Has it been over a year since you last compared quotes for low-cost Ford Expedition insurance in Buffalo? When looking for lower-priced insurance, are you frustrated by the wide range of auto insurance providers in your area? Many other drivers are as well. Consumers have so many providers available that it is a lot of work to find a more affordable company. Everyone knows Buffalo is a great city to raise a family in, but expensive premiums for auto insurance can make it hard for many residents to be able to afford adequate auto insurance coverage limits.
Steps to finding cheaper Ford Expedition insurance in Buffalo
If you want to save money, the best way to save money on car insurance rates in Buffalo is to annually compare prices from different companies who provide auto insurance in New York. Price quotes can be compared by following these steps.
- Spend some time learning about how auto insurance works and the things you can control to keep rates in check. Many things that result in higher prices like speeding tickets, careless driving and a less-than-favorable credit score can be rectified by making minor changes in your lifestyle. Later in this article we will cover information to help prevent costly coverage and find hidden discounts.
- Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can provide rate quotes from multiple sources. Select a company
- Compare the new quotes to your existing rates and see if you can save money. If you can save money and make a switch, make sure there is no coverage gap between policies.
One piece of advice is to try to use similar deductibles and liability limits on each quote request and and to get quotes from as many companies as feasibly possible. This enables an accurate price comparison and the best price quote selection.
A recent study showed that about 70% of customers have been with the same company for four years or more, and nearly half have never shopped around. Many consumers in Buffalo can save 45% each year by just shopping around, but they don’t believe how much they could save if they moved their coverage to a different company.
There are several ways of comparing rate quotes from companies that offer auto insurance in New York. The simplest method to find cheaper Ford Expedition rates is to perform an online rate comparison.
Just keep in mind that comparing a wide range of rates helps locate more affordable insurance. Some companies don’t provide Buffalo Expedition insurance quotes online, so it’s necessary to compare price quotes from the smaller companies as well.
The auto insurance companies shown below are ready to provide price comparisons in Buffalo, NY. In order to find the cheapest auto insurance in Buffalo, we recommend you visit as many as you can to get the best price comparison.
Companies offer many types of discounts on Ford Expedition insurance in Buffalo
Some companies don’t list every possible discount in an easy-to-find place, so here is a list a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Buffalo auto insurance online. If they aren’t giving you every credit you qualify for, you could be getting lower rates.
- Full Payment Discount – By making one initial payment rather than spreading payments over time you may reduce your total bill.
- Save with a New Car – Adding a new car to your policy can save you some money because newer vehicles have to meet stringent safety requirements.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
- Driver Safety – Taking time to complete a course that instructs on driving safety could save 5% or more if you qualify.
- Discounts for Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.
- Air Bags and Passive Restraints – Vehicles equipped with air bags may get savings of up to 25% or more.
- Smart Student Discounts – Being a good student may save you up to 25%. Earning this discount can benefit you until age 25.
- Military Discounts – Having a family member in the military can result in better premium rates.
- Life Insurance Discount – Larger insurance carriers have lower prices if you buy some life insurance in addition to your auto policy.
- Save with More Vehicles Insured – Purchasing coverage when you have multiple cars on the same insurance policy can reduce rates for all insured vehicles.
Discounts lower rates, but many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.
The information below illustrates the comparison of Ford Expedition auto insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no accidents or driving violations, New York state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-car, and multi-policy discounts applied.
If you would like to see a list of companies with the best Ford Expedition insurance discounts in Buffalo in Buffalo, click here.
Ford Expedition insurance rate analysis
The rate information displayed next covers detailed analysis of coverage prices for Ford Expedition models. Understanding how premiums are formulated can benefit drivers when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $160 | $240 | $216 | $12 | $64 | $692 | $58 |
| Expedition XLT 2WD | $180 | $292 | $216 | $12 | $64 | $764 | $64 |
| Expedition SSV 4WD | $180 | $292 | $216 | $12 | $64 | $764 | $64 |
| Expedition XLT 4WD | $180 | $292 | $216 | $12 | $64 | $764 | $64 |
| Expedition Eddie Bauer 2WD | $180 | $346 | $216 | $12 | $64 | $818 | $68 |
| Expedition Limited 2WD | $180 | $346 | $216 | $12 | $64 | $818 | $68 |
| Expedition Eddie Bauer 4WD | $180 | $346 | $216 | $12 | $64 | $818 | $68 |
| Expedition King Ranch 4WD | $200 | $346 | $216 | $12 | $64 | $838 | $70 |
| Expedition King Ranch 2WD | $200 | $346 | $216 | $12 | $64 | $838 | $70 |
| Expedition Limited 4WD | $200 | $346 | $216 | $12 | $64 | $838 | $70 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in your specific Buffalo location which can decrease or increase prices noticeably.
