Cheapest Virginia Beach Ford Expedition Insurance

The best way we recommend to get discount car insurance rates in Virginia Beach is to make a habit of comparing prices annually from insurers in Virginia.

1. Try to understand coverages and the steps you can take to lower rates. Many risk factors that result in higher prices like at-fault accidents and a less-than-favorable credit history can be rectified by making small lifestyle or driving habit changes.
2. Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from many different companies.
3. Compare the new quotes to your current policy premium to see if a cheaper price is available in Virginia Beach. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
4. Give notification to your agent or company to cancel your existing policy and submit a down payment along with a signed application for the new coverage. As soon as coverage is bound, safely store the proof of insurance certificate in your glove compartment.

The critical component of shopping around is that you’ll want to compare similar deductibles and liability limits on every quote request and and to get rates from as many carriers as you can. Doing this enables an apples-to-apples comparison and many rates to choose from.

We don’t have to tell you that car insurance companies don’t want you to look at other companies. Insureds who get price quotes annually are inclined to switch to a new company because the odds are good of finding good coverage at a lower price. A recent study showed that drivers who regularly compared rates saved an average of $860 a year as compared to drivers who never shopped around for lower prices.

If finding low prices for Ford Expedition insurance in Virginia Beach is the reason you’re reading this, then having an understanding of how to find and compare coverage rates can make it easier for you to save money.

Best companies for Ford Expedition insurance

The companies shown below have been selected to offer price quotes in Virginia. If your goal is to find cheap car insurance in Virginia Beach, VA, we suggest you click on several of them to find the most affordable car insurance rates.

Car insurance statistics for a Ford Expedition

The coverage table displayed below covers a range of insurance prices for Ford Expedition models. Knowing how auto insurance prices are formulated is important for drivers to make informed coverage decisions.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in specific zip code location which can affect prices considerably.

Physical damage deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates shown below determine the cost difference between high and low physical damage coverage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific location which can alter premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $28 more each month or $336 a year than choosing the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 32 months between claims, you would save money if you opt for a higher deductible.

The information below shows how different deductible levels and can increase or decrease Ford Expedition insurance rates for different age categories. The prices are based on a single female driver, comp and collision included, and no other discounts are factored in.

Gender-based car insurance premiums

The information below shows the difference between Ford Expedition insurance premiums for male and female drivers. Data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied.

Ford Expedition full coverage rates compared to liability only

The diagram below shows the difference between Ford Expedition premium costs with full physical damage coverage compared to only buying liability only. The rates are based on no claims or violations, $500 deductibles, single status, and no discounts are factored in.

When to drop full coverage

There isn’t a written rule for excluding physical damage coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your Ford Expedition replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying your policy deductible. If you are paying in excess of $800 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some circumstances where buying only liability insurance is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Why Informed Consumers Pay Less for Ford Expedition Insurance

The best way to find cheaper car insurance is to take a look at some of the elements that are used to determine the price you pay for car insurance. If you know what determines base rates, this helps enable you to make changes that can earn you better car insurance rates.

• Improve your credit history and save – A driver’s credit score will be a significant factor in determining premium rates. So if your credit rating could use some work, you could be paying less to insure your Ford Expedition if you improve your credit rating. Insureds with high credit ratings tend to be less risk to insure than those with lower credit ratings.

• Is your car built for speed? – The make and model of the car or truck you drive makes a substantial difference in your car insurance bill. Low performance passenger cars receive the most favorable rates, but your final cost has many other factors.

  The chart below uses these assumptions: single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It compares Ford Expedition policy rates compared to other models of vehicles that have a range of performances.

• Certain vocations raise prices – Occupations like military generals, executives, and financial analysts usually pay higher rates than the rest of us attributed to stressful work requirements and lots of time spent at work. On the other hand, jobs such as professors, athletes and retirees have the lowest average rates.
• Incidental coverages may not be needed – There are quite a few extra add-on coverages you can purchase if you aren’t diligent. Insurance for things like rental car coverage, accidental death, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea at first, but now you might not need them so consider taking them off your policy.

• Insurance loss probability for a Ford Expedition – Companies study historical loss data to calculate a rate that will offset any claims. Vehicles that historically have higher prevalence or dollar amount of losses will have a higher premium rate.

  The data below shows the actual insurance loss data for Ford Expedition vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage values below 100 indicate better than average losses, while values that are above 100 indicate a higher chance of having a claim or tendency to have higher losses.

  
  

  Car Insurance Loss Data for Ford Expedition Models

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car insurance policy discounts for Ford Expedition insurance in Virginia Beach

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. Many discounts should be triggered when you get a quote, but lesser-known reductions have to be asked about prior to getting the savings.

• New Vehicle Savings – Buying a new car instead of a used Expedition can cost up to 25% less since newer vehicles have better safety ratings.
• Life Insurance Discount – Some insurance carriers give a small discount if you purchase auto and life insurance together.
• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Distant Student Discount – Youth drivers who are enrolled in higher education away from home and don’t have a car can receive lower rates.
• Passenger Safety Discount – Factory air bags could see savings of 20% or more.
• Onboard Data Collection – Drivers that enable their car insurance company to spy on driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
• Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
• Theft Prevention System – Cars optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your Virginia Beach auto insurance quote.
• Paperless Signup – A few insurance companies will give a small break for signing up digitally online.
• Defensive Driver Discount – Taking a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

The illustration below shows the difference between Ford Expedition car insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, no claims or violations, Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, marriage, multi-policy, and homeowner discounts applied.

Companies and their possible discounts can be read below.

• AAA offers discounts including multi-policy, AAA membership discount, multi-car, good student, education and occupation, and pay-in-full.
• Progressive offers discounts for online signing, homeowner, continuous coverage, good student, and multi-vehicle.
• State Farm discounts include Drive Safe & Save, defensive driving training, multiple policy, good driver, Steer Clear safe driver discount, safe vehicle, and student away at school.
• Esurance may offer discounts for emergency road assistance, claim free, safety device, Pac-12 alumni, anti-lock brakes, multi-car, and defensive driver.
• Nationwide has discounts for multi-policy, family plan, easy pay, anti-theft, business or organization, Farm Bureau membership, and good student.

When comparing rates, check with each company or agent which discounts they offer. Some credits might not be offered on policies in every state. If you would like to see a list of car insurance companies that offer discounts in Virginia Beach, follow this link.

Neighborhood agents and auto insurance

Many people just want to visit with an insurance agent and often times that is recommended One of the best bonuses of comparing insurance prices online is the fact that you can find cheap rate quotes but still work with a licensed agent.

To help locate an agent, after submitting this simple form, your insurance data is transmitted to insurance agents in Virginia Beach that provide free Virginia Beach auto insurance quotes for your auto insurance coverage. You never need to search for an agent since price quotes are sent to the email address you provide. It’s the lowest rates and a licensed agent to talk to. If you have a need to get a comparison quote for a specific company, feel free to jump over to their website and give them your coverage information.

Picking the best insurance company should depend on more than just the premium amount. Below are some questions you should ask.

• Do you work with a CSR or direct with the agent?
• What is their Better Business Bureau rating?
• How much can you save by raising your physical damage deductibles?
• Do they offer claims assistance after hours?
• Do the coverages you’re quoting properly cover your vehicle?
• Do they have designations such as AIC, CPCU, or CIC?

What type of Virginia Beach auto insurance agent is right for you?

If you want to use a local Virginia Beach insurance agency, you need to know there are two different types of agencies that you can select. Auto insurance policy providers are considered either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only place business with one company like American Family, State Farm, and AAA. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are usually well trained on their company’s products which helps them compete with independent agents.

Below are exclusive insurance agents in Virginia Beach that are able to give comparison quotes.

View more Virginia Beach agents

Independent Agencies or Brokers

Independent agents are not employed by one company and that allows them to write policies through lots of different companies and get the cheapest rates. If they find a lower price, they simply move the coverage in-house and you stay with the same agent.

When searching for an agent, you will definitely want to include price quotes from multiple independent agents to maximize your price options.

The following are Virginia Beach independent agencies that can give you comparison quotes.

View more Virginia Beach agents

What is the best auto insurance company in Virginia?

Selecting a high-quality company is hard considering how many choices drivers have in Virginia. The ranking data displayed below may help you choose which car insurance providers to look at comparing rates with.

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Don’t give up on affordable rates

As you quote Virginia Beach auto insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford, but do not skimp to save money.

Some companies may not provide price quotes online and usually these smaller providers sell through independent agents. Cheaper Ford Expedition insurance in Virginia Beach can be purchased from both online companies in addition to many Virginia Beach insurance agents, and you need to price shop both in order to have the best chance of saving money.

We’ve covered some good ideas how to lower your Ford Expedition insurance car insurance rates in Virginia Beach. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the best car insurance rates are with some of the lesser-known companies. Some small companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

For more information, feel free to browse these articles:

• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
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• Who Has the Cheapest Virginia Beach Auto Insurance for Veterans? (FAQ)
• How Much are Auto Insurance Rates for a Toyota RAV4 in Virginia Beach? (FAQ)
• Who Has Affordable Car Insurance Quotes for Young Drivers in Virginia Beach? (FAQ)
• Who Has Affordable Auto Insurance for a 20 Year Old Male in Virginia Beach? (FAQ)
• What Insurance is Cheapest for a Subaru Forester in Virginia Beach? (FAQ)
• Winter Driving (Insurance Information Institute)
• Learn About Car Insurance (GEICO)