Best Quotes for Ford Expedition Insurance in Philadelphia

Are you overwhelmed by the wide range of insurance sources that you can choose from? Lot’s of other drivers are too. There are so many sources to choose from that it can really be a big hassle to find better insurance rates for Ford Expedition insurance in Philadelphia. If you’ve ever been there, you know that Philadelphia is a wonderful place to live, but trying to pay high insurance rates can make it hard to pay other bills every month.

A recent study showed that most drivers have stayed with the same insurance company for at least four years, and almost 40% of drivers have never compared rates to find lower-cost insurance. Philadelphia drivers can save approximately 55% each year, but they don’t know the big savings they would realize if they swap their current policy for a cheaper one.

You should take the time to do rate comparisons yearly since insurance prices change regularly. Even if you got the best deal on Ford Expedition insurance in Philadelphia at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about insurance because you’re going to get a crash course in how to use online quotes to save on insurance.

All major car insurance companies such as State Farm and Allstate provide prices for coverage directly from their websites. Getting online quotes for Ford Expedition insurance in Philadelphia doesn’t take a lot of time as you simply enter your required coverages on the page. Once entered, the system collects credit information and your driving record and generates pricing information based on many factors.

This helps simplify price comparisons, and it’s necessary to perform this step if you are searching for a lower rate.

In order to find out how much you’re overpaying now, compare quotes from the companies shown below. If you have a policy now, it’s recommended you replicate the coverages identical to your current policy. This helps ensure you will have an apples-to-apples comparison for exact coverage.

The companies shown below have been selected to offer price quotes in Philadelphia, PA. If multiple companies are listed, it’s a good idea that you visit as many as you can in order to find the most affordable rates.

Insurance analysis for a Ford Expedition

The coverage table shown next outlines a range of insurance prices for Ford Expedition models. Having a good understanding how insurance rates are determined can assist in making decisions on the best policy coverages.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can impact auto insurance rates noticeably.

Choosing deductibles

A question often asked by Philadelphia drivers is how high should the physical damage deductibles be. The rates shown below approximate the differences in price between low and high coverage deductibles. The first table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific location which can decrease or increase prices substantially.

Based on these figures, using a $250 deductible will cost you approximately $26 more each month or $312 annually averaged for all Expedition models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 29 months between claim filings, you would more than likely save some money if you choose a higher deductible.

The illustration below demonstrates how choosing different deductibles and can increase or decrease Ford Expedition insurance costs for each different age group. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Full coverage or liability only

The illustration below shows the comparison of Ford Expedition insurance prices when comparing full coverage to liability only. The costs are based on no violations or claims, $250 deductibles, single status, and no other discounts are factored in.

Guidelines for dropping full coverage

There isn’t a steadfast formula for eliminating comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Ford Expedition replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are currently paying more than $600 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Ford Expedition insurance discounts in Philadelphia

The price of auto insurance can be rather high, but you may be missing some discounts that may help make it more affordable. Certain discounts will be applied at quote time, but a few need to be manually applied in order for you to get them.

• Low Mileage – Fewer annual miles on your Ford can earn lower auto insurance rates on the low mileage vehicles.
• Braking Control Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• More Vehicles More Savings – Drivers who insure all your vehicles on one policy can get a discount for every vehicle.
• Discount for Passive Restraints – Factory options such as air bags can qualify for discounts of 20% or more.
• Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% because new model year vehicles are generally safer.
• Senior Citizens – Seniors could receive lower premium rates.
• Memberships – Being in a qualifying organization is a good way to get lower rates when getting a Philadelphia car insurance quote.
• Claim Free – Claim-free drivers can save substantially when compared with accident-prone drivers.
• Smart Student Discounts – Excelling in school may save as much as 25% on a Philadelphia car insurance quote. This discount can apply until age 25.

Don’t be shocked that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The example below visualizes the comparison of Ford Expedition insurance prices with and without discounts applied to the policy premium. The data is based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-policy, multi-car, and safe-driver discounts applied.

Insurance companies that possibly offer some of the above discounts may include but are not limited to:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

If you need lower rates, check with each company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your area. If you would like to view insurers with the best Ford Expedition insurance discounts in Philadelphia, click this link.

Choosing Expedition insurance is an important decision

Despite the fact that auto insurance is not cheap in Philadelphia, insuring your vehicle is required by state law in Pennsylvania and it also provides benefits you may not be aware of.

• Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability protection in order to license the vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your Expedition with a loan, most banks will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Ford at a much higher rate and force you to pay the higher premium.
• Auto insurance protects both your Ford and your personal assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.

The benefits of having auto insurance definitely exceed the price paid, especially when you need to use it. As of last year, the average driver in Pennsylvania is overpaying more than $750 every year so compare rate quotes at every renewal to ensure rates are inline.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

• When should I buy a commercial auto policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• How much liability coverage do I need in Pennsylvania?
• Should I file a claim if it’s only slightly more than my deductible?
• At what point should I drop full coverage?
• Who does medical payments coverage extend to?
• Is my babysitter covered when using my vehicle?
• Am I covered when using my vehicle for business?
• What discounts do I qualify for?
• Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance agencies can help

Many drivers still like to buy from a licensed agent and that is recommended in a lot of cases A good thing about comparing rate quotes online is that you can obtain cheap rate quotes and still choose a local agent.

After filling out this form (opens in new window), the quote information is emailed to local insurance agents who can give free rate quotes for your business. It simplifies rate comparisons since you won’t have to visit any agencies since price quotes are sent to you instantly. It’s the lowest rates and a licensed agent to work with. If you have a need to compare rates from a specific insurance company, feel free to find their quoting web page and complete a quote there.

Finding the right company requires you to look at more than just the premium amount. A good agent in Philadelphia will have answers to these questions.

• Do they carry Errors and Omissions coverage?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are there any discounts for paying up front?
• What are the financial ratings for the companies they represent?
• Is there a local claims center in Philadelphia?
• If you raise deductibles, how much can you save?
• Where would your vehicle be repaired?

The following are Philadelphia insurance companies that are able to give comparison quotes for Ford Expedition insurance in Philadelphia.

• First Rate Insurance
  7790 Rockwell Ave Suite 1 – Philadelphia, PA 19111 – (215) 725-6700 – View Map
• Juniata Ins Agency
  1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701 – View Map
• Wanda Dancy – State Farm Insurance Agent
  2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390 – View Map
• Pamela R Wilkins – State Farm Insurance Agent
  8912 Frankford Ave – Philadelphia, PA 19136 – (215) 331-4500 – View Map

More Philadelphia agents