Finding cheap Ford Expedition insurance in Portland can be kind of frustrating for drivers not familiar with online insurance quotes. With more and more online companies, it can be a chore to find cheaper Ford Expedition insurance rates.
How to find discount Ford Expedition insurance in Portland
The easiest way to find better pricing on Ford Expedition insurance in Portland is to start comparing prices yearly from insurance carriers in Oregon.
Step 1: Take a little time to learn about coverages and the measures you can control to prevent high rates. Many risk factors that cause rate increases such as speeding tickets, accidents and an unacceptable credit rating can be eliminated by making minor changes to your lifestyle. This article provides more information to keep prices down and find additional discounts you may qualify for.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while independent agents can quote rates for a wide range of insurance providers.
Step 3: Compare the new rates to your existing coverage to see if a cheaper rate is available in Portland. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current agent or company to cancel your current auto insurance policy. Submit the required down payment along with the signed application for your new coverage. Once the paperwork is finalized, put the new proof of insurance paperwork somewhere easily accessible.
A good tip to remember is to make sure you’re comparing similar coverage information on each quote request and and to get quotes from as many different companies as possible. Doing this provides an accurate price comparison and the best price quote selection.
We don’t have to tell you that car insurance companies don’t want you quoting rates from other companies. Consumers who compare other prices are likely to switch to a new company because there is a great chance of finding a lower-priced policy. A recent survey revealed that drivers who compared rate quotes regularly saved about $3,500 over four years compared to drivers who don’t regularly compare prices.
If finding the lowest rates on auto insurance is why you’re here, then having an understanding of the best way to compare insurance premiums can help make the process easier and more efficient.
You should make it a habit to get comparison quotes on a regular basis because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates on Ford Expedition insurance in Portland a year ago other companies may now be cheaper. You can search a lot of Expedition insurance on the web, but I’m going to show you some good information on how to quit paying high car insurance rates in Portland.
To find low cost Portland car insurance quotes, there are several ways to get quotes from lots of Oregon insurance companies. The easiest way by far to do a complete rate comparison is simply to get online rate quotes. Just remember that comparing all the rates in your area provides better odds of finding a lower rate.
The companies shown below have been selected to offer quotes in Portland, OR. To find the best cheap auto insurance in Portland, it’s highly recommended you click on several of them to get the best price comparison.
Rates and detailed analysis
The rate information displayed below outlines estimates of insurance costs for Ford Expedition models. Learning as much as possible about how insurance premiums are determined is important for making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Expedition SSV 2WD||$212||$336||$306||$18||$92||$964||$80|
|Expedition XLT 2WD||$240||$408||$306||$18||$92||$1,064||$89|
|Expedition SSV 4WD||$240||$408||$306||$18||$92||$1,064||$89|
|Expedition XLT 4WD||$240||$408||$306||$18||$92||$1,064||$89|
|Expedition Eddie Bauer 2WD||$240||$480||$306||$18||$92||$1,136||$95|
|Expedition Limited 2WD||$240||$480||$306||$18||$92||$1,136||$95|
|Expedition Eddie Bauer 4WD||$240||$480||$306||$18||$92||$1,136||$95|
|Expedition King Ranch 4WD||$266||$480||$306||$18||$92||$1,162||$97|
|Expedition King Ranch 2WD||$266||$480||$306||$18||$92||$1,162||$97|
|Expedition Limited 4WD||$266||$480||$306||$18||$92||$1,162||$97|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Estimates do not factor in specific location which can increase or decrease price quotes noticeably.
The example below demonstrates how deductibles and can influence Ford Expedition insurance prices for different categories of driver ages. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
Auto insurance rates are higher with tickets and accidents
The chart below illustrates how speeding tickets and at-fault collisions drive up Ford Expedition car insurance costs for each age group. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Auto insurance is not optional
Despite the potentially high cost of Ford Expedition insurance, paying for auto insurance is most likely required but also gives you several important benefits.
First, most states have mandatory insurance requirements which means you are required to carry a specific level of liability coverage if you don’t want to risk a ticket. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you took out a loan on your car, almost every bank will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Ford for a much higher rate and force you to pay the higher premium.
Third, insurance protects both your vehicle and your personal assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. The average driver in Oregon is wasting up to $700 annually so we recommend shopping around at least once a year to save money.
Situations that may require an agent’s advice
When buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed.
For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.
- Do I need an umbrella policy?
- Does my medical payments coverage pay my health insurance deductible?
- Should I buy only the required Oregon minimum liability coverage?
- What is medical payments coverage?
- Do I pay less if my vehicle is kept in my garage?
- Is coverage enough to protect my assets?
- Am I covered if I hit my neighbor’s mailbox?
- Do I need rental car coverage?
- Is there a penalty for late payment?
- What is the ISO rating for a Ford Expedition?
If you don’t know the answers to these questions but a few of them apply, you might consider talking 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.
Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.
Comprehensive (Other than Collision)
This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like vandalism, fire damage, falling objects, damage from a tornado or hurricane and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Protection from uninsured/underinsured drivers
This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Ford Expedition.
Due to the fact that many Oregon drivers have only the minimum liability required by law (25/50/20), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Medical expense insurance
Med pay and PIP coverage reimburse you for bills for things like dental work, chiropractic care, doctor visits, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Liability insurance protects you from damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/20 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $20,000 for damage to vehicles and property.
Liability coverage protects against things like structural damage, loss of income, legal defense fees and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Oregon state law requires minimum liability limits of 25/50/20 but you should consider buying higher limits.
The next chart shows why minimum state limits may not provide adequate coverage.
This coverage covers damage to your Expedition from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like crashing into a building, crashing into a ditch, colliding with a tree, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible on your Expedition to bring the cost down.
Auto insurance companies ranked
Buying coverage from the top insurer can be difficult considering how many choices there are in Oregon. The rank data in the next section may help you choose which companies to look at comparing prices from.
Top 10 Portland Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Portland Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, someone dropped uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
We covered a lot of ways to compare Ford Expedition insurance rates in Portland. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the best price on auto insurance is with a small mutual company. Smaller companies may often insure only within specific states and give better rates as compared to the big name companies such as GEICO and State Farm.
Affordable Ford Expedition insurance in Portland can be found online in addition to many Portland insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies don’t offer online quoting and these small, regional companies only sell through local independent agents.
How to save on Ford Expedition insurance in Portland
The easiest way to find low-cost prices for car insurance rates in Portland is to make a habit of comparing prices annually from companies who provide auto insurance in Oregon.
First, it will benefit you to learn about how companies price auto insurance and the changes you can make to prevent high rates. Many rating criteria that drive up the price such as at-fault accidents, careless driving, and a low credit rating can be improved by making lifestyle changes or driving safer.
Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple companies.
Third, compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
One piece of advice is to use the same coverage limits and deductibles on each quote request and and to get quotes from every company you can. This provides a fair price comparison and a complete price analysis.
To learn more, take a look at the articles below:
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Portland Auto Insurance for Drivers Over Age 70? (FAQ)
- How Much is Portland Car Insurance for Young Drivers? (FAQ)
- Who Has Affordable Portland Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- What Auto Insurance is Cheapest for Drivers Over Age 50 in Portland? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)