Shopping for cheap Henderson Ford Expedition insurance quotes might appear rather difficult for people that are not comfortable with quoting and comparison shopping online. With so many agents and insurers available, how can people possibly compare them all to find better prices?
How to find lower priced Ford Expedition insurance in Henderson
If saving money is your primary concern, then the best way to get discount Ford Expedition insurance in Henderson is to compare prices annually from companies that sell auto insurance in Nevada. You can compare rates by following these guidelines.
Step 1: Read and learn about the coverage provided by your policy and the measures you can take to drop your rates. Many factors that result in higher rates like tickets, at-fault accidents, and an unacceptable credit rating can be rectified by paying attention to minor details.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of companies.
Step 3: Compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
An important part of this process is to make sure you’re comparing identical coverages on every price quote and and to compare as many auto insurance providers as possible. This ensures a fair rate comparison and plenty of rates choose from.
It’s an obvious conclusion that insurance companies want to keep your business as long as possible. Consumers who compare other prices will most likely switch companies because of the good chance of finding a policy with better rates. A recent auto insurance study revealed that drivers who compared rates regularly saved about $850 each year compared to other drivers who never shopped around for cheaper prices.
If finding the cheapest price for Ford Expedition insurance is your target objective, then learning a little about the best ways to shop for insurance rates can make it easier to find better rates.
It’s smart to do price comparisons quite often because auto insurance prices are rarely the same from one policy term to another. If you had the best deal on Ford Expedition insurance in Henderson a couple years back other companies may now be cheaper. There is a lot of bad information regarding Expedition insurance on the internet, but in a few minutes you can learn some of the best techniques to find cheap auto insurance in Henderson.
Finding affordable auto insurance coverage in Henderson can be easy if you know a few tricks. If you have auto insurance now, you will most likely be able to get lower rates using the ideas presented in this article. Although Nevada drivers need to have an understanding of the way insurance companies price online insurance because rates fluctuate considerably.
Keep in mind that more quotes helps improve the odds of finding a lower rate.
The companies shown below offer free rate quotes in Henderson, NV. If you want to find cheaper car insurance in Nevada, it’s highly recommended you click on several of them to get the most affordable price.
Choosing the best Expedition insurance in Nevada is an important decision
Despite the high insurance cost for a Ford Expedition in Henderson, maintaining insurance is required in Nevada but it also protects you in many ways.
- Just about all states have minimum liability requirements which means the state requires a minimum amount of liability if you drive a vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Ford, almost every bank will require that you buy insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Ford at a much higher rate and make you pay the higher premium.
- Insurance protects both your assets and your Ford Expedition. Insurance will pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying insurance are definitely more than the cost, especially for larger claims. The average driver in America is overpaying over $750 every year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.
Auto insurance statistics for a Ford Expedition
The table displayed below highlights different insurance costs for Ford Expedition models. Being able to understand how rate quotes are established can help drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $272 | $330 | $344 | $20 | $102 | $1,068 | $89 |
| Expedition XLT 2WD | $306 | $402 | $344 | $20 | $102 | $1,174 | $98 |
| Expedition SSV 4WD | $306 | $402 | $344 | $20 | $102 | $1,174 | $98 |
| Expedition XLT 4WD | $306 | $402 | $344 | $20 | $102 | $1,174 | $98 |
| Expedition Eddie Bauer 2WD | $306 | $472 | $344 | $20 | $102 | $1,244 | $104 |
| Expedition Limited 2WD | $306 | $472 | $344 | $20 | $102 | $1,244 | $104 |
| Expedition Eddie Bauer 4WD | $306 | $472 | $344 | $20 | $102 | $1,244 | $104 |
| Expedition King Ranch 4WD | $342 | $472 | $344 | $20 | $102 | $1,280 | $107 |
| Expedition King Ranch 2WD | $342 | $472 | $344 | $20 | $102 | $1,280 | $107 |
| Expedition Limited 4WD | $342 | $472 | $344 | $20 | $102 | $1,280 | $107 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in vehicle location which can modify insurance rates considerably.
How high should deductibles be?
