Would you like to buy lower-priced Ford Expedition insurance in Houston? Finding cheaper prices on Ford Expedition insurance in Houston can seem to be quite difficult for beginners to buying insurance online. When there are so many online companies available, it can easily be a ton of work to find the lowest price on Ford Expedition insurance.
Astonishing but true, the vast majority of drivers kept their coverage with the same insurance company for more than four years, and roughly 40% of drivers have never compared rates with other companies. U.S. insurance shoppers can cut their rates by almost $860 a year, but they don’t believe how much money they would save if they switch to a new company.
This information will introduce you to how car insurance companies work and some tricks to saving. If you are insured now, you stand a good chance to be able to get lower rates using the ideas presented in this article. But Texas vehicle owners must comprehend how companies charge you for coverage because rates fluctuate considerably.
Ways to get Ford Expedition insurance rate quotes in Houston
The majority of larger companies such as Progressive, Allstate and GEICO allow consumers to get coverage price quotes on their websites. This process is quite simple as all you need to do is type in your coverage information as detailed in the form. After the form is submitted, the quote system makes automated requests for your driving and credit reports and returns pricing information.
Using the web to get quotes for Ford Expedition insurance in Houston makes it a lot easier to compare rates and it’s absolutely necessary to get many rate quotes if you want to get the lowest insurance rates.
In order to get comparison pricing now, compare quotes from the companies shown below. If you have coverage now, it’s recommended you type in the coverages identical to your current policy. This ensures you will have a rate comparison for similar coverage.
The companies shown below provide quotes in Houston, TX. If the list has multiple companies, it’s highly recommended you get price quotes from several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $322 | $560 | $392 | $24 | $118 | $1,416 | $118 |
| Expedition XLT 2WD | $300 | $492 | $438 | $26 | $130 | $1,386 | $116 |
| Expedition SSV 4WD | $322 | $486 | $330 | $20 | $98 | $1,256 | $105 |
| Expedition XLT 4WD | $208 | $332 | $304 | $18 | $92 | $954 | $80 |
| Expedition Eddie Bauer 2WD | $246 | $434 | $334 | $20 | $100 | $1,134 | $95 |
| Expedition Limited 2WD | $358 | $684 | $330 | $20 | $98 | $1,490 | $124 |
| Expedition Eddie Bauer 4WD | $232 | $486 | $366 | $22 | $110 | $1,216 | $101 |
| Expedition King Ranch 4WD | $258 | $462 | $366 | $22 | $110 | $1,218 | $102 |
| Expedition King Ranch 2WD | $354 | $718 | $366 | $22 | $110 | $1,570 | $131 |
| Expedition Limited 4WD | $356 | $660 | $422 | $24 | $126 | $1,588 | $132 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in specific garaging location which can alter coverage prices noticeably.
Analysis of deductible levels
When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The rates shown below may aid in understanding how much more you’ll pay between high and low deductibles. The first data table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.
| 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 | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $240 | $328 | $324 | $20 | $96 | $1,008 | $84 |
| Expedition XLT 2WD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Expedition SSV 4WD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Expedition XLT 4WD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Expedition Eddie Bauer 2WD | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| Expedition Limited 2WD | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| Expedition Eddie Bauer 4WD | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| Expedition King Ranch 4WD | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| Expedition King Ranch 2WD | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| Expedition Limited 4WD | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| 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 homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in specific location which can influence coverage prices substantially.
Based on the data above, we can derive that using a $250 deductible costs about $16 more each month or $192 for a full year than requesting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 16 months between claims, you would probably be better off by selecting a higher deductible.
Don’t overlook these Ford Expedition insurance discounts
Not too many consumers would say car insurance is affordable, but you may qualify for discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be requested specifically before you will receive the discount.
- Drivers Education – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
- Passive Restraints – Factory air bags or motorized seat belts may get savings of up to 25% or more.
