Best Rates for Ford Expedition Insurance in Long Beach

Insurance for Ford ExpeditionStatistics show that the vast majority of consumers renewed their policy with the same company for well over three years, and almost half have never compared car insurance rates at all. Most drivers in Long Beach could save about 35% each year just by comparing rates, but they feel it’s too difficult to compare rate quotes.

Really, the only way to get the cheapest Ford Expedition insurance is to start comparing prices regularly from companies who sell insurance in Long Beach.

Step 1: Try to learn about the coverage provided by your policy and the measures you can take to prevent expensive coverage. Many risk factors that result in higher prices like speeding tickets, accidents and an unfavorable credit rating can be improved by improving your driving habits or financial responsibility.

Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while independent agencies can quote rates for many different companies.

Step 3: Compare the quotes to your existing coverage to see if switching to a new carrier will save money. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Notify your company or agent to cancel the current policy and submit payment and a completed application to the new company. As soon as you can, put the proof of insurance certificate in an easily accessible location.

One key aspect when comparing rates is to try to use the same physical damage deductibles and liability limits on each price quote and and to get price estimates from as many companies as you can. Doing this helps ensure a fair rate comparison and a complete price analysis.

If you already have coverage or want to find a cheaper company, you can use these tips to find better prices without sacrificing coverage. Buying affordable auto insurance in Long Beach can be easy if you know a few tricks. Smart buyers just have to know the most efficient way to compare company rates from many companies at once.

Lowering your Ford Expedition car insurance rates isn’t really that difficult. The only requirement is to spend a few minutes on the computer comparing rates provided by online insurance companies.

Comparison shopping quotes online is easy and it takes the place of having to make phone calls or go to insurance agencies in your area. Quoting and buying Ford Expedition insurance online reduces the need to sit down with an agent unless you have a complicated situation and need the professional guidance that only an agent can give. You can, however, get the lowest quotes online but buy from a local insurance agent.

The following companies are ready to provide quotes in California. If you want to find cheap car insurance in Long Beach, we recommend you compare several of them to get the best price comparison.

Ford Expedition coverage analysis

The data table displayed below covers a range of coverage prices for Ford Expedition models. Being able to understand how car insurance prices are figured can help guide drivers when making informed decisions when shopping around for a new policy.

Ford Expedition Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $238 $374 $424 $26 $128 $1,190 $99
Expedition XLT 2WD $270 $454 $424 $26 $128 $1,302 $109
Expedition SSV 4WD $270 $454 $424 $26 $128 $1,302 $109
Expedition XLT 4WD $270 $454 $424 $26 $128 $1,302 $109
Expedition Eddie Bauer 2WD $270 $536 $424 $26 $128 $1,384 $115
Expedition Limited 2WD $270 $536 $424 $26 $128 $1,384 $115
Expedition Eddie Bauer 4WD $270 $536 $424 $26 $128 $1,384 $115
Expedition King Ranch 4WD $300 $536 $424 $26 $128 $1,414 $118
Expedition King Ranch 2WD $300 $536 $424 $26 $128 $1,414 $118
Expedition Limited 4WD $300 $536 $424 $26 $128 $1,414 $118
Get Your Own Custom Quote Go

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates considerably.

Physical damage deductibles: Should you raise them?

When shopping for insurance, a common question is how low should you set your deductibles. The premium rates below summarize the costs and benefits when you select higher and lower coverage deductibles. The first rate table uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Ford Expedition insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $380 $564 $376 $22 $112 $1,479 $123
Expedition XLT 2WD $430 $686 $376 $22 $112 $1,651 $138
Expedition SSV 4WD $430 $686 $376 $22 $112 $1,651 $138
Expedition XLT 4WD $430 $686 $376 $22 $112 $1,651 $138
Expedition Eddie Bauer 2WD $430 $810 $376 $22 $112 $1,775 $148
Expedition Limited 2WD $430 $810 $376 $22 $112 $1,775 $148
Expedition Eddie Bauer 4WD $430 $810 $376 $22 $112 $1,775 $148
Expedition King Ranch 4WD $478 $810 $376 $22 $112 $1,823 $152
Expedition King Ranch 2WD $478 $810 $376 $22 $112 $1,823 $152
Expedition Limited 4WD $478 $810 $376 $22 $112 $1,823 $152
Get Your Own Custom Quote Go

