Compare Ford Expedition Insurance Quotes in San Francisco

Unfortunately, over 70% of drivers have remained with the same insurance company for a minimum of four years, and practically 40% of insurance customers have never compared rate quotes at all. California insurance shoppers could save as much as $470 every year, but they won’t spend time to compare rate quotes.

Insurance rates Ford Expedition in San FranciscoIf you want to save the most money, the best way to get cheaper auto insurance rates is to start comparing prices regularly from insurers who provide auto insurance in San Francisco. You can shop around by following these steps.

Step 1: Try to learn a little about how your policy works and the changes you can make to prevent expensive coverage. Many things that cause high rates like traffic violations, accidents, and a substandard credit score can be improved by paying attention to minor details. This article gives information to get cheaper coverage and earn larger discounts.

Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can provide rate quotes from multiple insurance companies. Start a quote

Step 3: Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote, make sure there is no lapse in coverage.

Step 4: Tell your current agent or company of your decision to cancel your current auto insurance policy and submit the application along with any required down payment to your new company or agent. When you receive it, keep your new certificate of insurance with your vehicle’s registration.

An important bit of advice to remember is to try to use the same coverage limits and deductibles on every quote request and and to get price estimates from all possible companies. This provides an accurate price comparison and plenty of rates choose from.

Getting a cheap price on Ford Expedition insurance is a fairly straight forward process. The only requirement is to invest a little time comparing price quotes from different insurance companies.

The companies shown below offer free rate quotes in San Francisco, CA. If the list has multiple companies, we recommend you click on several of them to find the most affordable car insurance rates.

Ford Expedition insurance rates and statistics

The coverage table shown next highlights different insurance policy prices for Ford Expedition models. Knowing how rates are established is important for drivers to make decisions on the best policy to buy.

Ford Expedition Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $262 $392 $354 $20 $106 $1,134 $95
Expedition XLT 2WD $296 $478 $354 $20 $106 $1,254 $105
Expedition SSV 4WD $296 $478 $354 $20 $106 $1,254 $105
Expedition XLT 4WD $296 $478 $354 $20 $106 $1,254 $105
Expedition Eddie Bauer 2WD $296 $562 $354 $20 $106 $1,338 $112
Expedition Limited 2WD $296 $562 $354 $20 $106 $1,338 $112
Expedition Eddie Bauer 4WD $296 $562 $354 $20 $106 $1,338 $112
Expedition King Ranch 4WD $330 $562 $354 $20 $106 $1,372 $114
Expedition King Ranch 2WD $330 $562 $354 $20 $106 $1,372 $114
Expedition Limited 4WD $330 $562 $354 $20 $106 $1,372 $114
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in zip code location which can impact rates noticeably.

Impact of violations and accidents on rates in San Francisco

The diagram below shows how traffic citations and at-fault accidents can affect Ford Expedition car insurance costs for different age categories. The premiums assume a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

Ford Expedition annual premiums for males versus females

The diagram below visualizes the comparison of Ford Expedition insurance costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Full coverage versus liability-only in San Francisco

The information below shows the difference between Ford Expedition insurance costs with and without physical damage coverage. The prices are based on no accidents, no driving violations, $1,000 deductibles, single status, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no specific rule for dropping comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Ford Expedition claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some conditions where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

How You Can Control Ford Expedition Insurance Rates

Many things are used in the calculation when you quote your car insurance policy. Some are obvious such as your driving history, but some are less obvious like your continuous coverage or your financial responsibility. Consumers need to have an understanding of some of the things that play a part in calculating your premiums. When you understand what controls the rates you pay, this enables you to make decisions that can earn you better insurance rates.

Insurance rates are higher for high performance vehicles – The performance of the car, truck or SUV you are buying insurance for makes a huge difference in your auto insurance rates. The most favorable rates are usually found on smaller low performance passenger cars, but the final cost of insurance is determined by many other factors.

The following data assumes a single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Ford Expedition car insurance rates compared to other makes and models that have different risk factors.

Marriage is a factor – Having a significant other may earn you lower rates on your insurance policy. Having a spouse may mean you are more mature and statistics show being married results in fewer claims.

Filing insurance claims can cost you – Companies in California provide cheaper rates to insureds who file claims infrequently. If you are the type of insured that files lots of claims you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for larger claims.

More traffic means higher claims – Having an address in less populated areas of the country may provide you with better prices when buying insurance. Less people living in that area translates into fewer accident claims in addition to fewer liability claims. People who live in big cities have to deal with much more traffic and more severe claims. Spending more time driving statistically corresponds to a higher accident and claim rate.

Alarm systems lowers rates – Choosing to buy a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.

Drive less and get lower premiums – The higher the mileage driven in a year’s time the higher your rates will be. A lot of companies calculate prices based upon how much you drive. Cars not used for work or commuting receive better premium rates compared to those used for work or business. Make sure your vehicle rating states how each vehicle is driven. A policy that improperly rates your Expedition can result in significantly higher rates.

Only buy what you need – There are a lot of additional coverages that can waste your money if you aren’t careful. Add-on coverages like vanishing deductibles, towing coverage, and term life insurance may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money think about removing them and cutting costs.

Car and home together may be cheaper – Most major insurance companies will give better rates to customers who carry more than one policy in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s still a good idea to compare Ford Expedition rates in San Francisco to verify if the discount is saving money.

Loss statistics for a Ford Expedition – Insurance companies use statistical claims data when they set coverage costs for each model. Vehicles that the data determines to have higher claim frequency or loss amount will have increased rates.

The table below illustrates the loss history for Ford Expedition vehicles. For each coverage category, the claim probability for all vehicles, as an average, is a value of 100. Numbers below 100 imply a favorable loss record, while values that are above 100 indicate more frequent claims or an increased likelihood of larger losses.

Ford Expedition Insurance Claim Statistics
Specific Ford 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

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Choosing Ford vehicle insurance is an important decision

Despite the fact that insurance is not cheap in San Francisco, insurance may not be optional for several reasons.

The benefits of buying insurance definitely exceed the price paid, especially if you ever need it. Today the average American driver is wasting up to $810 a year so shop around at least once a year to be sure current rates are still competitive.