Statistics 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.
| 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.
| 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 | |||||||
| 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.
- Almost all states have minimum liability requirements which means the state requires a minimum amount of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a lienholder, it’s most likely the lender will make it a condition of the loan that you buy insurance to guarantee their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Ford at a much higher rate and require you to pay much more than you were paying before.
- Car insurance preserves your vehicle and your assets. It will also reimburse you for many types of medical costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
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.
- What are good liability coverage limits? – A critical coverage on your policy, liability insurance will afford coverage in the event that you are found liable for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. Liability is cheap compared to other policy coverages, so buy as much as you can afford.
- Car features impact premiums – Choosing to buy a car that has a built-in theft deterrent system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
- Where you live – Living in less populated areas of the country is a good thing when talking about car insurance. Lower population translates into fewer accidents and a lower car theft rate. Residents of big cities tend to have more auto accidents and longer commute times. Longer commute distances means higher likelihood of an accident.
- A good credit history can save money – Having a bad credit history will be a significant factor in calculating your premium rate. So if your credit score is not that good, you could potentially save money when insuring your Ford Expedition by repairing your credit. Consumers who have good credit tend to file fewer claims than those with lower credit ratings.
- Being married can save you money – Walking down the aisle may cut your premiums on your policy. It means you’re more mature and responsible and it’s statistically proven that married couples file fewer claims.
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Lower performance equals lower insurance premiums – The type of car, truck or SUV you own makes a big difference in your rates. Smaller low performance passenger cars receive the most favorable rates, but your final cost has many other factors.
The following data is based on a single female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It compares Ford Expedition rates compared to other models of vehicles that have different risk factors.
- Pay less with a high crash test rating – Cars with high safety ratings get lower rates. These vehicles reduce the chance of injuries and fewer serious injuries means less money paid by your insurance company and thus lower rates. If your Ford scored better than four stars on Safercar.gov it may cost less to insure.
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Insurance loss probability for a Ford Expedition – Car insurance companies use statistical claims data to determine a rate that will be profitable for them. Vehicles that tend to have higher claim amounts or frequency will have higher rates for specific coverages.
The table below outlines the compiled insurance loss statistics for Ford Expedition vehicles. For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, is represented as 100. Values that are under 100 suggest a better than average loss history, while values that are 100 or greater indicate a higher chance of having a claim or statistically larger losses.
Ford Expedition Insurance Loss Statistics Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
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.
- Anti-lock Brake Discount – Cars with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
- Driver Training Discounts – Taking part in a safe driver class could earn you a small percentage discount depending on where you live.
- Accident Free – Claim-free drivers can save substantially compared to policyholders that have many claims.
- Federal Employees – Being employed by or retired from a federal job can save as much as 8% depending on your company.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower auto insurance rates if you buy some life insurance in addition to your auto policy.
- New Car Discount – Buying a new car instead of a used Expedition may earn a small discount because newer vehicles keep occupants safer.
- Military Discounts – Being deployed with a military unit could mean lower prices.
- Theft Deterrent – Cars and trucks with anti-theft systems help deter theft and that can save you a little bit as well.
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.
For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.
- Is my custom paint covered by insurance?
- Are there companies who specialize in insuring high-risk drivers?
- Do I have coverage if my license is suspended?
- How do I buy GAP insurance?
- Do I need to call my car insurance company before buying a new car?
- What is an SR-22 filing?
- Should I get collision insurance on every vehicle?
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.
After 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.
Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map
Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map
Rosanne Sanchez Insurance Agency
1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933 – View Map
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.
Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444 – View Map
Farmers Insurance – Debra Gonzalez
6390 E Willow St – Long Beach, CA 90815 – (562) 795-0488 – View Map
State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 – View Map
Finding the right insurance agency should include more criteria than just a cheap price quote. Below are some questions you should ask.
- Can you use your own choice of collision repair facility?
- Where would your vehicle be repaired?
- Are there any extra charges for paying monthly?
- Does the agent help file claims?
- What is the agency’s Better Business Bureau rating?
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.
Even more information can be found in these articles:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for a Hyundai Elantra in Long Beach? (FAQ)
- What Auto Insurance is Cheapest for Real Estate Agents in Long Beach? (FAQ)
- What Car Insurance is Cheapest for a Chevrolet Equinox in Long Beach? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)
- Cellphones, Texting and Driving (iihs.org)