Ford Expedition insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $278 $382 $376 $22 $112 $1,170 $98
Expedition XLT 2WD $314 $464 $376 $22 $112 $1,288 $107
Expedition SSV 4WD $314 $464 $376 $22 $112 $1,288 $107
Expedition XLT 4WD $314 $464 $376 $22 $112 $1,288 $107
Expedition Eddie Bauer 2WD $314 $546 $376 $22 $112 $1,370 $114
Expedition Limited 2WD $314 $546 $376 $22 $112 $1,370 $114
Expedition Eddie Bauer 4WD $314 $546 $376 $22 $112 $1,370 $114
Expedition King Ranch 4WD $348 $546 $376 $22 $112 $1,404 $117
Expedition King Ranch 2WD $348 $546 $376 $22 $112 $1,404 $117
Expedition Limited 4WD $348 $546 $376 $22 $112 $1,404 $117
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price estimates do not factor in garaging location in Long Beach which can decrease or increase rates noticeably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $33 more each month or $396 a year than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 12 months between claims, you would probably come out ahead by going with a higher deductible. The illustration below shows how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $144
Average monthly premium for $500 deductibles (subtract): – $111
Monthly savings from raising deductible: $33
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

Full coverage rates compared to liability-only

The example below compares Ford Expedition insurance prices with and without physical damage coverage. The premiums are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Should you buy full coverage or liability only?

There is no definitive formula to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Ford Expedition claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after the deductible is paid. If premiums are more than $500 a year for full coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping full coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Buying the right vehicle insurance in California is an important decision

Even though it’s not necessarily cheap to insure a Ford in Long Beach, buying car insurance is not optional due to several reasons.

The benefits of insuring your car definitely exceed the cost, especially when you need to use it. Unknowingly, the average driver overpays more than $850 per year so we recommend shopping around at every renewal to make sure the price is not too high.

Decisions You Make Can Impact Your Insurance Prices

A large part of saving on car insurance is knowing the factors that help determine the level of your policy premiums. When you understand what impacts premium levels, this allows you to make educated decisions that may reward you with cheaper rates.

Long Beach insurance discounts for a Ford Expedition

Companies that sell car insurance do not list every discount available in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on auto insurance.Auto insurance discounts

Don’t be surprised that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, that’s just not realistic.

The diagram below shows the comparison of Ford Expedition insurance prices with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.

Some companies that may have these money-saving discounts are:

Check with each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in Long Beach.

Do I just need basic coverages?

Keep in mind that when it comes to choosing coverage, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is a little different.Auto insurance savings

For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

When to get advice from an insurance agent

Many drivers prefer to go talk to an agent and that can be a smart move Professional agents are very good at helping people manage risk and will help you if you have claims. One of the great benefits of comparing insurance online is the fact that you can find lower rates and still choose a local agent. Supporting local agencies is important particularly in Long Beach.

Insurance agency in Long BeachAfter completing this form (opens in new window), your insurance data is instantly submitted to participating agents in Long Beach that can provide free Long Beach car insurance quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies since rate quotes are delivered immediately to your email address. If you have a need to get a comparison quote from a specific company, you just need to find their quoting web page to submit a rate quote request.

Auto insurance agents in Long Beach come in two varieties

If you’re trying to find a reliable insurance agency, you should know the types of insurance agents and how they function. Insurance agencies in Long Beach are classified as either independent or exclusive depending on the company they work for. Both types of agents can insure your vehicles, but it’s worth mentioning the differences because it can factor into the type of agent you choose.

Independent Insurance Agents

Agents in the independent channel are not employed by any specific company so they can write business through many companies and possibly get better coverage at lower prices. If premiums increase, they can switch companies in-house which makes it simple for you. When comparing insurance prices, we recommend you get some free quotes from several independent agencies to have the most options to choose from.

Featured below is a small list of independent insurance agents in Long Beach that may be able to provide pricing information.

4400 Pacific Coast HwyLong Beach, CA 90804(562) 498-8661View Map

Priscilla Vallejos Insurance Agency
2725 Candlewood StLakewood, CA 90712(562) 552-3259View Map

1165 E San Antonio DrLong Beach, CA 90807(310) 874-3933View Map

More Long Beach agents

Exclusive Insurance Agencies

These type of agents are contracted to one company such as Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents are well trained on what they offer which helps offset the inability to provide other markets.

Below is a short list of exclusive insurance agencies in Long Beach who can help you get price quotes.

2642 N Los Coyotes DiagonalLong Beach, CA 90815(562) 982-1444View Map

6390 E Willow StLong Beach, CA 90815(562) 795-0488View Map

4625 E Anaheim StLong Beach, CA 90804(562) 494-4494View Map

More Long Beach agents

Finding the right insurance agency should include more criteria than just a cheap price quote. Below are some questions you should ask.

Do the work, save more money

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, poor customer service or even delays in paying claims. It doesn’t matter what your reason, finding the right car insurance provider is less work than it seems.

You just read a lot of tips how to compare Ford Expedition insurance premium rates in Long Beach. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the most savings is with the least-expected company.

Cheaper Ford Expedition insurance in Long Beach is possible both online and from local insurance agents, so you should compare both to have the best selection. A few companies may not provide online rate quotes and many times these small, regional companies work with independent insurance agencies.

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