- Defensive Driver Discount – Taking a course that instructs on driving safety could save 5% or more depending on where you live.
- Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a Houston car insurance quote.
- Senior Citizen Rates – Mature drivers are able to get better car insurance rates.
Consumers should know that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, that’s just not realistic.
Auto insurance companies that have most of the discounts above are:
If you need cheaper Houston car insurance quotes, ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not be offered everywhere. To view insurers with the best Ford Expedition insurance discounts in Houston, click this link.
Auto insurance protects more than just your car
Despite the high cost, insurance is required in Texas but it also protects you in many ways.
- Almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Ford Expedition has a loan, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Ford at a more expensive rate and require you to pay for the expensive policy.
- Insurance protects both your Ford Expedition and your assets. It will also provide coverage for most medical and hospital costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance outweigh the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is wasting up to $750 every year so compare quotes from several companies at least once a year to ensure rates are inline.
How much insurance do I need?
When buying the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique and your insurance should unique, too.
Here are some questions about coverages that might help in determining whether or not you might need professional guidance.
- Is motorclub coverage worth it?
- Why does it cost so much to insure a teen driver in Houston?
- Do I need special coverage while pulling a rented trailer?
- Can my teen drive my company car?
- Should I have combined single limit or split liability limits?
- Does my Ford Expedition qualify for pleasure use?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Should I talk to an insurance agent?
A lot of people would prefer to buy from a local agent and that is not a bad decision A nice benefit of getting free rate quotes online is that drivers can save money and get the best rates but also keep your business local. And supporting local agencies is still important in Houston.
To find an agent, once you fill out this form (opens in new window), the quote information is emailed to local insurance agents in Houston who will return price quotes for your insurance coverage. You never need to contact any agents as quotes are delivered immediately to your email address. You can get cheaper insurance rates without having to waste a lot of time. In the event you want to get a comparison quote from a specific insurance company, you just need to search and find their rate quote page and submit a quote form there.
Insurance agent types
When narrowing the list to find a good Houston insurance agent, you need to know there are two different types of agents and how they function. Agencies in Houston can be categorized as either independent agents or exclusive agents.
Independent Insurance Agents (or Brokers)
These type of agents are not locked into one company so they can quote policies with a variety of different insurance companies enabling the ability to shop coverage around. If you want to switch companies, your agent can just switch to a different company which makes it simple for you.
When comparing insurance rates, you definitely need to get insurance quotes from independent agents to get the most accurate price comparison. They also have the ability to place coverage with different regional companies that may have much lower rates than larger companies.
Below is a partial list of independent agents in Houston who can help you get cheap rate quotes.
- ProTECH Insurance Agency, Inc.
#100, 3120 SW Freeway Service Rd – Houston, TX 77098 – (713) 520-1090 – View Map - Memorial Insurance Agency, LLC
13624 Memorial Dr – Houston, TX 77079 – (713) 461-8272 – View Map - Cornerstone Insurance Agency
24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343 – View Map
Exclusive Agents
Exclusive agencies are contracted to one company and some examples include Farmers Insurance, State Farm, or Allstate. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive insurance agents are well schooled on their company’s products which helps them sell insurance even at higher premiums. Some insured continue to buy from exclusive agents mainly due to loyalty to the company instead of buying on price only.
The following is a short list of exclusive agents in Houston that are able to give comparison quotes.
- Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155 – View Map - Ben Speer – State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 – Houston, TX 77058 – (281) 204-8282 – View Map - Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map
Picking a car insurance agent is decision based upon more than just the quoted price. Any agent in Houston should be willing to answer these questions.
- Will you get a loaner vehicle if you car is being repaired?
- Do they assist clients in filing claims?
- Are you getting all the discounts the company offers?
- How long has the business existed?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will the agent or a CSR service your policy?
Once you have answers to your satisfaction to any questions you have in addition to an acceptable price estimate, you may have just found a car insurance agent that meets the criteria to insure your vehicles.