If you want to save the most money, the best way to get low-cost Ford Expedition insurance is to make a habit of comparing prices annually from insurance carriers that sell auto insurance in Minneapolis.
- Learn about what coverages are included in your policy and the factors you can control to keep rates down. Many rating criteria that result in higher prices such as speeding and an unacceptable credit score can be improved by making small lifestyle or driving habit changes.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while independent agents can quote rates from multiple sources.
- Compare the price quotes to your existing rates to see if cheaper Expedition coverage is available. If you find a better price, make sure coverage is continuous and does not lapse.
An important note is that you’ll want to make sure you compare identical coverage information on each quote and and to get price estimates from as many companies as feasibly possible. This helps ensure an accurate price comparison and a thorough price selection.
It’s safe to conclude that insurance companies want to keep your business as long as possible. Drivers who shop around for cheaper rates will most likely switch to a new company because they stand a good chance of finding better rates. A recent study showed that drivers who routinely compared quotes saved on average $860 a year compared to policyholders who never compared other company’s rates.
If finding low prices for car insurance in Minneapolis is your objective, then having an understanding of the best ways to shop for car insurance can help you succeed in finding affordable rates.
Locating the best insurance company for you in Minneapolis is really quite simple as long as you have a good starting point. Virtually every driver who shops around for car insurance stands a good chance to be able to find better rates. Nevertheless, Minnesota car owners do need to learn how companies calculate their prices because it can help you find the best coverage.
Lower-cost Minneapolis auto insurance quotes with discounts
Auto insurance is neither fun to buy or cheap, but you may be missing some discounts to help offset the cost. A few discounts will automatically apply when you purchase, but once in a while a discount must be specifically requested before you will receive the discount.
- Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
- Good Student Discount – Excelling in school could provide a savings of up to 20% or more. This discount can apply until age 25.
- Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
- Discount for Home Ownership – Owning a house in Minneapolis can save you money since owning and maintaining a home requires a higher level of personal finance.
- Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates.
- Passenger Safety Discount – Cars that have air bags can get savings up to 30%.
- Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
- Multi-policy Discount – If you insure your home and vehicles and insure them with the same company you will save at least 10% off all policies.
It’s important to note that some credits don’t apply to the whole policy. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.
The chart below compares Ford Expedition yearly insurance costs with and without discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, Minnesota state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, claim-free, and multi-policy discounts applied.
Companies who may offer many of the previously listed discounts include:
Double check with every prospective company what discounts are available to you. A few discounts may not be available in every state.
The fastest way that we advise to get rate comparisons for Ford Expedition insurance in Minneapolis is to realize most larger insurance companies actually pay money for the chance to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details like deductibles desired, if you lease or own, your job, and how old drivers are. Those rating factors is instantly provided to insurance companies and you get price estimates very quickly.
If you would like to start a quote now, click here and enter the information requested.
The companies in the list below provide free quotes in Minneapolis, MN. To buy cheap car insurance in Minnesota, we recommend you visit several of them to get the best price comparison.
Rates and information analytics
The data table displayed below outlines estimates of policy rates for Ford Expedition models. Being more informed about how insurance policy rates are calculated can be of help when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $272 | $418 | $364 | $22 | $108 | $1,184 | $99 |
| Expedition XLT 2WD | $308 | $508 | $364 | $22 | $108 | $1,310 | $109 |
| Expedition SSV 4WD | $308 | $508 | $364 | $22 | $108 | $1,310 | $109 |
| Expedition XLT 4WD | $308 | $508 | $364 | $22 | $108 | $1,310 | $109 |
| Expedition Eddie Bauer 2WD | $308 | $598 | $364 | $22 | $108 | $1,400 | $117 |
| Expedition Limited 2WD | $308 | $598 | $364 | $22 | $108 | $1,400 | $117 |
| Expedition Eddie Bauer 4WD | $308 | $598 | $364 | $22 | $108 | $1,400 | $117 |
| Expedition King Ranch 4WD | $342 | $598 | $364 | $22 | $108 | $1,434 | $120 |
| Expedition King Ranch 2WD | $342 | $598 | $364 | $22 | $108 | $1,434 | $120 |
| Expedition Limited 4WD | $342 | $598 | $364 | $22 | $108 | $1,434 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific location which can alter coverage rates greatly.
