Auto Insurance Rates for a Ford Expedition in Boston

Discount Ford Expedition insuranceSearching for cheaper auto insurance rates in Boston, MA? Boston drivers have lots of choices when trying to find affordable Ford Expedition insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to get rate quotes.

There is a better way to shop for auto insurance and you need to know the best way to price shop coverage for a Ford and locate the cheapest rates from Boston insurance agents and online providers.

If you are already insured or are shopping for new coverage, use these money-saving tips to find better prices without reducing protection. This article will help educate you on how car insurance quotes work and some tricks to saving. Shoppers just need to know how to get comparison quotes using one simple form.

The best way we recommend to get rate comparisons for Ford Expedition insurance in Boston is to know the trick almost all companies will pay a fee to provide you with a free rate quote. All consumers are required to do is provide information like any included safety features, what your job is, if your license is active, and marital status. Those rating factors is instantly sent to many of the top insurers and they respond with quotes quickly.

To check rates for your car now, click here and find out if lower rates are available in Boston.

The companies shown below are ready to provide comparison quotes in Boston, MA. If your goal is to find the best cheap car insurance in Massachusetts, we recommend you get rates from several of them to get the best price comparison.

Save a ton by taking advantage of discounts

Car insurance companies don’t list the entire discount list very clearly, so here is a list some of the best known and also the lesser-known credits available to lower your premiums when you buy Boston car insurance online.Discount auto insurance

Just know that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any amount of discount should definitely cut the cost of coverage.

The diagram below compares Ford Expedition auto insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, a clean driving record, no claims, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, claim-free, multi-car, and marriage discounts applied.

A few companies that have these benefits may include but are not limited to:

When quoting, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your state.

Rate information and statistics

The premium information shown below outlines a range of insurance policy prices for Ford Expedition models. Learning as much as possible about how rates are formulated can benefit drivers when making informed purchases.

Ford Expedition Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $276 $482 $370 $22 $110 $1,260 $105
Expedition XLT 2WD $312 $586 $370 $22 $110 $1,400 $117
Expedition SSV 4WD $312 $586 $370 $22 $110 $1,400 $117
Expedition XLT 4WD $312 $586 $370 $22 $110 $1,400 $117
Expedition Eddie Bauer 2WD $312 $692 $370 $22 $110 $1,506 $126
Expedition Limited 2WD $312 $692 $370 $22 $110 $1,506 $126
Expedition Eddie Bauer 4WD $312 $692 $370 $22 $110 $1,506 $126
Expedition King Ranch 4WD $348 $692 $370 $22 $110 $1,542 $129
Expedition King Ranch 2WD $348 $692 $370 $22 $110 $1,542 $129
Expedition Limited 4WD $348 $692 $370 $22 $110 $1,542 $129
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can change premium rates greatly.

An analysis of deductible level

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following insurance rates outline the cost difference when you choose different insurance deductibles. The first table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Ford Expedition insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $288 $426 $284 $16 $86 $1,125 $94
Expedition XLT 2WD $324 $520 $284 $16 $86 $1,255 $105
Expedition SSV 4WD $324 $520 $284 $16 $86 $1,255 $105
Expedition XLT 4WD $324 $520 $284 $16 $86 $1,255 $105
Expedition Eddie Bauer 2WD $324 $612 $284 $16 $86 $1,347 $112
Expedition Limited 2WD $324 $612 $284 $16 $86 $1,347 $112
Expedition Eddie Bauer 4WD $324 $612 $284 $16 $86 $1,347 $112
Expedition King Ranch 4WD $362 $612 $284 $16 $86 $1,385 $115
Expedition King Ranch 2WD $362 $612 $284 $16 $86 $1,385 $115
Expedition Limited 4WD $362 $612 $284 $16 $86 $1,385 $115
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Ford Expedition insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $210 $288 $284 $16 $86 $884 $74
Expedition XLT 2WD $236 $350 $284 $16 $86 $972 $81
Expedition SSV 4WD $236 $350 $284 $16 $86 $972 $81
Expedition XLT 4WD $236 $350 $284 $16 $86 $972 $81
Expedition Eddie Bauer 2WD $236 $414 $284 $16 $86 $1,036 $86
Expedition Limited 2WD $236 $414 $284 $16 $86 $1,036 $86
Expedition Eddie Bauer 4WD $236 $414 $284 $16 $86 $1,036 $86
Expedition King Ranch 4WD $264 $414 $284 $16 $86 $1,064 $89
Expedition King Ranch 2WD $264 $414 $284 $16 $86 $1,064 $89
Expedition Limited 4WD $264 $414 $284 $16 $86 $1,064 $89
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can revise prices substantially.