One frequently asked question is where should you set your physical damage deductibles. The data tables below may help you to understand the premium difference of buying low and high comp and collision deductibles. The first data table uses a $250 deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $238 | $330 | $262 | $16 | $78 | $949 | $79 |
| Expedition XLT 2WD | $268 | $402 | $262 | $16 | $78 | $1,051 | $88 |
| Expedition SSV 4WD | $268 | $402 | $262 | $16 | $78 | $1,051 | $88 |
| Expedition XLT 4WD | $268 | $402 | $262 | $16 | $78 | $1,051 | $88 |
| Expedition Eddie Bauer 2WD | $268 | $472 | $262 | $16 | $78 | $1,121 | $93 |
| Expedition Limited 2WD | $268 | $472 | $262 | $16 | $78 | $1,121 | $93 |
| Expedition Eddie Bauer 4WD | $268 | $472 | $262 | $16 | $78 | $1,121 | $93 |
| Expedition King Ranch 4WD | $300 | $472 | $262 | $16 | $78 | $1,153 | $96 |
| Expedition King Ranch 2WD | $300 | $472 | $262 | $16 | $78 | $1,153 | $96 |
| Expedition Limited 4WD | $300 | $472 | $262 | $16 | $78 | $1,153 | $96 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $194 | $266 | $262 | $16 | $78 | $816 | $68 |
| Expedition XLT 2WD | $218 | $324 | $262 | $16 | $78 | $898 | $75 |
| Expedition SSV 4WD | $218 | $324 | $262 | $16 | $78 | $898 | $75 |
| Expedition XLT 4WD | $218 | $324 | $262 | $16 | $78 | $898 | $75 |
| Expedition Eddie Bauer 2WD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Expedition Limited 2WD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Expedition Eddie Bauer 4WD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Expedition King Ranch 4WD | $244 | $382 | $262 | $16 | $78 | $982 | $82 |
| Expedition King Ranch 2WD | $244 | $382 | $262 | $16 | $78 | $982 | $82 |
| Expedition Limited 4WD | $244 | $382 | $262 | $16 | $78 | $982 | $82 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific location information which can influence price quotes greatly.
Based on the figures above, using a $250 deductible will cost you about $13 more each month or $156 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 19 months between claim filings, you would probably be better off if you choose a higher deductible.
The example below highlights how deductible choice and can influence Ford Expedition premium costs for different age groups. The costs are based on a single female driver, comp and collision included, and no additional discounts are factored in.
Gender-based auto insurance rates by age
The example below illustrates the comparison of Ford Expedition insurance prices for male and female drivers. The information is based on no violations or claims, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Insurance policy discounts you can’t miss
Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so below is a list some of the best known and the more hidden ways to save on insurance. If you do not double check each discount possible, you are just wasting money.
- Auto/Home Discount – When you combine your homeowners and auto insurance and place coverage with the same company you will save approximately 10% to 15%.
- ABS Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
- Defensive Driver Discounts – Participating in a defensive driving class could cut 5% off your bill and easily pay for the cost of the class.
- Theft Deterrent – Cars with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Senior Discount – Older drivers can possibly qualify for reduced rates.
- Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The information below shows the difference between Ford Expedition annual premium costs with and without policy discounts. The premiums assume a male driver, no claims, a clean driving record, Nevada state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.
To see a list of insurance companies with the best discounts in Nevada, click here to view.
Shop online but buy locally
A small number of people would rather visit with an insurance agent and that is not a bad decision A good thing about getting online price quotes is that drivers can save money and get cheaper rates and still buy from a local agent.
Upon completion of this quick form, your insurance data is sent to participating agents in Henderson who can give free rate quotes to get your business. You won’t even need to search for any insurance agencies because prices are sent to the email address you provide. You can find better rates without having to waste a lot of time. If you have a need to get a rate quote from a specific company, you just need to jump over to their website to submit a rate quote request.
Finding a good insurance company should include more criteria than just a cheap quote. Before buying a policy in Henderson, get answers to these questions.
- Is the agent CPCU or CIC certified?
- Is every driver in your family covered?
- Will one accident increase rates?
- Are there any discounts for paying up front?
- Is the agency involved in supporting local community causes?
- What company do they have the most business with?
If you’re trying to find a local Henderson insurance agency, it can be helpful to understand the different types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Henderson are classified as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
These agents can only quote rates from one company such as Farmers Insurance, State Farm, or Allstate. These agents are not able to provide other company’s prices so keep that in mind. Exclusive agencies receive extensive training on their company’s products which helps them sell on service rather than price. Drivers often use the same agent mainly due to loyalty to the company instead of buying on price only.
