Affordable Ford Expedition Insurance in Arlington

  1. Home
  2. >
  3. Arlington Auto Insurance
  4. >
  5. Ford Expedition

Insurance for Ford ExpeditionAre you doing reasearch to find more competitive Ford Expedition insurance in Arlington? High-priced car insurance in Arlington can bleed your family's budget and maybe even restrict other spending. Comparing cost estimates can save money and help to make ends meet.

It's shocking but the vast majority of drivers renewed their policy with the same company for more than four years, and roughly 40% of drivers have never even compared rates from other companies. Many consumers in Texas could save up to 70% every year by just shopping around, but most tend to underestimate the benefits if they just switched companies.

How to find better rates for Ford Expedition insurance in Arlington

It takes a little time, but the best way to find more affordable auto insurance rates is to regularly compare price quotes from providers in Arlington. Drivers can shop around by following these steps.

First, try to understand how auto insurance works and the things you can control to keep rates low. Many things that are responsible for high rates like getting speeding tickets and a low credit score can be eliminated by making minor changes in your lifestyle.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple sources. Compare rates

Third, compare the new rate quotes to your existing coverage and determine if cheaper Expedition coverage is available in Arlington. If you find a lower rate quote and switch companies, make sure coverage does not lapse between policies.

Fourth, give notification to your agent or company of your intention to cancel your current car insurance policy and submit a completed policy application and payment for your new coverage. Immediately safely store the certificate verifying proof of insurance in a readily accessible location in your vehicle.

The most important part of this process is that you use the same level of coverage on every price quote and and to compare as many car insurance companies as possible. Doing this guarantees a fair price comparison and many rates to choose from.

People have so many car insurance companies to insure vehicles with, and although it's nice to have multiple companies, it can be more challenging to compare rates and find the lowest cost car insurance.

It's a good idea to get comparison quotes before your policy renews because car insurance prices change quite often. Even if you think you had the lowest price on Ford Expedition insurance in Arlington on your last policy a different company probably has better rates today. Ignore everything you know about car insurance because I'm going to teach you how to use online quotes to find lower rates on car insurance.

How to shop Ford Expedition insurance online

All the larger car insurance companies like GEICO, State Farm and Progressive make it easy to get prices directly from their websites. Doing online price comparisons for Ford Expedition insurance in Arlington is pretty easy as you simply type in your coverage information on the page. Behind the scenes, their quoting system obtains information on your driving record and credit history and gives you a price quote based on the information you submitted. Quoting online for Ford Expedition insurance in Arlington makes it a lot easier to compare rates and it is important to compare as many rates as possible if you want to find the most affordable car insurance rates.

To quickly find out what other companies charge, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy deductibles and limits as shown on your current policy. This guarantees you will be getting a rate comparison for the exact same coverage.

The auto insurance companies shown below are our best choices to provide comparison quotes in Arlington, TX. To locate the best car insurance in TX, we recommend you visit as many as you can to get the best price comparison.

Ford Expedition insurance charts and tables

The data table displayed below outlines different insurance coverage prices for Ford Expedition models. Having a better understanding of how policy rates are established is important for making smart choices when selecting a policy.

Ford Expedition Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $174 $290 $422 $24 $126 $1,036 $86
Expedition XLT 2WD $198 $352 $422 $24 $126 $1,122 $94
Expedition SSV 4WD $198 $352 $422 $24 $126 $1,122 $94
Expedition XLT 4WD $198 $352 $422 $24 $126 $1,122 $94
Expedition Eddie Bauer 2WD $198 $416 $422 $24 $126 $1,186 $99
Expedition Limited 2WD $198 $416 $422 $24 $126 $1,186 $99
Expedition Eddie Bauer 4WD $198 $416 $422 $24 $126 $1,186 $99
Expedition King Ranch 4WD $220 $416 $422 $24 $126 $1,208 $101
Expedition King Ranch 2WD $220 $416 $422 $24 $126 $1,208 $101
Expedition Limited 4WD $220 $416 $422 $24 $126 $1,208 $101
Get Your Own Custom Quote Go

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location which can influence insurance rates noticeably.

Auto insurance protects more than just your car

Even though it's not necessarily cheap to insure a Ford in Arlington, insurance is required in Texas but it also protects you in many ways.

  • Just about all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to drive the car legally. 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 you have a lien on your vehicle, more than likely the lender will require that you buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Ford for a lot more money and require you to fork over much more than you were paying before.
  • Auto insurance protects both your Ford and your personal assets. It also can pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay to have it repaired.

The benefits of having auto insurance outweigh the cost, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $820 a year so you should quote and compare rates at every renewal to ensure rates are competitive.

Ford Expedition Insurance Premium Factors

Lots of things are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although some other factors are not as apparent like your vehicle usage and annual miles driven. Part of the car insurance buying process is learning some of the elements that help determine your premiums. If you know what determines base rates, this enables you to make decisions that could help you find lower premium levels.

  • Liability coverage - A critical coverage on your policy, liability insurance provides coverage when you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense to defend your case. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Tickets cost more than a fine - A bad driving record impacts your car insurance rates tremendously. Good drivers tend to pay less for car insurance as compared to careless drivers. Just one driving citation could increase your next policy renewal by as much as thirty percent. Drivers unfortunate enough to have dangerous citations like DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 or proof of financial responsibility with their state's licensing department in order to legally drive a vehicle.

    The illustration below demonstrates how citations and at-fault collisions raise Ford Expedition insurance costs for different ages of insureds. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

  • Vehicle features that lower rates - Purchasing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your car from being stolen.
  • Marriage discount - Your spouse may earn you lower rates on your policy. Having a significant other usually means you are more financially stable it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Ford Expedition insurance loss statistics - Companies factor in historical loss data when setting rates for each model. Models that are shown to have high amounts or severity of claims will cost more for coverage.

    The next table illustrates the historical loss data for Ford Expedition vehicles. For each type of coverage, the statistical loss for all vehicles compiled together is set at 100. Numbers under 100 are indicative of better than average losses, while values over 100 indicate more frequent losses or tendency to have higher losses.

    Insurance Loss Ratings for Ford Expedition Vehicles
    Make and 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: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance agents can help

When selecting a policy for your vehicles, there really isn't a perfect coverage plan. You are unique.Higher deductibles save money

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • What can I do if my company denied a claim?
  • Can I afford to pay high deductible claims out of pocket?
  • Does medical payments coverage apply to all occupants?
  • What is the premium to book value ratio for dropping full coverage?
  • Is business equipment covered while in my vehicle?
  • Do I need higher collision deductibles?
  • What if I don't agree with a claim settlement offer?
  • How much liability insurance is required?
  • How high should my medical payments coverage be?
  • Does my Ford Expedition qualify for pleasure use?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Which auto insurance company is best in Arlington?

Buying coverage from the right insurer is hard considering how many companies provide coverage in Texas. The ranking information in the next section could help you pick which car insurance providers to look at comparing rates with.

Top Auto Insurance Companies in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Persistence is the key to cheaper rates

We've covered a lot of techniques to get a better price on Ford Expedition insurance in Arlington. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the most savings is with a lesser-known regional company.

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. In many cases, drivers have reduced comprehensive coverage or liability limits only to discover later they didn't purchase enough coverage. Your focus should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

Budget-friendly car insurance in Arlington is possible on the web as well as from independent agents in Arlington, and you should compare rates from both to have the best chance of lowering rates. A few companies do not offer online price quotes and most of the time these smaller companies work with independent agents.

How to find cheaper rates for Ford Expedition insurance in Arlington

It takes a few minutes, but the best way to find low-cost prices for Ford Expedition insurance in Arlington is to start doing a yearly price comparison from insurers who provide auto insurance in Texas.

  1. Gain an understanding of how companies set rates and the measures you can control to prevent expensive coverage. Many things that are responsible for high rates like at-fault accidents, speeding tickets, and an unacceptable credit score can be remedied by making minor changes in your lifestyle.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can quote rates from multiple sources.
  3. Compare the price quotes to your current policy and see if there is a cheaper rate in Arlington. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

One thing to point out is to try to compare identical deductibles and limits on each quote and and to get quotes from as many companies as possible. This guarantees the most accurate price comparison and plenty of rates choose from.

Helpful resources