Are you researching the cheapest Ford Expedition insurance in Chula Vista? Are you drained from paying out the nose to make your car insurance payment? You are no different than the majority of other consumers in California.
Unfortunately, most car insurance policyholders renewed their policy with the same company for well over three years, and 38% of customers have never even compared rates from other companies. Chula Vista drivers could save an average of $469 each year just by shopping around, but they feel it’s too difficult to compare rate quotes. Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the cheapest price on Ford Expedition insurance in Chula Vista.
It’s a great practice to quote other rates once or twice a year since insurance rates are constantly changing. Just because you found the best premium rates on Ford Expedition insurance in Chula Vista a couple years back a different company probably has better prices today. Block out anything you think you know about car insurance because you’re about to learn how to quote online to eliminate unnecessary coverages and save money on Ford Expedition insurance in Chula Vista.
If you’re already insured or just want a better rate, you will benefit by learning to cut your premiums and still have adequate protection. Locating the most cost-effective insurance policy in Chula Vista is actually quite simple. Drivers just have to know the least time-consuming way to get comparison rates online.
Decisions You Make Can Impact Your Insurance Costs
Many factors are part of the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, although others are not quite as obvious like where you live and annual miles driven. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine your policy premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that can earn you lower car insurance prices.
Physical damage deductibles – Your deductibles state the amount of money you are required to pay before a claim is paid by your company. Protection for physical damage, aka comp and collision, insures against damage to your car. A few examples of covered claims are colliding with a stationary object, hail damage, and damage from wind. The higher the amount you have to pay, the lower your rates will be.
High credit scores save money – Your credit rating can be a huge factor in determining premium rates. So if your credit rating can use some improvement, you could save money insuring your Ford Expedition if you clean up your credit. Drivers with excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
Location can modify price – Residing in small towns and rural areas has it’s advantages if you are looking for the lowest rates. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims. People in densely populated areas have to deal with traffic congestion and a longer drive to work. More time commuting means higher likelihood of an accident.
Premiums are high for teenagers – Older people are viewed as being more responsible, cost insurance companies less in claims, and are safer drivers. Drivers with little experience have been known to get distracted easily with other occupants in the car and because of this, their car insurance rates are much higher.
The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Vehicles with better crash test results save money – Vehicles that have high safety ratings can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies and lower rates for you. If your Ford Expedition scored at minimum four stars on Safercar.gov you are probably receiving a discount.
Ford Expedition claim data – Insurers analyze claim trends for every vehicle when setting premium rates. Vehicles that the data shows to have a trend towards higher claim severity or frequency will have higher rates. The information below illustrates the actual insurance loss data for Ford Expedition vehicles.
For each policy coverage type, the statistical loss for all vehicles, regardless of make or model, is equal to 100. Percentage values below 100 represent a good loss history, while values that are above 100 point to more claims or an increased chance of larger losses than average.
|Specific Ford Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Expedition 4dr 2WD||67||88||82||55||45||70|
|Ford Expedition 4dr 4WD||70||98||90||54||62||56|
|Ford Expedition EL 4dr 2WD||74||104||97||52|
|Ford Expedition EL 4dr 4WD||88||96||110||63||60||96|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Ford Expedition insurance coverage information
The premium information displayed next highlights detailed analysis of insurance prices for Ford Expedition models. Knowing how car insurance premiums are established can help you make smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Expedition SSV 2WD||$182||$306||$424||$26||$128||$1,066||$89|
|Expedition XLT 2WD||$204||$372||$424||$26||$128||$1,154||$96|
|Expedition SSV 4WD||$204||$372||$424||$26||$128||$1,154||$96|
|Expedition XLT 4WD||$204||$372||$424||$26||$128||$1,154||$96|
|Expedition Eddie Bauer 2WD||$204||$440||$424||$26||$128||$1,222||$102|
|Expedition Limited 2WD||$204||$440||$424||$26||$128||$1,222||$102|
|Expedition Eddie Bauer 4WD||$204||$440||$424||$26||$128||$1,222||$102|
|Expedition King Ranch 4WD||$228||$440||$424||$26||$128||$1,246||$104|
|Expedition King Ranch 2WD||$228||$440||$424||$26||$128||$1,246||$104|
|Expedition Limited 4WD||$228||$440||$424||$26||$128||$1,246||$104|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in garaging location in Chula Vista which can influence premiums noticeably.
Should you buy full coverage?
The example below shows the comparison of Ford Expedition insurance rates with full physical damage coverage and with liability coverage only. The premiums are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no clear-cut formula of when to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s pretend your Ford Expedition replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after paying your deductible. If you are paying in excess of $400 a year for full coverage, then you may need to consider dropping full coverage.
There are some scenarios where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Slash rates with these discounts on Ford Expedition insurance in Chula Vista
Car insurance companies don’t necessarily list every policy discount very clearly, so below is a list some of the more common and the more hidden ways to save on auto insurance.
- Student in College – Older children who are enrolled in a college that is more than 100 miles from Chula Vista and leave their car at home could get you a discount.
- Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the medical payments premium.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars on a single policy can reduce the rates for all insured vehicles.
- New Vehicle Savings – Buying a new car instead of a used Expedition can save you some money because newer vehicles keep occupants safer.
- Passive Restraint Discount – Factory options such as air bags or automatic seat belts could see savings of 20% or more.
- Military Deployment Discount – Being on active duty in the military may lower your prices slightly.
- Chula Vista Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
Keep in mind that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.
The information below illustrates the difference between Ford Expedition premium costs with and without some available policy discounts. The costs are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, safe-driver, and marriage discounts applied.
Companies who may offer some of the discounts shown above may include but are not limited to:
Before buying, ask all the companies which credits you are entitled to. Savings may not be offered in every state.
More effort can pay off
When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. Too many times, consumers will sacrifice collision coverage to discover at claim time that they should have had better coverage. The aim is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.
We just showed you a lot of techniques to reduce Ford Expedition insurance car insurance rates online in Chula Vista. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Ford Expedition insurance quotes. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. They can often provide lower premium rates in certain areas compared to the large companies like Progressive or GEICO.
Some auto insurance companies may not offer online price quotes and most of the time these small, regional companies work with local independent agencies. The cheapest Ford Expedition insurance in Chula Vista can be purchased on the web as well as from independent agents in Chula Vista, so you need to compare both so you have a total pricing picture.
How to save on Ford Expedition insurance in Chula Vista
It takes a few minutes, but the best way to save money on car insurance rates is to compare prices annually from providers who can sell car insurance in Chula Vista. This can be done by following these steps.
- Step 1: Take a few minutes and learn about what is in your policy and the things you can change to drop your rates. Many risk factors that are responsible for high rates like at-fault accidents, speeding tickets, and a negative credit score can be amended by making minor changes to your lifestyle.
- Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for many different companies.
- Step 3: Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.
One tip to remember is that you use the same deductibles and limits on every price quote and and to get rates from every insurance company. Doing this ensures an accurate price comparison and maximum price selection.
Much more information about auto insurance in California can be read below:
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Which Company has the Cheapest Car Insurance in Chula Vista, CA? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)
- Event Data Recorders FAQ (iihs.org)