Auto insurance deductibles
One frequently asked question is which comprehensive and collision deductibles to buy. The tables below may help you to understand the price difference between low and high policy deductibles. The first table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $228 | $338 | $226 | $14 | $68 | $899 | $75 |
| Expedition XLT 2WD | $258 | $412 | $226 | $14 | $68 | $1,003 | $84 |
| Expedition SSV 4WD | $258 | $412 | $226 | $14 | $68 | $1,003 | $84 |
| Expedition XLT 4WD | $258 | $412 | $226 | $14 | $68 | $1,003 | $84 |
| Expedition Eddie Bauer 2WD | $258 | $484 | $226 | $14 | $68 | $1,075 | $90 |
| Expedition Limited 2WD | $258 | $484 | $226 | $14 | $68 | $1,075 | $90 |
| Expedition Eddie Bauer 4WD | $258 | $484 | $226 | $14 | $68 | $1,075 | $90 |
| Expedition King Ranch 4WD | $286 | $484 | $226 | $14 | $68 | $1,103 | $92 |
| Expedition King Ranch 2WD | $286 | $484 | $226 | $14 | $68 | $1,103 | $92 |
| Expedition Limited 4WD | $286 | $484 | $226 | $14 | $68 | $1,103 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $126 | $178 | $226 | $14 | $68 | $612 | $51 |
| Expedition XLT 2WD | $142 | $216 | $226 | $14 | $68 | $666 | $56 |
| Expedition SSV 4WD | $142 | $216 | $226 | $14 | $68 | $666 | $56 |
| Expedition XLT 4WD | $142 | $216 | $226 | $14 | $68 | $666 | $56 |
| Expedition Eddie Bauer 2WD | $142 | $256 | $226 | $14 | $68 | $706 | $59 |
| Expedition Limited 2WD | $142 | $256 | $226 | $14 | $68 | $706 | $59 |
| Expedition Eddie Bauer 4WD | $142 | $256 | $226 | $14 | $68 | $706 | $59 |
| Expedition King Ranch 4WD | $158 | $256 | $226 | $14 | $68 | $722 | $60 |
| Expedition King Ranch 2WD | $158 | $256 | $226 | $14 | $68 | $722 | $60 |
| Expedition Limited 4WD | $158 | $256 | $226 | $14 | $68 | $722 | $60 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in your specific Buffalo location which can influence auto insurance rates substantially.
Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $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 $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 31 months between claim filings, you would save more money if you opt for a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $87 |
| Average monthly premium for $1,000 deductibles (subtract): | – $58 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
The information below illustrates how your choice of deductibles and can increase or decrease Ford Expedition premium costs for different age groups. Data assumes a married male driver, full coverage, and no discounts are taken into consideration.
Comparison of full coverage and liability-only policies
The illustration below illustrates the comparison of Ford Expedition car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or driving citations, $250 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop comp and collision
There is no set guideline of when to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Ford Expedition settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after the policy deductible has been paid. If you are paying in excess of $800 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some scenarios where removing full coverage is not advised. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
How do Insurance Companies Determine Ford Expedition Insurance Rates?
One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine the level of your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that could help you find much lower annual insurance costs.
The following are just a few of the factors companies use to determine your prices.
Policy add-ons can waste money – Policies have additional extra coverages that you can get tricked into buying on your car insurance policy. Coverages like vanishing deductibles, towing coverage, and membership fees may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
Rural areas have lower prices – Living in less populated areas of the country is a positive aspect when insuring your vehicles. Less people means fewer accidents in addition to lower liability claims. People in densely populated areas have more aggressive driving styles and more severe claims. The longer drive time means higher likelihood of an accident.
Don’t cut corners with liability insurance – A critical coverage on your policy, liability insurance provides coverage in the event that a jury decides you are liable for damages caused by your negligence. This coverage provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Gender impacts premiums – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Females and males cause auto accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
The example below shows the difference between Ford Expedition yearly insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
Insurance loss probability for a Ford Expedition – Companies analyze the history of losses when determining insurance costs. Models that tend to have higher claim amounts or frequency will cost more to insure.
The table below illustrates the historical loss data for Ford Expedition vehicles. For each type of coverage, the loss probability for all vehicles, as a total average, is considered to be 100. Numbers below 100 indicate a favorable loss history, while numbers above 100 indicate more frequent claims or an increased chance of a larger loss.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Expedition 4dr 2WD | 67 | 88 | 82 | 55 | 45 | 70 |
| Ford Expedition 4dr 4WD | 70 | 98 | 90 | 54 | 62 | 56 |
| Ford Expedition EL 4dr 2WD | 74 | 104 | 97 | 52 | ||
| Ford Expedition EL 4dr 4WD | 88 | 96 | 110 | 63 | 60 | 96 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Compare rates but buy from a local Buffalo insurance agent
A small number of people just want to visit with an insurance agent and that can be a great decision A nice benefit of comparing rates online is you may find cheap auto insurance quotes and still have an agent to talk to. And providing support for neighborhood agents is especially important in Buffalo.
