Has it been a year or more since you last compared quotes for lower-priced Ford Expedition insurance in Indianapolis? Finding cheap coverage rates on Ford Expedition insurance in Indianapolis can seem to be quite difficult for drivers not familiar with buying insurance online. With so many insurance companies available, it can easily be a chore to find better prices on Ford Expedition insurance.

Insurance rates Ford Expedition in IndianapolisIt's hard to fathom, but most consumers kept their policy with the same company for at least four years, and approximately 40% of consumers have never compared rates with other companies. With the average premium in Indiana being $1,390, drivers can cut their rates by 55% a year just by getting comparison quotes, but most undervalue the actual amount they would save if they replace their high priced policy.

Best companies for Ford Expedition insurance

The providers in the list below are ready to provide quotes in Indiana. If more than one company is shown, it's a good idea that you visit two to three different companies in order to get a fair rate comparison.

Ford Expedition Insurance Cost Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $176 $242 $238 $14 $72 $742 $62
Expedition XLT 2WD $172 $230 $312 $18 $94 $826 $69
Expedition SSV 4WD $130 $226 $250 $14 $76 $696 $58
Expedition XLT 4WD $238 $358 $244 $14 $72 $926 $77
Expedition Eddie Bauer 2WD $188 $358 $224 $14 $68 $852 $71
Expedition Limited 2WD $234 $504 $250 $14 $76 $1,078 $90
Expedition Eddie Bauer 4WD $188 $358 $224 $14 $68 $852 $71
Expedition King Ranch 4WD $234 $422 $270 $16 $80 $1,022 $85
Expedition King Ranch 2WD $132 $230 $230 $14 $68 $674 $56
Expedition Limited 4WD $164 $266 $244 $14 $72 $760 $63
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can influence prices substantially.

Reckless driving habits raise car insurance rates

The illustration below demonstrates how citations and fender-benders raise Ford Expedition insurance prices for each different age category. The price estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Higher deductibles save money

One of the most common car insurance questions is which comprehensive and collision deductibles to buy. The comparison tables below can help show the rate fluctuation when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Ford Expedition insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $242 $358 $238 $14 $72 $949 $79
Expedition XLT 2WD $272 $436 $238 $14 $72 $1,057 $88
Expedition SSV 4WD $272 $436 $238 $14 $72 $1,057 $88
Expedition XLT 4WD $272 $436 $238 $14 $72 $1,057 $88
Expedition Eddie Bauer 2WD $272 $514 $238 $14 $72 $1,135 $95
Expedition Limited 2WD $272 $514 $238 $14 $72 $1,135 $95
Expedition Eddie Bauer 4WD $272 $514 $238 $14 $72 $1,135 $95
Expedition King Ranch 4WD $304 $514 $238 $14 $72 $1,167 $97
Expedition King Ranch 2WD $304 $514 $238 $14 $72 $1,167 $97
Expedition Limited 4WD $304 $514 $238 $14 $72 $1,167 $97
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Ford Expedition insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $134 $188 $238 $14 $72 $646 $54
Expedition XLT 2WD $152 $230 $238 $14 $72 $706 $59
Expedition SSV 4WD $152 $230 $238 $14 $72 $706 $59
Expedition XLT 4WD $152 $230 $238 $14 $72 $706 $59
Expedition Eddie Bauer 2WD $152 $270 $238 $14 $72 $746 $62
Expedition Limited 2WD $152 $270 $238 $14 $72 $746 $62
Expedition Eddie Bauer 4WD $152 $270 $238 $14 $72 $746 $62
Expedition King Ranch 4WD $168 $270 $238 $14 $72 $762 $64
Expedition King Ranch 2WD $168 $270 $238 $14 $72 $762 $64
Expedition Limited 4WD $168 $270 $238 $14 $72 $762 $64
Get Your Own Custom Quote Go

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

Based on the data above, we can derive that using a $100 deductible will cost you roughly $31 more each month or $372 annually than buying the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 29 months between claim filings, you would probably save some money if you decide on a higher deductible.

These ten discounts can slash Ford Expedition insurance rates

Some companies don't always publicize every policy discount very well, so we break down a few of the more well known in addition to some of the lesser obvious credits that may apply to you.

It's important to note that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like it's possible to get free car insurance, it's just not the way it works.

Popular insurance companies and the discounts they provide include:

Before buying, ask all companies you are considering to give you their best rates. All car insurance discounts may not be offered everywhere. For a list of providers who offer cheap Ford Expedition insurance quotes in Indianapolis, follow this link.

Car insurance is available from your local insurance agencies

A small number of people would prefer to get professional advice from a licensed agent and doing so can bring peace of mind The best thing about comparing insurance prices online is the fact that you can find cheaper prices and still buy from a local agent. Buying from and supporting small agencies is still important in Indianapolis.

Insurance agents in IndianapolisFor easy comparison, once you complete this simple form, your information is submitted to participating agents in Indianapolis who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to visit any agencies because prices are sent to you instantly. You can get cheaper car insurance rates AND a local agent. If you wish to get a price quote from a specific insurance company, you can always navigate to their website and fill out the quote form the provide.

If you want to buy car insurance from a reliable insurance agency, it helps to know the two different types of agents that you can choose from. Car insurance agents in Indianapolis are categorized either independent or exclusive depending on the company they work for.

Independent Car Insurance Agents

Independent agents do not sell for just one brand and that gives them the ability to insure through many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply switch companies in-house and you won't have to switch agencies.

When comparison shopping, you definitely need to compare quotes from a few independent agents to maximize your price options. Most have the option of insuring with different regional companies that can offer cheaper rates than bigger companies.

Shown below is a partial list of independent agencies in Indianapolis that may be able to provide competitive price quotes.

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Exclusive Car Insurance Agents

Exclusive insurance agents normally can only provide a single company's rates like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agencies are highly trained in insurance sales and that can be a competitive advantage. Some consumers prefer to buy from the same agent for years primarily because of the prominence of the brand rather than low price.

The following is a list of exclusive insurance agencies in Indianapolis willing to provide price quote information.

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Selecting a insurance agency shouldn't rely on just the quoted price. Before buying a policy in Indianapolis, get answers to these questions.

Insurance policy coverages for a Ford Expedition

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers - This provides protection when the "other guys" either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Expedition.

Because many people carry very low liability coverage limits (25/50/10 in Indiana), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Collision - Collision insurance covers damage to your Expedition resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your Expedition to save money on collision insurance.

Medical expense insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for hospital visits, dental work and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) - This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from getting keyed, rock chips in glass and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance - This provides protection from injuries or damage you cause to other's property or people in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/10 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford. Indiana state law requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.

Frequent quotes can save

There are still a few companies who do not offer internet price quotes and usually these small, regional companies provide coverage only through local independent agents. Lower-priced Ford Expedition insurance in Indianapolis can be purchased online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money.

In this article, we presented many ideas to find cheaper Ford Expedition insurance in Indianapolis. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may even discover the best price on auto insurance is with a lesser-known regional company.

When buying insurance coverage, do not reduce needed coverages to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to regret that the savings was not a smart move. The goal is to purchase a proper amount of coverage for the lowest price.

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