Compare Ford Expedition Insurance Quotes in Colorado Springs

Insurance quote for Ford Expedition in Colorado SpringsHow long has it been since you sat down and looked for more affordable Ford Expedition insurance in Colorado Springs? Paying cheaper premium rates for Ford Expedition insurance in Colorado Springs can seem to be a challenge for beginners to comparison shopping online. With dozens of online companies available, it can easily become a difficult situation to locate the lowest premium rates.

Unimaginable but true, the vast majority of drivers have bought auto insurance from the same company for at least the last four years, and virtually 40% of consumers have never compared auto insurance rates at all. American insurance shoppers could save up to $860 a year just by getting comparison quotes, but they just assume it’s a time-consuming process to save money by comparing rate quotes.

It is always a good idea to get comparison quotes yearly because auto insurance prices tend to go up over time. Despite the fact that you may have had the best deal on Ford Expedition insurance in Colorado Springs at your last renewal you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in how to use the internet to find better rates and still maintain coverage.

If you have a current car insurance policy, you will definitely be able to shop for the lowest rates using these tips. These tips will let you in on how to compare rates easily and also pocket some savings But Colorado consumers do need to know how insurance companies market on the web and use this information to your advantage.

Keep in mind that comparing a large number of companies will increase your chances of finding a better price.

The companies in the list below have been selected to offer free quotes in Colorado Springs, CO. In order to find cheaper car insurance in CO, it’s highly recommended you compare several of them to get the best price comparison.

Verify you’re getting every discount

Companies offering auto insurance do not list every discount they offer in an easy-to-find place, so the list below details some of the best known and also the lesser-known credits available to you.Discount auto insurance

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.

The chart below shows the comparison of Ford Expedition insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no violations or claims, Colorado state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, marriage, and homeowner discounts applied.

Insurance companies that may offer policyholders some of the discounts shown above include:

When getting a coverage quote, ask each company what discounts are available to you. Some of the earlier mentioned discounts might not be available to policyholders in Colorado Springs. If you would like to see a list of insurers that offer discounts in Colorado Springs, click here to view.

Insurance rate breakdown

The premium information below showcases estimates of insurance coverage prices for Ford Expedition models. Having a better understanding of how insurance prices are calculated can help you make decisions on which insurance to purchase.


Ford Expedition Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $130 $196 $280 $16 $84 $706 $59
Expedition XLT 2WD $146 $238 $280 $16 $84 $764 $64
Expedition SSV 4WD $146 $238 $280 $16 $84 $764 $64
Expedition XLT 4WD $146 $238 $280 $16 $84 $764 $64
Expedition Eddie Bauer 2WD $146 $282 $280 $16 $84 $808 $67
Expedition Limited 2WD $146 $282 $280 $16 $84 $808 $67
Expedition Eddie Bauer 4WD $146 $282 $280 $16 $84 $808 $67
Expedition King Ranch 4WD $162 $282 $280 $16 $84 $824 $69
Expedition King Ranch 2WD $162 $282 $280 $16 $84 $824 $69
Expedition Limited 4WD $162 $282 $280 $16 $84 $824 $69
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can modify coverage rates greatly.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is what deductibles to buy. The rates shown below may help you to understand how much more rates are of buying low and high physical damage deductibles. The first rate estimation uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.


Ford Expedition insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $302 $448 $298 $18 $90 $1,181 $98
Expedition XLT 2WD $342 $546 $298 $18 $90 $1,319 $110
Expedition SSV 4WD $342 $546 $298 $18 $90 $1,319 $110
Expedition XLT 4WD $342 $546 $298 $18 $90 $1,319 $110
Expedition Eddie Bauer 2WD $342 $644 $298 $18 $90 $1,417 $118
Expedition Limited 2WD $342 $644 $298 $18 $90 $1,417 $118
Expedition Eddie Bauer 4WD $342 $644 $298 $18 $90 $1,417 $118
Expedition King Ranch 4WD $380 $644 $298 $18 $90 $1,455 $121
Expedition King Ranch 2WD $380 $644 $298 $18 $90 $1,455 $121
Expedition Limited 4WD $380 $644 $298 $18 $90 $1,455 $121
Get Your Own Custom Quote Go