Based on this data, using a $100 deductible will cost you roughly $25 more each month or $300 every year across all Ford Expedition models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 16 months between claim filings, you would come out ahead if you choose a higher deductible.

The chart below shows how choosing a deductible and can impact Ford Expedition yearly insurance costs for different age groups of insureds. The prices are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Are insurance agencies obsolete?

Many drivers would prefer to talk to a local agent and we recommend doing that Good insurance agents can help determine the best coverages and will help you if you have claims. One of the benefits of comparing auto insurance online is you may find the lowest rates but still work with a licensed agent. Buying insurance from neighborhood insurance agencies is still important in Boston.

Find insurance agent in BostonUpon completion of this short form, the quote information is immediately sent to agents in your area who will gladly provide quotes for your insurance coverage. You never need to search for an agent because prices are sent to your email. In the event you want to get a price quote from one company in particular, you just need to search and find their rate quote page and fill out their quote form.

If you are wanting to find a reliable insurance agent, you should know the different types of agents to choose from. Agents in Boston are either independent or exclusive. Both can write policy coverage, but it’s important to point out the difference in how they write coverage since it can affect which agent you choose.

Independent Insurance Agents

Agents that elect to be independent do not have single company limitations and that allows them to write policies with many different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move the coverage in-house which is easy for the insured. If you need lower rates, we recommend you include price quotes from at least one independent agent for maximum quote selection. Most also write with companies that do not advertise much that can offer cheaper rates than bigger companies.

Listed below is a list of independent insurance agencies in Boston who may provide price quotes.

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Exclusive Agents

Exclusive agencies can only quote rates from one company like State Farm, Allstate and AAA. They are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are highly trained on sales techniques which can be an advantage. Some insured continue to purchase coverage from exclusives mainly due to the brand rather than low price.

Below is a short list of exclusive agents in Boston who can help you get rate quotes.

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Deciding on an car insurance agent requires you to look at more than just the bottom line cost. Agents should be asked these questions:

Insurance Premium Influencing Factors

Many factors are used when quoting car insurance. Some of the criteria are obvious such as traffic violations, although others are less obvious like your continuous coverage and annual miles driven.

The itemized list below are some of the items insurance companies consider when setting premiums.

Insurance does more than just protect your car

Despite the high insurance cost for a Ford Expedition in Boston, insurance may not be optional for several reasons.

The benefits of carrying adequate insurance more than offset the price you pay, especially when you need to use it. The average driver in America is overpaying over $700 annually so we recommend shopping around every year to be sure current rates are still competitive.

The best insurance company isn’t always the cheapest

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at the best cost.

Throughout this article, we presented a lot of ways to save on Ford Expedition insurance in Boston. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost Boston car insurance quotes. You may even be surprised to find that the best premium rates are with a small mutual company.

People switch companies for a variety of reasons including questionable increases in premium, delays in paying claims, an unsatisfactory settlement offer or even policy non-renewal. No matter why you want to switch, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Steps to quoting cheaper Ford Expedition insurance in Boston

If you want to save money, the best way to find affordable quotes for auto insurance rates is to compare prices regularly from insurance carriers in Boston. Prices can be compared by completing these steps.

First, try to learn a little about how car insurance works and the things you can change to prevent high rates. Many policy risk factors that cause high rates like accidents, careless driving, and poor credit history can be eliminated by making minor changes in your lifestyle.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple companies.

Third, compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide written notification to your current company to cancel your current auto insurance policy and submit a completed application and payment to your new agent or company. Make sure you put the new proof of insurance paperwork with your vehicle’s registration.

An important note is to use identical limits and deductibles on every price quote and and to get prices from every company you can. Doing this enables an apples-to-apples comparison and the most accurate and complete price analysis.

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