Compare Ford Expedition Insurance Quotes in Pittsburgh

It’s shocking but over 70% of Pennsylvania drivers have stayed with the same insurance company for a minimum of four years, and about 40% of consumers have never quoted car insurance rates at all. With the average premium in the U.S. being $1,847, drivers can cut their rates by almost $850 a year by just shopping around, but most just don’t grasp the big savings they would realize if they bought a different policy.

It takes a little time, but the best way to get low-cost auto insurance rates in Pittsburgh is to do an annual price comparison from insurance carriers in Pennsylvania. You can compare rates by completing these steps.

First, try to understand what coverages are included in your policy and the measures you can take to keep rates down. Many risk factors that are responsible for high rates such as traffic violations, accidents, and a less-than-favorable credit score can be amended by paying attention to minor details. This article gives more ideas to prevent high prices and find missing discounts.

Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and State Farm, while agents who are independent can provide price quotes from many different companies.

Third, compare the quotes to the premium of your current policy and determine if cheaper Expedition coverage is available. If you find a lower rate quote, ensure coverage does not lapse between policies.

One thing to point out is to try to use the same coverage limits and deductibles on every price quote and and to compare as many different companies as possible. This helps ensure a fair price comparison and many rates to choose from.

Smart Buyers Know How to Quote Insurance at a Discount

Many things are considered when quoting car insurance. Most are fairly basic like an MVR report, but other factors are not as apparent such as your marital status or how financially stable you are.

The factors shown below are some of the items companies use to determine your rates.

Lower stress equals lower rates – Did you know your career choice can influence rates? Occupational choices like lawyers, airline pilots, and financial analysts are shown to have higher premium rates due to intense work situations and incredibly demanding work hours. On the other hand, jobs such as actors, athletes and the unemployed have lower than average premiums.

High credit rating translates to low costs – Your credit history will be a significant factor in determining what you pay for insurance. Drivers who have high credit scores tend to be more responsible as compared to drivers with lower credit ratings. So if your credit history can use some improvement, you may save money insuring your Ford Expedition if you improve your credit rating.

Additional coverages that may be costing you – Policies have optional add-on coverages that sound like a good idea at the time on your insurance policy. Insurance for things like rental car coverage, towing, and extra equipment coverage may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money consider taking them off your policy.

Vehicles with better crash test results save money – Safer cars tend to have lower insurance rates. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.

Mature drivers are lower risk – Teenage drivers in Pennsylvania have a tendency to be inattentive behind the wheel therefore insurance rates are much higher. If you’ve ever had to add a beginning driver to your insurance policy can really hurt. Mature drivers have been proven to be more responsible, tend to file fewer claims, and receive fewer citations.

The next chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Bundle policies and save – Most insurers give better rates to people that buy multiple policies, otherwise known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, you may still want to get quotes from other companies to confirm you are receiving the best rates possible.

Insurance loss data for Ford Expedition vehicles – Insurance companies use claims history when setting premium prices. Vehicles that tend to have a higher amount or frequency of claims will have a higher cost to insure. The data below shows the insurance loss data used by companies for Ford Expedition vehicles.

For each coverage category, the claim amount for all vehicles compiled together is equal to 100. Numbers below 100 represent a good loss history, while percentages above 100 indicate frequent claims or statistically larger losses.

Insurance statistics for a Ford Expedition

The rate table shown next outlines detailed analysis of coverage prices for Ford Expedition models. Learning how insurance premiums are established can be valuable when making informed decisions when shopping around for a new policy.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Table data does not factor in specific garaging location which can influence auto insurance rates substantially.

An analysis of deductible level

When comparing insurance rates, the most common question is how high should the physical damage deductibles be. The following insurance rates show the difference in cost between low and high coverage deductibles. The first table uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific location which can alter auto insurance rates significantly.

Based on the above data, using a $250 deductible would cost the average driver about $14 more each month or $168 a year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 18 months between claim filings, you would probably come out ahead by going with a higher deductible.

The illustration below shows how different deductible levels and can affect Ford Expedition insurance rates for different age categories. The premium estimates are based on a married male driver, full coverage, and no additional discounts are factored in.

Liability only or full coverage

The information below compares Ford Expedition yearly insurance costs with and without physical damage coverage. The information is based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Should you buy full coverage or liability only?

There is no specific rule of when to exclude physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Ford Expedition book value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your policy deductible. If it’s costing in excess of $500 annually to have full coverage, then you may want to consider only buying liability coverage.

There are some cases where only buying liability is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Pittsburgh insurance discounts for a Ford Expedition

Some insurance providers don’t necessarily list every discount they offer very clearly, so we researched some of the more common as well as the least known discounts that may be available.

• Early Signing – Some companies provide a discount for switching companies before your current coverage expires. You can save around 10% with this discount.
• Own a Home and Save – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
• Organization Discounts – Being a member of a professional or civic organization may earn a discount on your bill.
• Good Driver Discount – Safe drivers could pay up to 40% less than drivers with accidents.
• Telematics Data Discounts – People who choose to allow their insurance company to scrutinize their driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.

We need to note that some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The illustration below shows the difference between Ford Expedition auto insurance rates with and without discounts applied to the rates. The prices are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, multi-policy, safe-driver, and claim-free discounts applied.

To see providers with the best discounts in Pittsburgh, follow this link.

Pittsburgh auto insurance company ratings

Insuring your vehicle with the best auto insurance provider can be challenging considering how many companies sell insurance in Pittsburgh. The company information shown below can help you select which providers you want to consider buying from.

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 93%
2. The Hartford – 93%
3. The General – 91%
4. Progressive – 90%
5. 21st Century – 89%
6. USAA – 87%
7. Erie Insurance – 87%
8. State Farm – 87%
9. Travelers – 87%
10. Safeco Insurance – 86%

Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

In Summary

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Cheaper Ford Expedition insurance in Pittsburgh is definitely available online and from local agencies, so you need to shop Pittsburgh auto insurance with both in order to have the best chance of saving money. There are still a few companies who do not offer internet price quotes and usually these small, regional companies work with independent agencies.

For more information, feel free to browse these articles:

• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• What Auto Insurance is Cheapest with Multiple Speeding Tickets in Pittsburgh? (FAQ)
• What Car Insurance is Cheapest for Young Drivers in Pittsburgh? (FAQ)
• How Much are Auto Insurance Quotes for Government Employees in Pittsburgh? (FAQ)
• Who Has Affordable Pittsburgh Auto Insurance Quotes for Business Use? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Drivers Over Age 60 in Pittsburgh? (FAQ)
• Who Has Cheap Car Insurance for Seniors in Pittsburgh? (FAQ)
• Property Damage Coverage (Liberty Mutual)
• Car Insurance: When not to Skimp (BankRate.com)