If you want to save the most money, the best way to find affordable quotes for Ford Expedition insurance in Raleigh is to do a yearly price comparison from insurers who provide auto insurance in North Carolina. Rate comparisons can be done by following these steps.
- It will benefit you to learn about what is in your policy and the measures you can take to prevent rate increases. Many factors that result in higher rates such as inattentive driving and poor credit history can be eliminated by improving your driving habits or financial responsibility. Later in this article we will cover more details to help prevent high rates and find overlooked discounts.
- Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of companies.
- Compare the new quotes to your existing rates to see if cheaper Expedition coverage is available in Raleigh. If you find a lower rate, make sure there is no lapse in coverage.
- Notify your company or agent of your decision to cancel the current policy and submit payment along with a signed and completed policy application for the new policy. Once coverage is bound, put the proof of insurance paperwork in an accessible location in your vehicle.
One tip to remember is to try to compare identical deductibles and limits on each quote and and to get rate quotes from every company you can. This guarantees the most accurate price comparison and the best price quote selection.
It’s safe to conclude that car insurance companies don’t want you shop around. People who shop around for the cheapest rate are very likely to switch companies because they stand a good chance of finding a cheaper policy. Remarkably, a study showed that consumers who compared price quotes annually saved on average $3,400 over four years as compared to drivers who don’t regularly compare prices.
If finding the cheapest price for insurance is your ultimate objective, then learning a little about how to find and compare insurance rates can make it easier to find better rates.
To get the cheapest Ford Expedition rate quotes, there a variety of ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find affordable insurance rates is simply to get online rate quotes.
Comparing free quotes online is easy and it, makes it obsolete to call or drive to all the different Raleigh insurance agencies. The ability to buy insurance online eliminates the middleman unless you prefer the guidance that only an agent can give. If you prefer, some companies allow you to compare online quotes and still use a local agent.
It’s important to know that quoting more will enable you to find more affordable rates. Not every company provides Raleigh Expedition insurance quotes online, so you should also compare prices on coverage from those companies, too.
The providers in the list below are our best choices to provide price quotes in North Carolina. To locate cheap car insurance in Raleigh, we recommend you visit as many as you can to get the most affordable price.
Why insurance is not optional
Despite the high insurance cost for a Ford Expedition in Raleigh, insurance may be mandatory for several reasons.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability coverage in order to get the vehicle licensed. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Expedition has a loan, more than likely the lender will require you to have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Ford at a much higher rate and force you to pay for the expensive policy.
- Insurance protects both your Ford and your personal assets. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers all legal expenses up to the policy limit in the event you are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than offset the price you pay, especially for larger claims. The average driver in America is currently overpaying as much as $850 per year so shop around at every policy renewal to ensure rates are competitive.
Ford Expedition detailed coverage information
The information below covers a range of insurance policy prices for Ford Expedition models. Being aware of how premiums are determined can benefit drivers when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $102 | $164 | $240 | $14 | $72 | $592 | $49 |
| Expedition XLT 2WD | $116 | $200 | $240 | $14 | $72 | $642 | $54 |
| Expedition SSV 4WD | $116 | $200 | $240 | $14 | $72 | $642 | $54 |
| Expedition XLT 4WD | $116 | $200 | $240 | $14 | $72 | $642 | $54 |
| Expedition Eddie Bauer 2WD | $116 | $236 | $240 | $14 | $72 | $678 | $57 |
| Expedition Limited 2WD | $116 | $236 | $240 | $14 | $72 | $678 | $57 |
| Expedition Eddie Bauer 4WD | $116 | $236 | $240 | $14 | $72 | $678 | $57 |
| Expedition King Ranch 4WD | $128 | $236 | $240 | $14 | $72 | $690 | $58 |
| Expedition King Ranch 2WD | $128 | $236 | $240 | $14 | $72 | $690 | $58 |
| Expedition Limited 4WD | $128 | $236 | $240 | $14 | $72 | $690 | $58 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in vehicle location which can revise premiums significantly.