Deductible analysis
When buying insurance, a common question is how high should the physical damage coverage deductibles be. The comparisons below summarize the rate differences between high and low physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $246 | $340 | $270 | $16 | $80 | $977 | $81 |
| Expedition XLT 2WD | $276 | $414 | $270 | $16 | $80 | $1,081 | $90 |
| Expedition SSV 4WD | $276 | $414 | $270 | $16 | $80 | $1,081 | $90 |
| Expedition XLT 4WD | $276 | $414 | $270 | $16 | $80 | $1,081 | $90 |
| Expedition Eddie Bauer 2WD | $276 | $486 | $270 | $16 | $80 | $1,153 | $96 |
| Expedition Limited 2WD | $276 | $486 | $270 | $16 | $80 | $1,153 | $96 |
| Expedition Eddie Bauer 4WD | $276 | $486 | $270 | $16 | $80 | $1,153 | $96 |
| Expedition King Ranch 4WD | $308 | $486 | $270 | $16 | $80 | $1,185 | $99 |
| Expedition King Ranch 2WD | $308 | $486 | $270 | $16 | $80 | $1,185 | $99 |
| Expedition Limited 4WD | $308 | $486 | $270 | $16 | $80 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $200 | $274 | $270 | $16 | $80 | $840 | $70 |
| Expedition XLT 2WD | $224 | $334 | $270 | $16 | $80 | $924 | $77 |
| Expedition SSV 4WD | $224 | $334 | $270 | $16 | $80 | $924 | $77 |
| Expedition XLT 4WD | $224 | $334 | $270 | $16 | $80 | $924 | $77 |
| Expedition Eddie Bauer 2WD | $224 | $392 | $270 | $16 | $80 | $982 | $82 |
| Expedition Limited 2WD | $224 | $392 | $270 | $16 | $80 | $982 | $82 |
| Expedition Eddie Bauer 4WD | $224 | $392 | $270 | $16 | $80 | $982 | $82 |
| Expedition King Ranch 4WD | $250 | $392 | $270 | $16 | $80 | $1,008 | $84 |
| Expedition King Ranch 2WD | $250 | $392 | $270 | $16 | $80 | $1,008 | $84 |
| Expedition Limited 4WD | $250 | $392 | $270 | $16 | $80 | $1,008 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific garaging location which can alter rates considerably.
We can derive from the above data that using a $250 deductible would cost the average driver about $14 more each month or $168 for a full year averaged for all Expedition models than buying the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have more than 18 months between claim filings, you would probably save some money if you choose the higher deductible.
Impact of speeding/accidents on Minneapolis insurance rates
The illustration below illustrates how speeding tickets and at-fault fender-benders can influence Ford Expedition car insurance rates for different insured age categories. The premium estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
Your car insurance coverage should be tailored to you
When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.
- Can good grades get a discount?
- Am I covered if I back into my garage door?
- When should I remove comp and collision on my Ford Expedition?
- What does medical payments coverage do?
- How do I file an SR-22 for a DUI in Minnesota?
- Do I have ACV or replacement cost coverage?
- Can my teen drive my company car?
- What is an umbrella policy?
- When should my teen driver be added to my policy?
- Can I afford to buy a different vehicle if my Ford Expedition is totaled?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.
Buying from insurance agents
Many people just want to visit with an insurance agent and often times that is recommended One of the best bonuses of comparing rate quotes online is you can get lower prices and still have an agent to talk to.
After completing this quick form, your insurance coverage information gets sent to local insurance agents in Minneapolis that can provide free Minneapolis car insurance quotes for your coverage. You never need to contact an agency due to the fact that quote results will go to your email. It’s the lowest rates AND a local agent. If you have a need to get a rate quote from a specific company, don’t hesitate to search and find their rate quote page and complete a quote there.
Finding the right insurance company should depend on more than just a cheap price. Some important questions to ask are:
- Do they feel the quoted coverages are adequate?
- Are all drivers listed on the coverage quote?
- Which companies can they place coverage with?
- Can glass claims be handled at your home?
- Are you getting all the discounts the company offers?
Shown below are Minneapolis insurers that may be able to provide rate quotes for Ford Expedition insurance in Minneapolis.
- State Farm: Seth Bork Insurance Agency Incorporated
8347 University Ave NE D – Minneapolis, MN 55432 – (763) 780-2222 – View Map - Moreno Agency – Innovative Insurance
4748 Chicago Ave #2 – Minneapolis, MN 55407 – (612) 584-0077 – View Map - Patrick J. Thomas Agency
121 S 8th St #980 – Minneapolis, MN 55402 – (612) 339-5522 – View Map - Minneapolis Insurance Specialists Team
333 N Washington Ave – Minneapolis, MN 55401 – (612) 460-7796 – View Map
Smart shoppers get results
The cheapest Ford Expedition insurance in Minneapolis is possible from both online companies and also from your neighborhood Minneapolis agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not offer rates over the internet and these smaller companies provide coverage only through local independent agencies.
Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, not issuing a premium refund and being labeled a high risk driver. Regardless of your reason, finding a great new company is less work than it seems.
You just read some good ideas how you can find affordable Ford Expedition insurance in Minneapolis. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers may even find the best auto insurance rates are with the least-expected company.
More information is located on the following sites:
- Insurance Losses by Make and Model (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for Inexperienced Drivers in Minneapolis? (FAQ)
- Who Has Cheap Minneapolis Car Insurance Quotes for First-time Drivers? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Subaru Outback in Minneapolis? (FAQ)
- What Insurance is Cheapest for Drivers with Good Credit in Minneapolis? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)