Finding more affordable rates for Ford Expedition insurance in Cincinnati is always very difficult for drivers who are new to buying insurance online. Consumers have so many agents and companies to choose from that it can quickly become a real hassle to find cheaper rates on Ford Expedition insurance.
How to find discount Ford Expedition insurance in Cincinnati
It takes a little time, but the best way to save money on Ford Expedition insurance is to start comparing rates regularly from insurers that insure vehicles in Cincinnati.
- Step 1: It will benefit you to learn about the different coverages in a policy and the things you can control to prevent expensive coverage. Many things that result in higher prices like at-fault accidents and an unacceptable credit rating can be remedied by paying attention to minor details.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can quote prices from multiple insurance companies. Get quotes now
- Step 3: Compare the quotes to your existing rates and see if there is a cheaper rate in Cincinnati. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Notify your company or agent of your intent to cancel your current auto insurance policy and submit a completed application and payment to your new insurance company. Be sure to store the proof of insurance certificate in an easily accessible location.
A key point to remember is to use the same amount of coverage on each quote and and to get price quotes from as many companies as possible. Doing this helps ensure an apples-to-apples comparison and the most accurate and complete price analysis.
Statistics show that the vast majority of consumers kept buying from the same company for well over three years, and approximately 40% of consumers have never shopped around. Many drivers in Ohio can save up to 55% each year, but they feel it’s too difficult to find lower-cost insurance rates.
Most major insurance companies allow consumers to get prices for coverage on their websites. Getting online quotes for Ford Expedition insurance in Cincinnati can be done by anyone as all you need to do is type in your coverage preferences into the quote form. Upon sending the form, the system pulls information on your driving record and credit history and returns a price determined by many factors.
This makes it easy to compare insurance prices and it is imperative to do this if you want to get the cheapest possible prices on auto insurance.
To quickly compare rates using this form now, check out the auto insurance providers below. If you currently have coverage, we recommend that you enter the limits and deductibles exactly as they are listed on your policy. This guarantees you will have a rate comparison using the same coverage and limits.
The providers in the list below offer free rate quotes in Cincinnati, OH. If you want cheaper auto insurance in Cincinnati, OH, it’s a good idea that you visit as many as you can to get a more complete price comparison.
Statistics and details
The premium information displayed below showcases estimates of insurance premium costs for Ford Expedition models. Being able to understand how auto insurance policy rates are established is important for making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $136 | $202 | $182 | $10 | $54 | $584 | $49 |
| Expedition XLT 2WD | $152 | $246 | $182 | $10 | $54 | $644 | $54 |
| Expedition SSV 4WD | $152 | $246 | $182 | $10 | $54 | $644 | $54 |
| Expedition XLT 4WD | $152 | $246 | $182 | $10 | $54 | $644 | $54 |
| Expedition Eddie Bauer 2WD | $152 | $288 | $182 | $10 | $54 | $686 | $57 |
| Expedition Limited 2WD | $152 | $288 | $182 | $10 | $54 | $686 | $57 |
| Expedition Eddie Bauer 4WD | $152 | $288 | $182 | $10 | $54 | $686 | $57 |
| Expedition King Ranch 4WD | $170 | $288 | $182 | $10 | $54 | $704 | $59 |
| Expedition King Ranch 2WD | $170 | $288 | $182 | $10 | $54 | $704 | $59 |
| Expedition Limited 4WD | $170 | $288 | $182 | $10 | $54 | $704 | $59 |
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Table data does not factor in zip code location which can modify rates considerably.
An analysis of deductible level
When shopping for insurance, a common question is which comprehensive and collision deductibles to buy. The rates shown below outline the cost difference of buying low and high physical damage deductibles. The first pricing table uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $176 | $242 | $192 | $12 | $58 | $705 | $59 |
| Expedition XLT 2WD | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| Expedition SSV 4WD | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| Expedition XLT 4WD | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| Expedition Eddie Bauer 2WD | $198 | $348 | $192 | $12 | $58 | $833 | $69 |
| Expedition Limited 2WD | $198 | $348 | $192 | $12 | $58 | $833 | $69 |
| Expedition Eddie Bauer 4WD | $198 | $348 | $192 | $12 | $58 | $833 | $69 |
| Expedition King Ranch 4WD | $220 | $348 | $192 | $12 | $58 | $855 | $71 |
| Expedition King Ranch 2WD | $220 | $348 | $192 | $12 | $58 | $855 | $71 |
| Expedition Limited 4WD | $220 | $348 | $192 | $12 | $58 | $855 | $71 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $142 | $196 | $192 | $12 | $58 | $600 | $50 |
| Expedition XLT 2WD | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| Expedition SSV 4WD | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| Expedition XLT 4WD | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| Expedition Eddie Bauer 2WD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| Expedition Limited 2WD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| Expedition Eddie Bauer 4WD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| Expedition King Ranch 4WD | $180 | $280 | $192 | $12 | $58 | $722 | $60 |
| Expedition King Ranch 2WD | $180 | $280 | $192 | $12 | $58 | $722 | $60 |
| Expedition Limited 4WD | $180 | $280 | $192 | $12 | $58 | $722 | $60 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in garaging location in Cincinnati which can influence premiums significantly.