Ford Expedition insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $168 $236 $298 $18 $90 $810 $68
Expedition XLT 2WD $190 $288 $298 $18 $90 $884 $74
Expedition SSV 4WD $190 $288 $298 $18 $90 $884 $74
Expedition XLT 4WD $190 $288 $298 $18 $90 $884 $74
Expedition Eddie Bauer 2WD $190 $340 $298 $18 $90 $936 $78
Expedition Limited 2WD $190 $340 $298 $18 $90 $936 $78
Expedition Eddie Bauer 4WD $190 $340 $298 $18 $90 $936 $78
Expedition King Ranch 4WD $210 $340 $298 $18 $90 $956 $80
Expedition King Ranch 2WD $210 $340 $298 $18 $90 $956 $80
Expedition Limited 4WD $210 $340 $298 $18 $90 $956 $80
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in zip code location which can raise or lower coverage prices significantly.

Based on these figures, using a $100 deductible will cost you about $39 more each month or $468 every year than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 23 months between claim filings, you would more than likely save some money by going with a higher deductible. Here is an example of how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $115
Average monthly premium for $1,000 deductibles (subtract): – $76
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to be aware of is that a higher deductible means you pay more out-of-pocket when you have to file a claim. You must have enough money in the bank in the event you have to pay the higher deductible in order to repair your vehicle.

Should you buy full coverage?

The example below shows the comparison of Ford Expedition insurance rates with liability coverage only compared to full coverage. The costs are based on no violations or claims, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There isn’t a written rule of when to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Ford Expedition claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are some circumstances where only buying liability is not advised. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Get rate quotes but buy from a neighborhood Colorado Springs auto insurance agent

Certain consumers prefer to buy from a local agent and there is nothing wrong with that. One of the best bonuses of price shopping on the web is you may find the lowest rates and also buy local.

Find insurance agent in Colorado SpringsTo help locate an agent, after submitting this simple form, your insurance coverage information is emailed to local insurance agents who will give you bids for your insurance coverage. You won’t even need to find an agent on your own as quotes are delivered to the email address you provide. Get lower rates without requiring a lot of work. If you want to get a price quote for a specific company, feel free to go to their quote page and complete a quote there.

Selecting a provider should include more criteria than just a cheap price. These questions are important to ask:

Below are agents in Colorado Springs who can help you get comparison quotes for Ford Expedition insurance in Colorado Springs.

More Colorado Springs agents

After getting good feedback to any questions you have and a good coverage price, it’s possible that you found a company that meets the requirements to adequately provide auto insurance.

Car insurance is unique, just like you

When choosing a policy for your vehicles, there really isn’t a one size fits all plan. Everyone’s situation is a little different and your car insurance should be unique as well.Drive safe and save
For example, these questions could help you determine if you could use an agent’s help.

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Why Informed Consumers Pay Less for Ford Expedition Insurance

Many things are part of the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but some are more obscure like where you live or how financially stable you are.

The following are most of the major factors used by insurance companies to determine your prices.

Car insurance does more than just protect your car

Even though it’s not necessarily cheap to insure a Ford in Colorado Springs, car insurance is required in Colorado but it also protects you in many ways.

The benefits of carrying enough insurance are without a doubt worth the cost, especially with large liability claims. The average driver in America is overpaying over $825 a year so smart consumers compare quotes every year to make sure the price is not too high.

More effort can pay off

We’ve covered a lot of ways to save on Ford Expedition insurance in Colorado Springs. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. Smaller companies often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm and Allstate.

Budget-conscious Ford Expedition insurance is possible on the web as well as from independent agents in Colorado Springs, so you need to quote Colorado Springs car insurance with both in order to have the best price selection to choose from. Some companies do not offer online quoting and these smaller companies prefer to sell through local independent agencies.

How to find cheaper rates for Ford Expedition insurance in Colorado Springs

If you want to find the absolute lowest rates, then the best way to get low-cost auto insurance rates in Colorado Springs is to regularly compare price quotes from insurance carriers who can sell car insurance in Colorado. Price quotes can be compared by following these steps.

One key aspect when comparing rates is to compare similar limits and deductibles on each price quote and and to look at every insurance company. Doing this enables a fair rate comparison and and a good selection of different prices.

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