Affordable Ford Expedition Insurance in Plano

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Inconceivable but true, nearly 70% of drivers have bought car insurance from the same company for well over three years, and approximately 40% of consumers have never taken the time to shop around. Texas drivers can save almost 70% each year, but they don't want to take the time to shop their coverage around.

Insurance rates Ford Expedition in PlanoThe easiest way to find more affordable Ford Expedition insurance is to start comparing prices yearly from companies in Plano.

First, try to understand what coverages are included in your policy and the things you can control to lower rates. Many factors that result in higher rates like high-risk driving behaviors and your credit history can be amended by making minor driving habit or lifestyle changes. Continue reading for more ideas to help find cheaper rates and get additional discounts that may have been overlooked.

Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of companies.

Third, compare the price quotes to your current policy premium to determine if you can save on Expedition insurance. If you can save money, make sure coverage is continuous and does not lapse.

One bit of advice is to use identical deductibles and limits on every quote and to quote with as many companies as possible. This enables a level playing field and maximum price selection.

If you already have coverage or are just looking to switch companies, take advantage of these tips to reduce premiums and still have adequate protection. The goal of this article is to introduce you to how to compare rates easily. Smart shoppers just have to use the least time-consuming way to compare rate quotes using one simple form.

Cutting your Plano auto insurance rates is an easy way to save money. Just take the time comparing rate quotes provided by online insurance companies.

The companies shown below are our best choices to provide price comparisons in Plano, TX. To buy the best car insurance in Plano, we suggest you compare several of them to get the cheapest price.

Get cheaper rates on Ford Expedition insurance in Plano with these auto insurance discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts that many people don't even know exist. Many of these discounts will be applied automatically when you quote, but a few need to be asked for prior to getting the savings. If you do not check that you are getting every discount possible, you're just leaving money on the table.Cheaper auto insurance with discounts

  • Good Student - A discount for being a good student may save you up to 25%. The good student discount can last up until you turn 25.
  • Early Renewal Discounts - A few companies give discounts for switching to them prior to the expiration date on your current Expedition insurance policy. This can save 10% or more.
  • Early Payment Discounts - If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.
  • Theft Deterrent System - Cars and trucks that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • ABS Brakes - Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more on Expedition insurance in Plano.
  • Low Mileage Discounts - Driving fewer miles may allow you to get better prices on cars that stay parked.
  • Memberships - Joining qualifying employment or professional organizations could trigger savings on auto insurance.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, it just doesn't work that way.

The information below compares Ford Expedition car insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.

Popular auto insurance companies and some of the discounts are shown below.

  • State Farm includes discounts for good student, driver's education, safe vehicle, anti-theft, and student away at school.
  • GEICO may include discounts for anti-theft, driver training, good student, daytime running lights, five-year accident-free, and emergency military deployment.
  • Liberty Mutual policyholders can earn discounts including new move discount, newly retired, hybrid vehicle, good student, and new graduate.
  • The Hartford has savings for bundle, air bag, driver training, good student, and vehicle fuel type.
  • MetLife has discounts for claim-free, defensive driver, good student, accident-free, multi-policy, good driver
  • Progressive offers premium reductions for online quote discount, multi-vehicle, homeowner, continuous coverage, online signing, and good student.

Before purchasing a policy, check with all the companies the best way to save money. Some of the discounts discussed earlier may not be available in your state.

Analysis of coverages

The price information displayed next highlights different insurance costs for Ford Expedition models. Having a good grasp of how insurance policy premiums are figured can be of help when making decisions when shopping around.

Ford Expedition Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $282 $476 $340 $20 $102 $1,220 $102
Expedition XLT 2WD $318 $580 $340 $20 $102 $1,360 $113
Expedition SSV 4WD $318 $580 $340 $20 $102 $1,360 $113
Expedition XLT 4WD $318 $580 $340 $20 $102 $1,360 $113
Expedition Eddie Bauer 2WD $318 $684 $340 $20 $102 $1,464 $122
Expedition Limited 2WD $318 $684 $340 $20 $102 $1,464 $122
Expedition Eddie Bauer 4WD $318 $684 $340 $20 $102 $1,464 $122
Expedition King Ranch 4WD $354 $684 $340 $20 $102 $1,500 $125
Expedition King Ranch 2WD $354 $684 $340 $20 $102 $1,500 $125
Expedition Limited 4WD $354 $684 $340 $20 $102 $1,500 $125
Get Your Own Custom Quote Go

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in specific garaging location which can change coverage rates considerably.