Based on the data above, we can derive that using a $250 deductible costs roughly $10 more each month or $120 every year than quoting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 25 months between claim filings, you would probably be better off if you decide on a higher deductible. Below is how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $67 |
| Average monthly premium for $500 deductibles (subtract): | – $57 |
| Monthly savings from raising deductible: | $10 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $10 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
The example below shows how choosing a deductible and can change Ford Expedition premium costs for different categories of driver ages. The information is based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
Accidents and violations increase rates
The information below shows how traffic citations and at-fault claims can increase Ford Expedition car insurance costs for different categories of driver ages. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Price comparison of only insuring for liability
The diagram below illustrates the difference between Ford Expedition auto insurance rates with full physical damage coverage and with liability coverage only. The premiums assume a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive rule of when to phase out full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Ford Expedition replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,000 after the deductible is paid. If premium cost is more than $500 annually to have full coverage, then you might want to think about dropping full coverage.
There are some circumstances where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
Tailor your car insurance coverage to you
When it comes to your policy, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and your car insurance should unique, too.
For example, these questions could help you determine if your insurance needs would benefit from professional advice.
- Does rental coverage apply when I am renting a car?
- How do I file an SR-22 for a DUI in Ohio?
- How much coverage applies to personal belongings?
- Do they offer discounts for home and auto coverage?
- How long can I keep a teen driver on my policy?
- Is my business laptop covered if it gets stolen from my vehicle?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Compare rates but buy from a local neighborhood Cincinnati car insurance agent
A small number of people just prefer to have an agent’s advice and often times that is recommended The best thing about price shopping on the web is that you can obtain better rates and still have a local agent. Putting coverage with neighborhood insurance agencies is important particularly in Cincinnati.
For easy comparison, once you complete this quick form, your insurance coverage information is submitted to agents in your area that can provide free Cincinnati auto insurance quotes for your business. You don’t have to visit any agencies as quotes are delivered to you directly. You can find lower rates and a licensed agent to talk to. In the event you want to compare prices for a specific company, don’t hesitate to go to their quote page and submit a quote form there.
What type of Cincinnati auto insurance agent is right for you?
If you would like to find a local Cincinnati insurance agent, it’s important to understand the types of agencies and how they differ in how they can insure your vehicles. Agencies in Cincinnati can be categorized as either independent (non-exclusive) or exclusive.
Independent Insurance Agents
Independent insurance agents are not required to write business for one company and that allows them to write policies through many different insurance companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier and you stay with the same agent.
When comparing insurance rates, you absolutely need to check rates from at a minimum one independent agency to maximize your price options. Many independent agencies also insure through additional companies that you may not be familiar with that many times have cheaper rates.
Below are independent insurance agencies in Cincinnati who may be able to give you free insurance rate quotes.
- Duffy Insurance Agency
7611 Cheviot Rd – Cincinnati, OH 45247 – (513) 861-5500 – View Map - Burkhart Insurance Agency
4291 Foley Rd – Cincinnati, OH 45238 – (513) 244-2500 – View Map - Meissner Insurance Agency
3710 Harrison Ave – Cincinnati, OH 45211 – (513) 661-4426 – View Map
Exclusive Agencies
Agents of this type can only provide one company’s prices and examples are Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents receive a lot of sales training in insurance sales which helps overcome the inability to quote other rates. Consumers frequently use the same exclusive agent mainly due to the prominence of the brand rather than low rates.
The following are Cincinnati exclusive insurance agents that can give you price quote information.
- Ken Kunkel – State Farm Insurance Agent
6708 Cheviot Rd – Cincinnati, OH 45247 – (513) 385-6667 – View Map - American Family Insurance – Michael Pippin
6097 Montgomery Rd – Cincinnati, OH 45213 – (513) 531-4800 – View Map - State Farm: Randy Wagner
1167 8 Mile Rd – Cincinnati, OH 45255 – (513) 474-4100 – View Map
Finding a good auto insurance agent requires more thought than just a cheap quote. Any agent in Cincinnati should have no problem answering these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Did they already check your driving record and credit reports?
- Are they able to provide referrals?
- Does the agency have a current Errors and Omissions policy?
- How would your car be valued if totaled?
After getting good answers to your questions and an acceptable price quote, chances are good that you have found an insurance agent that meets your needs to insure your vehicles.
Best car insurance in Ohio
Selecting the best car insurance provider is difficult considering how many companies there are in Cincinnati. The company rank data in the next section may help you analyze which car insurance providers you want to consider comparing rates with.
Top 10 Cincinnati Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Top 10 Cincinnati Car Insurance Companies Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate