Are you looking for more competitive car insurance rates in Tampa, FL? Tampa drivers have a choice when trying to find affordable Ford Expedition insurance. They can either spend hours calling around getting price quotes or use the internet to find the lowest rates.
There are more efficient ways to find car insurance online and you need to know the proper way to get price quotes for your Ford and find the lowest price from both online companies and Tampa agents.
It’s a good idea to price shop coverage before your policy renews due to the fact that insurance prices go up and down regularly. Despite the fact that you may have had the best price on Ford Expedition insurance in Tampa a few years ago you may be paying too much now. Ignore everything you know about car insurance because you’re going to learn the best methods to properly buy coverages and cut your premium.
Our goal in writing this article teach you a little about how to compare rates easily and some tricks to saving. If you already have coverage, you stand a good chance to be able to reduce the price you pay using the following tips. You just need to understand the fastest way to get comparison rates over the internet.
Finding Ford Expedition insurance in Tampa, Florida
Finding a lower price on Ford Expedition insurance is a fairly straight forward process. You just need to take the time to compare rates to see which company has inexpensive Tampa auto insurance quotes.
The auto insurance companies shown below can provide comparison quotes in Tampa, FL. To get cheap car insurance in Tampa, it’s highly recommended you visit several of them to find the lowest auto insurance rates.
Rates and detailed analysis
The rate information displayed below outlines detailed analysis of insurance policy prices for Ford Expedition models. Having a better idea how insurance rates are determined helps drivers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $308 | $522 | $372 | $22 | $112 | $1,336 | $111 |
| Expedition XLT 2WD | $348 | $636 | $372 | $22 | $112 | $1,490 | $124 |
| Expedition SSV 4WD | $348 | $636 | $372 | $22 | $112 | $1,490 | $124 |
| Expedition XLT 4WD | $348 | $636 | $372 | $22 | $112 | $1,490 | $124 |
| Expedition Eddie Bauer 2WD | $348 | $748 | $372 | $22 | $112 | $1,602 | $134 |
| Expedition Limited 2WD | $348 | $748 | $372 | $22 | $112 | $1,602 | $134 |
| Expedition Eddie Bauer 4WD | $348 | $748 | $372 | $22 | $112 | $1,602 | $134 |
| Expedition King Ranch 4WD | $388 | $748 | $372 | $22 | $112 | $1,642 | $137 |
| Expedition King Ranch 2WD | $388 | $748 | $372 | $22 | $112 | $1,642 | $137 |
| Expedition Limited 4WD | $388 | $748 | $372 | $22 | $112 | $1,642 | $137 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in specific zip code location which can increase or decrease price quotes significantly.
Higher deductibles lower rates
A question often asked by Tampa drivers is which deductible level should you buy. The comparisons below highlight how much more you’ll pay when you select higher and lower deductibles. The first table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $322 | $446 | $354 | $20 | $106 | $1,273 | $106 |
| Expedition XLT 2WD | $364 | $544 | $354 | $20 | $106 | $1,413 | $118 |
| Expedition SSV 4WD | $364 | $544 | $354 | $20 | $106 | $1,413 | $118 |
| Expedition XLT 4WD | $364 | $544 | $354 | $20 | $106 | $1,413 | $118 |
| Expedition Eddie Bauer 2WD | $364 | $640 | $354 | $20 | $106 | $1,509 | $126 |
| Expedition Limited 2WD | $364 | $640 | $354 | $20 | $106 | $1,509 | $126 |
| Expedition Eddie Bauer 4WD | $364 | $640 | $354 | $20 | $106 | $1,509 | $126 |
| Expedition King Ranch 4WD | $406 | $640 | $354 | $20 | $106 | $1,551 | $129 |
| Expedition King Ranch 2WD | $406 | $640 | $354 | $20 | $106 | $1,551 | $129 |
| Expedition Limited 4WD | $406 | $640 | $354 | $20 | $106 | $1,551 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $262 | $360 | $354 | $20 | $106 | $1,102 | $92 |
| Expedition XLT 2WD | $296 | $438 | $354 | $20 | $106 | $1,214 | $101 |
| Expedition SSV 4WD | $296 | $438 | $354 | $20 | $106 | $1,214 | $101 |
| Expedition XLT 4WD | $296 | $438 | $354 | $20 | $106 | $1,214 | $101 |
| Expedition Eddie Bauer 2WD | $296 | $516 | $354 | $20 | $106 | $1,292 | $108 |
| Expedition Limited 2WD | $296 | $516 | $354 | $20 | $106 | $1,292 | $108 |
| Expedition Eddie Bauer 4WD | $296 | $516 | $354 | $20 | $106 | $1,292 | $108 |
| Expedition King Ranch 4WD | $330 | $516 | $354 | $20 | $106 | $1,326 | $111 |
| Expedition King Ranch 2WD | $330 | $516 | $354 | $20 | $106 | $1,326 | $111 |
| Expedition Limited 4WD | $330 | $516 | $354 | $20 | $106 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in zip code location which can change premium rates significantly.
Based on the figures above, using a $250 deductible costs an average of $18 more each month or $216 for a full year averaged for all Expedition models than opting for 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 more than 14 months between claim filings, you would probably save some money by going with a higher deductible.
Gender-based car insurance rates by age
The example below illustrates the difference between Ford Expedition auto insurance rates for male and female drivers. The costs are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are taken into consideration.
Liability only or full coverage
The information below shows the comparison of Ford Expedition car insurance costs with and without full coverage. The rates are based on no claims or violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
When to drop full coverage
There isn’t a written rule for excluding full coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Ford Expedition replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying more than $500 a year for full coverage, then it may be the right time to buy liability only.
There are some cases where removing full coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Car insurance discounts are available for cheaper rates
Car insurance companies don’t necessarily list every discount in an easy-to-find place, so the list below gives a summary of some of the more common as well as the least known savings tricks you should be using when you buy Tampa auto insurance online.
- Mature Driver Discount – Mature drivers may receive better car insurance rates.
- Discounts for Cautious Drivers – Safe drivers can save as much as half off their rates than less cautious drivers.
- Low Mileage Discounts – Keeping the miles down on your Ford could be rewarded with cheaper prices.
- Organization Discounts – Joining qualifying clubs or civic groups is a good way to get lower rates on car insurance.
- Paperless Signup – A few larger online companies will discount your bill up to fifty bucks shop Tampa auto insurance on your computer.
- Data Collection Discounts – Drivers who elect to allow their company to analyze where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
- Good Students Pay Less – Being a good student can save 20 to 25%. The discount lasts up to age 25.
- Military Deployment Discount – Being on active duty in the military could trigger a small discount.
Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.
The example below illustrates the difference between Ford Expedition car insurance rates with and without discounts applied to the policy premium. The data assumes a male driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, safe-driver, marriage, and claim-free discounts applied.
Larger car insurance companies and the discounts they provide include:
- American Family discounts include accident-free, mySafetyValet, multi-vehicle, air bags, and good student.
- Nationwide includes discounts for accident-free, multi-policy, easy pay, defensive driving, business or organization, good student, and anti-theft.
- MetLife offers premium reductions for good student, accident-free, multi-policy, claim-free, and defensive driver.
- 21st Century offers discounts including student driver, good student, homeowners, defensive driver, and teen driver.
- Farmers Insurance may offer discounts for bundle discounts, good student, mature driver, distant student, business and professional, pay in full, and alternative fuel.
- Allstate has savings for premier discount, passive restraint, defensive driver, anti-lock brakes, 55 and retired, auto/life discount, and senior citizen.
Before you buy a policy, ask all companies you are considering which discounts they offer. Some of the earlier mentioned discounts may not be offered in your area.
Why you need to buy car insurance
Even though it can be expensive, car insurance is required for several reasons.
First, just about all states have mandatory liability insurance requirements which means state laws require specific limits of liability insurance if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your vehicle, almost every bank will stipulate that you have insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Ford at an extremely high rate and require you to reimburse them for the much more expensive policy.
Third, car insurance protects both your Ford and your assets. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. But the average American driver is overpaying over $810 a year so compare quotes from several companies every year to save money.
When should I talk to an agent?
Some people would rather talk to an insurance agent and that is a personal choice. Good agents can help you build your policy and help file insurance claims. One of the benefits of getting free rate quotes online is that you can find cheap insurance rates but also keep your business local. Putting coverage with neighborhood agents is especially important in Tampa.
Upon completion of this quick form, the coverage information is submitted to companies in Tampa who will return price quotes for your business. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go to your email. If you wish to quote rates for a specific company, you can always find their quoting web page and submit a quote form there.
What type of Tampa car insurance agent is right for you?
If you want to use a reliable insurance agency, you must know there are a couple different agency structures that you can choose from. Tampa agents can either be exclusive or independent. Both can insure your vehicles, but it’s worth learning the differences since it can affect the selection process.
Independent Insurance Agencies or Brokers
Agents that elect to be independent do not work for one specific company and that gives them the ability to insure with lots of companies and find you cheaper rates. If premiums increase, they simply move your policy to a different company and you stay with the same agent.
If you need cheaper insurance rates, we highly recommend that you include rate quotes from a few independent agents so that you can do a thorough price comparison. Many independent agencies also insure through additional companies that you may not be familiar with which may have better rates.
Listed below are independent insurance agents in Tampa that may be able to provide comparison quotes.
- Varcas Insurance Agency LLC
1721 W Hillsborough Ave – Tampa, FL 33603 – (813) 319-1940 – View Map - Global FIS – A Full Service Independant Insurance Agency
8710 W Hillsborough Ave #201 – Tampa, FL 33615 – (813) 343-0844 – View Map - Adcock-Adcock Insurance Agency
315 W Fletcher Ave – Tampa, FL 33612 – (813) 933-6691 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive generally can only insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on their company’s products which helps them sell on service rather than price. Consumers often buy insurance from these agents mostly because of the brand and solid financial strength.
Listed below are Tampa exclusive insurance agencies that can give you comparison quotes.
- GEICO Insurance Agent
2703 W Kennedy Blvd – Tampa, FL 33609 – (813) 259-1142 – View Map - Jerry Perez – State Farm Insurance Agent
9724 N Armenia Ave #200 – Tampa, FL 33612 – (813) 931-3000 – View Map - Patricia Potts – State Farm Insurance Agent
4644 W Gandy Blvd #5 – Tampa, FL 33611 – (813) 286-3077 – View Map
Choosing an auto insurance agent should depend on more than just a cheap price. Any agent in Tampa should be forthright in answering these questions:
- Will the agent or a CSR service your policy?
- Does the agency provide any after hours assistance?
- Is the quote a firm price?
- Are they properly licensed to sell insurance in Florida?
- How will an accident affect your rates?
- Do they have any clout with companies to ensure a fair claim settlement?
- How are claims handled?
- How many companies do they write for?