Policy deductible comparison

A question often asked by Plano drivers is how low should you set your deductibles. The tables below can help you visualize how much more rates are when you select higher and lower physical damage deductibles. The first price estimate table uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.

Ford Expedition insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $294 $408 $324 $20 $96 $1,167 $97
Expedition XLT 2WD $332 $496 $324 $20 $96 $1,293 $108
Expedition SSV 4WD $332 $496 $324 $20 $96 $1,293 $108
Expedition XLT 4WD $332 $496 $324 $20 $96 $1,293 $108
Expedition Eddie Bauer 2WD $332 $584 $324 $20 $96 $1,381 $115
Expedition Limited 2WD $332 $584 $324 $20 $96 $1,381 $115
Expedition Eddie Bauer 4WD $332 $584 $324 $20 $96 $1,381 $115
Expedition King Ranch 4WD $370 $584 $324 $20 $96 $1,419 $118
Expedition King Ranch 2WD $370 $584 $324 $20 $96 $1,419 $118
Expedition Limited 4WD $370 $584 $324 $20 $96 $1,419 $118
Get Your Own Custom Quote Go
Ford Expedition insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $182 $256 $324 $20 $96 $878 $73
Expedition XLT 2WD $206 $312 $324 $20 $96 $958 $80
Expedition SSV 4WD $206 $312 $324 $20 $96 $958 $80
Expedition XLT 4WD $206 $312 $324 $20 $96 $958 $80
Expedition Eddie Bauer 2WD $206 $368 $324 $20 $96 $1,014 $85
Expedition Limited 2WD $206 $368 $324 $20 $96 $1,014 $85
Expedition Eddie Bauer 4WD $206 $368 $324 $20 $96 $1,014 $85
Expedition King Ranch 4WD $228 $368 $324 $20 $96 $1,036 $86
Expedition King Ranch 2WD $228 $368 $324 $20 $96 $1,036 $86
Expedition Limited 4WD $228 $368 $324 $20 $96 $1,036 $86
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in vehicle location which can lower or raise coverage rates considerably.

Based on the above data, using a $250 deductible would cost the average driver about $29 more each month or $348 a year than selecting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 26 months between claims, you would save money if you opt for a higher deductible.

The illustration below shows how different deductible levels and can change Ford Expedition insurance rates for different age categories. The costs are based on a married female driver, full physical damage coverage, and no discounts are applied.

Why Your Insurance Rates might be higher

An important part of buying insurance is that you know some of the factors that help calculate your policy premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs. Many factors are considered when pricing auto insurance. Some factors are common sense like your driving record, although some other factors are not as apparent like your continuous coverage or your commute time.

  • Do females or males drive better? - Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. Men and women get in accidents in similar percentages, but men have costlier accidents. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.

    The diagram below illustrates the difference between Ford Expedition insurance costs for male and female drivers. Data assumes no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

  • Auto insurance claims cost money - If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance companies in Texas give better rates to people who are not frequent claim filers. Your car insurance is designed for claims that you cannot pay yourself.
  • Your job can affect rates - Careers like military personnel, airline pilots, and dentists have higher premiums than the average policyholder because of job stress and lots of time spent away from family. Conversely, jobs like scientists, historians and retirees pay the least.
  • Get hitched and get better rates - Having a significant other can get you a discount when shopping for auto insurance. Marriage demonstrates that you tend to be more mature than a single person and statistics show married drivers tend to have fewer serious accidents.
  • Rates impacted by vehicle usage - The higher the mileage driven every year the more you'll pay to insure it. Many insurance companies rate vehicles based upon how you use the vehicle. Cars not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Incorrect rating for your Expedition may be wasting your money. It's always a good idea to double check that your auto insurance coverage states the correct driver usage, because improper ratings can cost you money.
  • Insurance losses for a Ford Expedition - Companies use historical loss data to calculate a price that will offset losses. Vehicles that statistically have high amounts or severity of claims will have increased rates. The table below outlines the insurance loss data for Ford Expedition vehicles.

    For each coverage type, the loss probability for all vehicles averaged together is equal to 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate a higher chance of having a claim or statistically larger losses.

    Car Insurance Loss Data for Ford Expedition Models
    Vehicle 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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years