insurance policy specifics

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford Expedition.

Due to the fact that many California drivers have only the minimum liability required by law (California limits are 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Auto liability insurance

This coverage will cover damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like medical expenses, attorney fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible. California requires minimum liability limits of 15/30/5 but it’s recommended drivers buy higher limits.

The illustration below shows why the minimum limit may not be enough.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, hail damage and damage from flooding. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance covers damage to your Expedition caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, sustaining damage from a pot hole, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible on your Expedition in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like dental work, pain medications, hospital visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

One last note

Budget-conscious Ford Expedition insurance is attainable on the web in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some companies do not offer rates over the internet and many times these smaller companies provide coverage only through independent agents.

We’ve covered a lot of tips how to lower your Ford Expedition insurance prices in Irvine. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a small mutual company.

Drivers who switch companies do it for many reasons like unfair underwriting practices, denial of a claim, policy non-renewal or even extreme rates for teen drivers. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

Helpful learning opportunities

• Think You’re a Safe Driver? (State Farm)
• How Much are Irvine Car Insurance Quotes for a Toyota Tacoma? (FAQ)
• Who Has Affordable Irvine Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
• Who Has Cheap Auto Insurance for a Toyota Camry in Irvine? (FAQ)
• Who Has Affordable Auto Insurance for Teenage Females in Irvine? (FAQ)
• Understanding Car Crashes Video (iihs.org)
• Determining Auto Insurance Rates (GEICO)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Understanding Your Insurance Deductible (Insurance Information Institute)