Shown below is a short list of exclusive agents in Henderson that can give you price quotes.
- Farmers Insurance: Ronald Fowler
2470 St Rose Pkwy Suite 315 – Henderson, NV 89074 – (702) 478-5720 – View Map - Henry Crockett II – State Farm Insurance Agent
2986 St Rose Pkwy #150 – Henderson, NV 89052 – (702) 489-9999 – View Map - Farmers Insurance – Christopher Sutter
11201 S Eastern Ave #110 – Henderson, NV 89052 – (702) 260-8589 – View Map
Independent Car Insurance Agencies
Independent agents are not limited to a single company so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If premiums increase, your agent can switch companies and you can keep the same agent.
If you need lower rates, you absolutely need to contact at a minimum one independent agency for the best price selection. Most can insure with smaller mutual companies that may provide cheaper car insurance rates.
Below is a short list of independent insurance agents in Henderson that are able to give rate quotes.
- Steve Leone and Sarah Loy (Leone and Loy Agency) representing American National Insurance Company
1368 Paseo Verde Pkwy #200a – Henderson, NV 89012 – (702) 368-4040 – View Map - Centurion Insurance Services
1399 Galleria Dr #201 – Henderson, NV 89014 – (702) 871-0001 – View Map - All Star Insurance Agency
10120 S. Eastern Ave, Suite 200 – Henderson, NV 89052 – (702) 660-6618 – View Map
There’s no such thing as the perfect insurance policy
When it comes to your policy, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that.
For instance, these questions could help you determine if your situation would benefit from professional advice.
- Am I covered if I back into my garage door?
- What is the ISO rating for a Ford Expedition?
- Is pleasure use cheaper than using my Ford Expedition to commute?
- Is borrowed equipment or tools covered if stolen or damaged?
- Why do I only qualify for high-risk insurance?
- Is my Ford Expedition covered if I use it for business?
- Should I pay a claim out-of-pocket?
- Can I afford low physical damage deductibles?
- At what point should I drop full coverage?
- How high should my uninsured/underinsured coverage be in Nevada?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.
Best auto insurance company in Nevada
Choosing the highest-rated insurance company can be difficult considering how many companies sell insurance in Nevada. The rank data listed below may help you choose which car insurance companies to look at shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies
Car insurance coverage information
Learning about specific coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by auto insurance companies.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like surgery, dental work, X-ray expenses and doctor visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
Uninsured and underinsured coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Expedition.
Since many Nevada drivers carry very low liability coverage limits (15/30/10 in Nevada), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Collision coverage – Collision insurance covers damage to your Expedition resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as damaging your car on a curb, colliding with a tree, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible on your Expedition to save money on collision insurance.
Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like damage from flooding, a broken windshield, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability coverages – Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 15/30/10 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against things like loss of income, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as much as you can afford. Nevada requires minimum liability limits of 15/30/10 but you should think about purchasing more coverage.
The illustration below shows why buying low liability limits may not be adequate coverage.
More quotes mean more insurance savings
When shopping online for insurance, you should never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at the best possible price, not the least amount of coverage.
Discount Ford Expedition insurance in Henderson can be sourced on the web and with local Henderson insurance agents, so you need to quote Henderson car insurance with both to get a complete price analysis. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through local independent agents.
Steps to saving money on Ford Expedition insurance in Henderson
If saving the most money is your goal, then the best way to quote cheaper Ford Expedition insurance in Henderson is to compare quotes annually from companies that insure vehicles in Nevada.
- First, read and learn about what is in your policy and the modifications you can make to keep rates low. Many policy risk factors that increase rates like high-risk driving behaviors and an imperfect credit history can be improved by making minor driving habit or lifestyle changes.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can quote prices from multiple insurance companies. Click to view companies
- Third, compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important part of this process is to try to compare similar coverage information on each price quote and and to get price estimates from as many companies as you can. This enables a level playing field and a complete selection of prices.
For more information, feel free to visit these articles:
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Who Has Affordable Henderson Auto Insurance for a Chevrolet Equinox? (FAQ)
- Who Has Cheap Car Insurance for Teenage Males in Henderson? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Auto Crash Statistics (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Five Mistakes to Avoid (Insurance Information Institute)