Higher deductibles lower rates
One common question asked by Raleigh drivers is which deductibles should you choose. The premium rates below approximate the cost difference when you choose different deductibles. The first table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $214 | $318 | $212 | $12 | $64 | $845 | $70 |
| Expedition XLT 2WD | $242 | $386 | $212 | $12 | $64 | $941 | $78 |
| Expedition SSV 4WD | $242 | $386 | $212 | $12 | $64 | $941 | $78 |
| Expedition XLT 4WD | $242 | $386 | $212 | $12 | $64 | $941 | $78 |
| Expedition Eddie Bauer 2WD | $242 | $456 | $212 | $12 | $64 | $1,011 | $84 |
| Expedition Limited 2WD | $242 | $456 | $212 | $12 | $64 | $1,011 | $84 |
| Expedition Eddie Bauer 4WD | $242 | $456 | $212 | $12 | $64 | $1,011 | $84 |
| Expedition King Ranch 4WD | $270 | $456 | $212 | $12 | $64 | $1,039 | $87 |
| Expedition King Ranch 2WD | $270 | $456 | $212 | $12 | $64 | $1,039 | $87 |
| Expedition Limited 4WD | $270 | $456 | $212 | $12 | $64 | $1,039 | $87 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $118 | $168 | $212 | $12 | $64 | $574 | $48 |
| Expedition XLT 2WD | $134 | $204 | $212 | $12 | $64 | $626 | $52 |
| Expedition SSV 4WD | $134 | $204 | $212 | $12 | $64 | $626 | $52 |
| Expedition XLT 4WD | $134 | $204 | $212 | $12 | $64 | $626 | $52 |
| Expedition Eddie Bauer 2WD | $134 | $240 | $212 | $12 | $64 | $662 | $55 |
| Expedition Limited 2WD | $134 | $240 | $212 | $12 | $64 | $662 | $55 |
| Expedition Eddie Bauer 4WD | $134 | $240 | $212 | $12 | $64 | $662 | $55 |
| Expedition King Ranch 4WD | $150 | $240 | $212 | $12 | $64 | $678 | $57 |
| Expedition King Ranch 2WD | $150 | $240 | $212 | $12 | $64 | $678 | $57 |
| Expedition Limited 4WD | $150 | $240 | $212 | $12 | $64 | $678 | $57 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in specific zip code location which can impact rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible costs roughly $28 more each month or $336 for a full year across all Ford Expedition models than selecting 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 average at a minimum 32 months between claim filings, you would come out ahead if you opt for a higher deductible.
Ford Expedition liability-only versus full coverage
The illustration below illustrates the comparison of Ford Expedition auto insurance rates with full coverage and liability only. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There isn’t a written rule for excluding full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s say your Ford Expedition book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying over $300 annually for full coverage, then you might want to think about dropping full coverage.
There are some scenarios where only buying liability is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Take advantage of these discounts on Ford Expedition insurance in Raleigh
Companies that sell car insurance don’t always advertise every policy discount in an easy-to-find place, so the below list has some of the best known and also the more inconspicuous discounts that you may qualify for. If you’re not getting every credit you deserve, it’s possible you qualify for a lower rate.
- Accident Waiver – Not really a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
- Drive Safe and Save – Accident-free drivers can save up to 40% or more on their Raleigh auto insurance quote compared to accident prone drivers.
- No Claims – Good drivers with no accidents are rewarded with significantly better rates on Raleigh auto insurance quote compared to bad drivers.
- 55 and Retired – Older drivers may qualify for a small decrease in premiums.
- Air Bags and Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of 20% or more.
- Online Discount – A few car insurance companies give back up to $50 for signing up over the internet.
- Organization Discounts – Participating in specific professional or occupational memberships or organizations can get you a small discount on car insurance.
One last thing about discounts, most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.
The information below shows the comparison of Ford Expedition insurance costs with and without discounts applied to the rates. The premiums assume a male driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, marriage, multi-policy, and multi-car discounts applied.
Companies and their possible discounts are shown below.
- State Farm has discounts for anti-theft, Steer Clear safe driver discount, multiple autos, student away at school, and multiple policy.
- Farmers Insurance offers discounts including youthful driver, early shopping, bundle discounts, good student, multi-car, and pay in full.
- Progressive discounts include multi-policy, multi-vehicle, good student, continuous coverage, online signing, homeowner, and online quote discount.
- GEICO offers premium reductions for seat belt use, driver training, daytime running lights, multi-policy, good student, federal employee, and anti-theft.
- Auto-Owners Insurance has savings for mature driver, good student, teen driver, student away at school, safe vehicle, multi-policy, and safe driver.
- The Hartford may offer discounts for bundle, driver training, anti-theft, good student, air bag, defensive driver, and vehicle fuel type.