For easy comparison, once you complete this short form, your insurance data is submitted to insurance agents in Buffalo who will gladly provide quotes to get your business. You never need to search for an agent as quotes are delivered directly to your email. Get lower rates without the usual hassles of price shopping. If you wish to compare prices from a particular provider, you just need to visit that company’s website to submit a rate quote request.
Pick the best car insurance agent in Buffalo for you
If you prefer to buy auto insurance from a reliable insurance agent, you must know there are a couple types of agencies from which to choose. Auto insurance policy providers can be classified as either independent agents or exclusive agents.
Independent Insurance Agents
Agents that elect to be independent are normally appointed by many insurers so they can quote policies with an assortment of companies and find the cheapest rate. If you want to switch companies, they simply move the coverage in-house and you can keep the same agent.
If you need cheaper auto insurance rates, you need to get quotes from a couple of independent agencies to have the most options to choose from. Most also have access to small regional insurance companies which can be an advantage.
Shown below are Buffalo independent agents that may be able to provide comparison quotes.
- La Penna Insur Agency Inc
3835 Harlem Rd – Buffalo, NY 14215 – (716) 838-1880 – View Map - The Cesar Group Inc
354 Cayuga Rd – Buffalo, NY 14225 – (716) 626-0066 – View Map - P.A.G. Agency Inc
1660 Kensington Ave – Buffalo, NY 14215 – (716) 835-3221 – View Map
Exclusive Auto Insurance Agents
Agents of this type can only write with one company like State Farm or Allstate. Exclusive agents cannot compare rates from other companies so you might not find the best rates. These agents are very knowledgeable on their company’s products which aids in selling service over price. Some insured continue to choose to use an exclusive agent partially due to the brand name and strong financial ratings.
Shown below are Buffalo exclusive agents who can help you get price quotes.
- Farmers Insurance – Toni Du Bois
2460 Main St – Buffalo, NY 14214 – (716) 931-5200 – View Map - Lou Santiago – State Farm Insurance Agent
557 Niagara St – Buffalo, NY 14201 – (716) 883-5500 – View Map - GEICO Insurance Agent
3835 McKinley Pkwy #2 – Buffalo, NY 14219 – (716) 604-0345 – View Map
Choosing the best car insurance agent should depend on more than just the premium amount. Below are some questions you should ask.
- Do they have 24-hour customer assistance?
- Do they reduce claim amounts on high mileage vehicles?
- How many companies do they write for?
- Who are their largest clients?
- Are they in the agency full-time?
- How much can you save by raising your physical damage deductibles?
Upon getting positive feedback to all your questions as well as offering an affordable quote, chances are good that you have found a car insurance agent that can properly service your auto insurance policy. But keep in mind you are able to cancel a policy when you choose so don’t think you are locked into any specific agency for the full term.
Cheaper car insurance is out there
You just read many tips how you can find lower-cost Ford Expedition insurance in Buffalo. The key thing to remember is the more you quote Buffalo auto insurance, the higher the chance of saving money. Consumers could even find that the best rates are with the least-expected company.
People switch companies for a variety of reasons including high rates after DUI convictions, policy cancellation, being labeled a high risk driver or even questionable increases in premium. It doesn’t matter what your reason, finding a great new company is easier than you think.
There are still a few companies who may not offer the ability to get quotes online and usually these smaller providers only sell coverage through independent insurance agencies. Cost effective Ford Expedition insurance is available both online and with local Buffalo insurance agents, and you need to price shop both in order to have the best price selection to choose from.
How to buy lower priced Ford Expedition insurance in Buffalo
If saving the most money is your goal, then the best way to get low-cost car insurance rates in Buffalo is to start doing a yearly price comparison from insurers who can sell car insurance in New York. You can shop around by following these steps.
First, learn about how auto insurance works and the steps you can take to keep rates in check. Many rating criteria that cause rate increases such as at-fault accidents and a lousy credit rating can be amended by making lifestyle changes or driving safer.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies.
Third, compare the new rates to the premium of your current policy to determine if you can save on Expedition insurance in Buffalo. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, give proper notification to your current agent or company of your intention to cancel the current policy and submit the completed application along with a down payment to the newly selected company. As soon as you receive it, keep the new certificate of insurance in an easily accessible location.
A tip to remember is to compare the same deductibles and limits on each quote request and and to get prices from as many companies as you can. This enables a fair rate comparison and maximum price selection.
More information is available below:
- How to Avoid Common Accidents (State Farm)
- Who Has Affordable Car Insurance Quotes for 4×4 Vehicles in Buffalo? (FAQ)
- How Much are Car Insurance Rates for Infrequent Drivers in Buffalo? (FAQ)
- Who Has Cheap Auto Insurance for Hybrid Vehicles in Buffalo? (FAQ)
- How Much is Auto Insurance for a Toyota RAV4 in Buffalo? (FAQ)
- How Much are Buffalo Car Insurance Rates for a Honda Accord? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)