Compare Ford Expedition Insurance Rate Quotes in Orlando

Unfortunately, 70% of consumers have purchased from the same company for at least four years, and nearly half have never compared rates with other companies. Many drivers in Orlando could save approximately 55% every year by just shopping around, but they underestimate the actual amount they would save if they just switched companies.

Insurance quote for Ford Expedition in OrlandoIf you want to save the most money, the best way to get discount auto insurance rates in Orlando is to start comparing prices regularly from different companies who can sell car insurance in Florida. You can compare prices by completing these steps.

An essential thing to point out is to compare similar deductibles and liability limits on each quote and and to get rates from every insurance company. This enables an accurate price comparison and plenty of rates choose from.

This article’s intent is to instruct you on the best methods to compare rates and some tricks to saving. If you have insurance now, you will surely be able to reduce premiums using this strategy. Drivers just have to know the most efficient way to compare price quotes instantly.

Cheapest auto insurance in Orlando, FL

The following companies provide free rate quotes in Florida. If your goal is to find cheap car insurance in Orlando, we recommend you visit two to three different companies to get the cheapest price.

Rates and other information

The rate table shown below covers a range of rate quotes for Ford Expedition models. Being more informed about how rates are established is important for making smart choices when choosing a car insurance company.

Ford Expedition Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $308 $522 $400 $24 $120 $1,374 $115
Expedition XLT 2WD $348 $636 $400 $24 $120 $1,528 $127
Expedition SSV 4WD $348 $636 $400 $24 $120 $1,528 $127
Expedition XLT 4WD $348 $636 $400 $24 $120 $1,528 $127
Expedition Eddie Bauer 2WD $348 $748 $400 $24 $120 $1,640 $137
Expedition Limited 2WD $348 $748 $400 $24 $120 $1,640 $137
Expedition Eddie Bauer 4WD $348 $748 $400 $24 $120 $1,640 $137
Expedition King Ranch 4WD $388 $748 $400 $24 $120 $1,680 $140
Expedition King Ranch 2WD $388 $748 $400 $24 $120 $1,680 $140
Expedition Limited 4WD $388 $748 $400 $24 $120 $1,680 $140
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific zip code location which can influence premiums noticeably.

The diagram below illustrates how choosing a deductible and can influence Ford Expedition insurance rates for each age group. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Impact of age and gender on insurance rates

The information below compares Ford Expedition car insurance rates for male and female drivers. The rate quotes are based on no accidents, no driving violations, full coverage, $250 deductibles, single status, and no other discounts are factored in.

Learn How to Buy Insurance for Less

Lots of things are part of the calculation when premium rates are determined. Some factors are common sense such as your driving history, although others are not quite as obvious such as whether you are married or how financially stable you are. A large part of saving on insurance is knowing a few of the rating criteria that go into determining your premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that could help you find better insurance rates.

The factors shown below are some of the most rate-impacting factors companies use to determine premiums.

Get discounts on Orlando insurance

Some providers don’t list the entire discount list in an easy-to-find place, so the below list has a few of the more common as well as the least known discounts that you can inquire about if you buy Orlando auto insurance online.Cheaper insurance with discounts

You should keep in mind that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like you could get a free insurance policy, it just doesn’t work that way.

The illustration below visualizes the comparison of Ford Expedition auto insurance costs with and without policy discounts. The premiums are based on a male driver, no accidents or driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, homeowner, and marriage discounts applied.

A few popular companies and some of the premium reductions they offer are:

Double check with every company what discounts are available to you. All car insurance discounts may not apply to policies in every state. For a list of providers with discount rates in Orlando, click here.

Neighborhood agents and insurance

A small number of people still like to buy from a local agent and we recommend doing that Insurance agents can help you choose the best coverages and help you file claims. A good thing about comparing rates online is that you can obtain lower rates but also keep your business local. And providing support for neighborhood insurance agencies is important especially in Orlando.

Once you complete this short form, your information is transmitted to local insurance agents in Orlando who want to provide quotes to get your business. It simplifies rate comparisons since you won’t have to visit any agencies because prices are sent directly to your email. If you need to get a price quote from a particular provider, feel free to search and find their rate quote page and fill out their quote form.

When narrowing the list to find a local insurance agency, you must know there are a couple different agency structures to choose from. Insurance agencies can either be independent or exclusive depending on the company they work for. Both can provide insurance policies, but it is important to understand how they are different since it could factor into the selection process.

Independent Insurance Agents

Independent agencies are not required to write business for one company so they can write business with an assortment of companies and get the cheapest rates. If your premiums go up, your agent can just switch to a different company and you can keep the same agent. If you need cheaper insurance rates, we recommend you include rate quotes from a couple of independent agencies to have the best price comparison. Most have the option of insuring with companies that do not advertise much which can save you money.

Below is a short list of independent insurance agencies in Orlando that can possibly get you comparison quotes.

View more Orlando agents

Exclusive Insurance Agencies

These type of agents can only provide pricing for a single company and examples are Allstate, State Farm and Farm Bureau. These agents are unable to compare other company’s rates so you might not find the best rates. Exclusive agencies are very knowledgeable on the products they sell which can be an advantage. Some consumers prefer to buy from exclusive agents partially due to the brand and solid financial strength.

Shown below is a short list of exclusive agents in Orlando that can give you price quote information.

View more Orlando agents

Picking an insurance agent needs to be determined by more than just the quoted price. You should also get answers to these questions.

Orlando car insurance companies ranked

Selecting a highly-rated insurer can be rather challenging considering how many choices there are in Florida. The company ratings shown below can help you select which coverage providers to look at putting your business with.

Top Car Insurance Companies in Florida
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

In Summary

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

Consumers leave their current company for many reasons like delays in responding to claim requests, high rates after DUI convictions, policy cancellation or even high prices. It doesn’t matter what your reason, finding the right insurance provider can be easier than you think.

Some insurance providers may not offer online price quotes and these small insurance companies provide coverage only through independent agencies. Cheaper insurance in Orlando can be purchased online in addition to many Orlando insurance agents, and you should compare rates from both to have the best rate selection.

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