- Farm Bureau policyholders can earn discounts including multi-policy, youthful driver, safe driver, 55 and retired, and multi-vehicle.
- USAA may have discounts that include vehicle storage, annual mileage, multi-policy, loyalty savings, military installation, and new vehicle.
Double check with all the companies to apply every possible discount. Some credits may not apply to policies in Raleigh. If you would like to see a list of insurance companies who offer online Ford Expedition insurance quotes in Raleigh, click this link.
Exclusive or independent insurance agencies
Certain consumers still like to sit down with an agent and that is OK! The best thing about getting online price quotes is you can get cheap auto insurance rates and also buy local. Putting coverage with neighborhood agents is definitely important in Raleigh.
By using this short form, the quote information is immediately sent to agents in your area that provide free Raleigh auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to search for an agent because quoted prices will be sent directly to your email. You can get cheaper auto insurance rates and a licensed agent to talk to. If you want to compare rates from a specific auto insurance provider, don’t hesitate to go to their quote page and fill out the quote form the provide.
When finding a local agent, it can be helpful to understand the types of insurance agents to choose from. Auto insurance agencies can either be independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agencies or Brokers
These type of agents are not employed by one company and that allows them to write policies with multiple insurance companies depending on which coverage is best. If prices rise, they can switch companies in-house and the insured can keep the same agent.
If you need cheaper auto insurance rates, you will want to compare prices from multiple independent agents to have the most options to choose from.
The following are independent agents in Raleigh that can possibly get you free rate quotes.
Nationwide Insurance: Michael E Okoli Agency Inc
309 W Millbrook Rd #151 – Raleigh, NC 27609 – (919) 786-1960 – View Map
Marcus L Davis Agency
3901 Barrett Dr Suite 312 – Raleigh, NC 27609 – (919) 772-7698 – View Map
Carolina Capital Insurance Group
1100 Logger Ct., Bldg. D-101 – Raleigh, NC 27609 – (919) 747-9002 – View Map
Exclusive Auto Insurance Agents
Agents in the exclusive channel can only write with one company like American Family, State Farm, and AAA. These agents are not able to shop your coverage around so they have to upsell other benefits. Exclusive agents are well schooled on the products they sell which aids in selling service over price.
The following are Raleigh exclusive agents willing to provide price quote information.
Karen Boone – State Farm Insurance Agent
5603 Creedmoor Rd – Raleigh, NC 27612 – (919) 782-6666 – View Map
Danny Newton – State Farm Insurance Agent
6021 Poyner Village Pkwy #109 – Raleigh, NC 27616 – (919) 875-1955 – View Map
Vincent Boone – State Farm Insurance Agent
7850 Alexander Promenade PI #105 – Raleigh, NC 27617 – (919) 957-9009 – View Map
Choosing the best auto insurance agent should include more criteria than just a cheap price quote. These are valid questions to ask:
- When do they do policy reviews?
- Is vehicle mileage a factor when determining depreciation for repairs?
- How would your car be valued if totaled?
- How much can you save by raising your physical damage deductibles?
- Which insurance company do they prefer to write with?
You are unique and your insurance should be too
Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Your financial needs are unique.
Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.
- Can good grades get a discount?
- What discounts do I qualify for?
- I don’t drive much so do I pay less?
- Do I need more liability coverage?
- Is my Ford Expedition covered for smoke damage?
- Why are teen drivers so expensive to add on to my policy?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.
Quote often and quote early
When buying insurance coverage, do not reduce coverage to reduce premium. There are a lot of situations where someone dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.
Consumers leave their current company for a number of reasons such as being labeled a high risk driver, delays in responding to claim requests, high prices and delays in paying claims. It doesn’t matter why you want to switch finding a great new company can be pretty painless.
Cheaper Ford Expedition insurance in Raleigh is definitely available both online in addition to many Raleigh insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies may not have online quoting and these smaller providers only sell coverage through independent insurance agencies.
More detailed insurance information is located by following these links:
- Alcohol Impaired Driving FAQ (iihs.org)
- How Much are Raleigh Car Insurance Rates for Young Drivers? (FAQ)
- Who Has the Cheapest Raleigh Car Insurance for Low Mileage Drivers? (FAQ)
- How Much are Raleigh Auto Insurance Quotes for Postal Workers? (FAQ)
- Who Has Cheap Auto Insurance for a Dodge Ram in Raleigh? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Where can I buy Insurance? (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)
- Teen Driver Statistics (Insurance Information Institute)