Auto Insurance Rates for a Ford Expedition in Boston

Searching 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.

• Anti-lock Brake System – Cars with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
• Air Bag Discount – Vehicles with factory air bags may qualify for discounts of up to 25% or more.
• First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies may permit one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
• E-sign Discounts – A few companies will provide an incentive for buying your policy on the web.
• Military Rewards – Having a deployed family member could be rewarded with lower premium rates.
• Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% but check with your company.
• No Claim Discounts – Insureds with no claims or accidents pay much less when compared to bad drivers.
• Discounts for Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their Boston car insurance quote compared to accident prone drivers.
• Renewal Discounts – Select larger companies give a discount for renewing your policy before your current Expedition insurance policy expires. You can save around 10% with this discount.

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:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• GEICO

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.

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.

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.

Upon 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.

• One Call Insurance
  121 Tremont St – Boston, MA 02135 – (617) 782-2255 – View Map
• Paul Lymneos Insurance Agency
  4258 Washington St Suite 8 – Roslindale, MA 02131 – (617) 327-3870 – View Map
• Arbella Insurance
  120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222 – View Map

View more agents

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.

• AAA Boston
  125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
• Allstate Insurance: Abner Joseph
  571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map

View more agents

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

• Is there a local claims center in Boston?
• Do they make recommendations based only on price?
• How long have they been in business?
• Are you getting all the discounts the company offers?
• If you have an accident, will your rates go up?

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.

• Advanced alarm systems – Buying a car that has a built-in theft deterrent system can get you a discount on your insurance. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent vehicle theft.
• Getting married can lower rates – Being married may cut your premiums compared to being single. Having a significant other is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
• Miles impacts rates – Driving a lot of miles annually the more you’ll pay to insure your vehicle. Almost all companies calculate prices based on their usage. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your policy shows the proper vehicle usage, because it can save money. Having an incorrect usage rating on your Expedition can cost quite a bit.
• Extra policy coverages can add up – There are many extra bells and whistles that can waste your money on your insurance policy. Things like rental car coverage, accidental death, and membership fees may not be needed and are just wasting money. The coverages may be enticing when deciding what coverages you need, but now you might not need them so remove them and pocket the money.
• Liability limits are a factor – The liability section of your policy is the protection in the event that you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides for a legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.

• Male premiums may be higher – Over time, data shows women are more cautious behind the wheel. This data doesn’t prove that women are better drivers. Both sexes are in auto accidents at a similar rate, but the males cause more damage. Men also get more serious tickets like DWI (DUI) or reckless driving. Youthful male drivers generally have the highest accident percentage so they pay the highest premiums.

  The chart below illustrates the difference between Ford Expedition insurance costs for male and female drivers. The rates are based on no violations or claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.

• Maintain insurance coverage – Not maintaining insurance can get your license suspended and insurance companies will penalize you for letting your insurance expire. Not only will rates go up, not being able to provide proof of insurance might get you a steep fine or even jail time. You will then be forced to prove you have insurance by filing a SR-22 with the Massachusetts DMV.

• Claims statistics for a Ford Expedition – Insurers include the past claim trends for vehicles to calculate a price that will offset losses. Vehicles that statistically have higher claim frequency or loss amount will be charged more to insure.

  The table below demonstrates the loss history for Ford Expedition vehicles. For each type of coverage, the claim probability for all vehicles, as an average, is set at 100. Percentage values below 100 are indicative of better than average losses, while numbers that are greater than 100 show a trend for more claims or statistically larger losses.

  
  

  Ford Expedition Insurance Loss Statistics

  Make and 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

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.

• Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Expedition has a loan, most banks will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Ford at an extremely high rate and force you to reimburse them much more than you were paying before.
• Insurance protects both your Ford and your personal assets. It will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Ford as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

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.

To read more, take a look at the resources below:

• Older Drivers FAQ (iihs.org)
• Who Has the Cheapest Boston Auto Insurance Quotes for a Subaru Outback? (FAQ)
• What is the Best Auto Insurance in Boston, Massachusetts? (FAQ)
• What Car Insurance is Cheapest for a Honda Civic in Boston? (FAQ)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Auto Insurance Basics (Insurance Information Institute)