Save on Ford Expedition Insurance in Dallas

The best way we recommend to save on Ford Expedition insurance is to regularly compare quotes from companies in Dallas.

A crucial key to this process is to use the same coverage limits and deductibles on each price quote and to quote with as many different companies as possible. This guarantees a level playing field and a complete rate analysis.

Discount Ford Expedition insuranceIt’s amazing but over 70% of consumers have bought auto insurance from the same company for a minimum of four years, and just under half have never even compared rates from other companies. Dallas drivers could save 70% every year just by shopping around, but they don’t understand how simple it is to compare rate quotes online.

If you have coverage now or are shopping for new coverage, you can use this information to reduce premiums and still get good coverage. Finding the cheapest insurance coverage in Dallas is not rocket science. Smart shoppers just have to understand the proper methods to get comparison quotes using one simple form.

Lowering your car insurance rates is actually easier than you may think. All you need to do is take the time comparing price quotes from some recommended companies.

Getting free quotes online is quite simple, and it makes it obsolete to go to different Dallas agent offices. Quoting and buying Ford Expedition insurance online eliminates this option unless you have a need for the advice and guidance of an agent trained in personal lines coverage. Drivers can price shop your coverage online and have a local agent actually service the policy.

The following companies offer price comparisons in Texas. If multiple companies are shown, we recommend you visit two to three different companies to find the cheapest car insurance rates.

Do you qualify for discounts?

Car insurance companies do not advertise their entire list of discounts in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious discounts that may be available.Save money with discounts

Consumers should know that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, it’s just not the way it works.

The information below shows the difference between Ford Expedition insurance costs with and without discounts applied to the rates. The data is based on a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, homeowner, and safe-driver discounts applied.

To choose insurers that have a full spectrum of discounts in Texas, click this link.

Coverage information

The data table shown below outlines detailed analysis of coverage prices for Ford Expedition models. Understanding how insurance prices are determined can be useful when making smart choices when comparing insurance quotes.


Ford Expedition Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $182 $256 $324 $20 $96 $878 $73
Expedition XLT 2WD $206 $312 $324 $20 $96 $958 $80
Expedition SSV 4WD $206 $312 $324 $20 $96 $958 $80
Expedition XLT 4WD $206 $312 $324 $20 $96 $958 $80
Expedition Eddie Bauer 2WD $206 $368 $324 $20 $96 $1,014 $85
Expedition Limited 2WD $206 $368 $324 $20 $96 $1,014 $85
Expedition Eddie Bauer 4WD $206 $368 $324 $20 $96 $1,014 $85
Expedition King Ranch 4WD $228 $368 $324 $20 $96 $1,036 $86
Expedition King Ranch 2WD $228 $368 $324 $20 $96 $1,036 $86
Expedition Limited 4WD $228 $368 $324 $20 $96 $1,036 $86
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific Dallas garaging location which can influence rates significantly.

An analysis of deductible level

The hardest decision when buying coverage is where to set your physical damage deductibles. The rates below may help to conceptualize the difference in cost when you choose different comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.


Ford Expedition insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $294 $408 $324 $20 $96 $1,167 $97
Expedition XLT 2WD $332 $496 $324 $20 $96 $1,293 $108
Expedition SSV 4WD $332 $496 $324 $20 $96 $1,293 $108
Expedition XLT 4WD $332 $496 $324 $20 $96 $1,293 $108
Expedition Eddie Bauer 2WD $332 $584 $324 $20 $96 $1,381 $115
Expedition Limited 2WD $332 $584 $324 $20 $96 $1,381 $115
Expedition Eddie Bauer 4WD $332 $584 $324 $20 $96 $1,381 $115
Expedition King Ranch 4WD $370 $584 $324 $20 $96 $1,419 $118
Expedition King Ranch 2WD $370 $584 $324 $20 $96 $1,419 $118
Expedition Limited 4WD $370 $584 $324 $20 $96 $1,419 $118
Get Your Own Custom Quote Go

Ford Expedition insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $182 $256 $324 $20 $96 $878 $73
Expedition XLT 2WD $206 $312 $324 $20 $96 $958 $80
Expedition SSV 4WD $206 $312 $324 $20 $96 $958 $80
Expedition XLT 4WD $206 $312 $324 $20 $96 $958 $80
Expedition Eddie Bauer 2WD $206 $368 $324 $20 $96 $1,014 $85
Expedition Limited 2WD $206 $368 $324 $20 $96 $1,014 $85
Expedition Eddie Bauer 4WD $206 $368 $324 $20 $96 $1,014 $85
Expedition King Ranch 4WD $228 $368 $324 $20 $96 $1,036 $86
Expedition King Ranch 2WD $228 $368 $324 $20 $96 $1,036 $86
Expedition Limited 4WD $228 $368 $324 $20 $96 $1,036 $86
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific location which can lower or raise prices considerably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $29 more each month or $348 every year across all Ford Expedition models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 26 months between claim filings, you would save money if you choose a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $112
Average monthly premium for $1,000 deductibles (subtract): – $83
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One thing to be aware of is that a higher deductible level means you will have to cover more of the damage yourself when you file a claim. You need to have enough money in the bank in the event you need to pay the deductible to have repairs made.

Violations and accidents raise rates

The diagram below illustrates how speeding tickets and at-fault claims can influence Ford Expedition insurance rates for different ages of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

How much more does full coverage cost?

The information below illustrates the comparison of Ford Expedition insurance prices when comparing full coverage to liability only. The premiums assume no accidents, no driving violations, $250 deductibles, single status, and no other discounts are factored in.

When to drop full coverage

There is no written rule to eliminate comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Ford Expedition replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 a year to have full coverage, then you may need to consider dropping full coverage.

There are some circumstances where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Why Your Insurance Premiums might be higher

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that play a part in calculating the rates you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with big savings.