Ford Expedition Insurance Rate Quotes in Miami

Really, the only way to quote cheaper Ford Expedition insurance is to regularly compare quotes from different companies who sell auto insurance in Miami.

Step 1: Take a few minutes and learn about how car insurance works and the factors you can control to drop your rates. Many risk factors that result in higher rates such as traffic violations, accidents, and an unacceptable credit history can be eliminated by improving your driving habits or financial responsibility. This article gives additional ideas to find cheap prices and find missing discounts.

Step 2: Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while independent agents can provide prices for a wide range of companies.

Step 3: Compare the quotes to your current policy and see if you can save money. If you can save money and make a switch, ensure there is no coverage lapse between policies.

Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit the application along with any required down payment for your new policy. Be sure to place the new certificate verifying proof of insurance with the vehicle registration.

A good tip to remember is to use identical limits and deductibles on each quote request and and to get rate quotes from as many different companies as possible. This guarantees the most accurate price comparison and plenty of rates choose from.

Insurance rates Ford Expedition in MiamiIt’s hard to fathom, but a large majority of drivers have bought auto insurance from the same company for at least four years, and almost 40% of drivers have never even compared quotes to find cheap rates. Many consumers in Miami could save almost 55% a year just by comparing rates, but they just don’t understand how easy it is to find cheap auto insurance rates.

Learn How to Get Auto Insurance More Affordably

Many different elements are used when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but others are not as apparent like your vehicle usage or your vehicle rating.

The factors shown below are some of the items utilized by car insurance companies to help set your rate level.

Analysis of coverages

The information shown next outlines a range of insurance coverage prices for Ford Expedition models. Learning how premiums are figured can help drivers make smart policy decisions.


Ford Expedition Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $278 $438 $372 $22 $112 $1,222 $102
Expedition XLT 2WD $312 $532 $372 $22 $112 $1,350 $113
Expedition SSV 4WD $312 $532 $372 $22 $112 $1,350 $113
Expedition XLT 4WD $312 $532 $372 $22 $112 $1,350 $113
Expedition Eddie Bauer 2WD $312 $628 $372 $22 $112 $1,446 $121
Expedition Limited 2WD $312 $628 $372 $22 $112 $1,446 $121
Expedition Eddie Bauer 4WD $312 $628 $372 $22 $112 $1,446 $121
Expedition King Ranch 4WD $348 $628 $372 $22 $112 $1,482 $124
Expedition King Ranch 2WD $348 $628 $372 $22 $112 $1,482 $124
Expedition Limited 4WD $348 $628 $372 $22 $112 $1,482 $124
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific Miami garaging location which can modify auto insurance rates substantially.

Deductible comparison

One common question asked by Miami drivers is how high should the deductibles for physical damage be. The following tables can help illustrate how much more rates are when you select higher and lower insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.


Ford Expedition insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $358 $532 $354 $20 $106 $1,395 $116
Expedition XLT 2WD $406 $648 $354 $20 $106 $1,559 $130
Expedition SSV 4WD $406 $648 $354 $20 $106 $1,559 $130
Expedition XLT 4WD $406 $648 $354 $20 $106 $1,559 $130
Expedition Eddie Bauer 2WD $406 $764 $354 $20 $106 $1,675 $140
Expedition Limited 2WD $406 $764 $354 $20 $106 $1,675 $140
Expedition Eddie Bauer 4WD $406 $764 $354 $20 $106 $1,675 $140
Expedition King Ranch 4WD $452 $764 $354 $20 $106 $1,721 $143
Expedition King Ranch 2WD $452 $764 $354 $20 $106 $1,721 $143
Expedition Limited 4WD $452 $764 $354 $20 $106 $1,721 $143
Get Your Own Custom Quote Go

Ford Expedition insurance with $500 deductibles
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

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific zip code location which can revise rates substantially.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $31 more each month or $372 for a full year than requesting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 13 months between claim filings, you would probably save some money if you choose the higher deductible.

Ford Expedition liability rates compared to full coverage

The illustration below illustrates the comparison of Ford Expedition annual premium costs with full coverage and liability only. The information is based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no clear-cut rule to eliminate physical damage insurance, but there is a general convention. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your Ford Expedition claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for full coverage, then it could be time to drop full coverage.

There are some circumstances where only buying liability is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Cheaper rates by applying discounts

Companies that sell car insurance don’t list all possible discounts in an easy-to-find place, so below is a list a few of the more well known as well as the least known credits available to you.Discount auto insurance

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous.

The diagram below shows the difference between Ford Expedition auto insurance costs with and without discounts being applied to the rates. Data assumes a female driver, no accidents, no driving violations, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, multi-policy, marriage, and claim-free discounts applied.

To see a list of companies that offer some of these discounts in Florida, click here.

Auto insurance savings summarized

When trying to cut insurance costs, do not buy less coverage just to save a little money. In many instances, consumers will sacrifice liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Some insurance companies may not have rates over the internet and many times these regional carriers work with independent insurance agents. Budget-conscious Ford Expedition insurance can be purchased from both online companies in addition to local insurance agencies, so compare prices from both in order to have the best price selection to choose from.

Additional auto insurance information can be found on the following sites: