It goes without saying that insurance companies don’t want you shop around. Drivers who shop rates annually are highly likely to switch companies because there is a high probability of finding a cheaper policy. A study discovered that consumers who compared rates annually saved about $3,400 over four years compared to people who never shopped around for cheaper prices.
If finding low prices for insurance is the reason for your visit, knowing the best ways to find and compare coverages can help simplify the task of finding more affordable coverage.
If you want to save the most money, the best way to find cheaper quotes for Ford Expedition insurance is to start comparing prices regularly from insurance carriers who can sell car insurance in Oklahoma City.
First, take a little time to learn about how auto insurance works and the measures you can take to lower rates. Many things that cause rate increases like your driving record and a low credit rating can be amended by improving your driving habits or financial responsibility. Continue reading for more information to help reduce prices and earn larger discounts.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can quote prices for a wide range of companies. Start a quote
Third, compare the price quotes to your existing rates and see if you can save money. If you find a lower rate quote and switch companies, make sure coverage does not lapse between policies.
The key thing to remember is that you’ll want to compare similar coverage information on each quote request and to quote with every insurance company. This guarantees an apples-to-apples comparison and the most accurate and complete price analysis.
Best companies for low-cost Ford Expedition insurance in Oklahoma
The companies shown below provide comparison quotes in Oklahoma. If more than one company is shown, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Premium rates and analysis
The price information shown next outlines a range of insurance premium costs for Ford Expedition models. Understanding more about how insurance quotes are formulated can help you make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $352 | $528 | $392 | $24 | $118 | $1,414 | $118 |
| Expedition XLT 2WD | $396 | $642 | $392 | $24 | $118 | $1,572 | $131 |
| Expedition SSV 4WD | $396 | $642 | $392 | $24 | $118 | $1,572 | $131 |
| Expedition XLT 4WD | $396 | $642 | $392 | $24 | $118 | $1,572 | $131 |
| Expedition Eddie Bauer 2WD | $396 | $756 | $392 | $24 | $118 | $1,686 | $141 |
| Expedition Limited 2WD | $396 | $756 | $392 | $24 | $118 | $1,686 | $141 |
| Expedition Eddie Bauer 4WD | $396 | $756 | $392 | $24 | $118 | $1,686 | $141 |
| Expedition King Ranch 4WD | $442 | $756 | $392 | $24 | $118 | $1,732 | $144 |
| Expedition King Ranch 2WD | $442 | $756 | $392 | $24 | $118 | $1,732 | $144 |
| Expedition Limited 4WD | $442 | $756 | $392 | $24 | $118 | $1,732 | $144 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect prices noticeably.
Deductible comparison
When comparing insurance rates, the most common question is how high should the physical damage coverage deductibles be. The following insurance rates sum up how much more rates are of buying low and high insurance deductibles. The first table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $346 | $480 | $382 | $22 | $114 | $1,369 | $114 |
| Expedition XLT 2WD | $392 | $584 | $382 | $22 | $114 | $1,519 | $127 |
| Expedition SSV 4WD | $392 | $584 | $382 | $22 | $114 | $1,519 | $127 |
| Expedition XLT 4WD | $392 | $584 | $382 | $22 | $114 | $1,519 | $127 |
| Expedition Eddie Bauer 2WD | $392 | $688 | $382 | $22 | $114 | $1,623 | $135 |
| Expedition Limited 2WD | $392 | $688 | $382 | $22 | $114 | $1,623 | $135 |
| Expedition Eddie Bauer 4WD | $392 | $688 | $382 | $22 | $114 | $1,623 | $135 |
| Expedition King Ranch 4WD | $436 | $688 | $382 | $22 | $114 | $1,667 | $139 |
| Expedition King Ranch 2WD | $436 | $688 | $382 | $22 | $114 | $1,667 | $139 |
| Expedition Limited 4WD | $436 | $688 | $382 | $22 | $114 | $1,667 | $139 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $282 | $388 | $382 | $22 | $114 | $1,188 | $99 |
| Expedition XLT 2WD | $318 | $472 | $382 | $22 | $114 | $1,308 | $109 |
| Expedition SSV 4WD | $318 | $472 | $382 | $22 | $114 | $1,308 | $109 |
| Expedition XLT 4WD | $318 | $472 | $382 | $22 | $114 | $1,308 | $109 |
| Expedition Eddie Bauer 2WD | $318 | $554 | $382 | $22 | $114 | $1,390 | $116 |
| Expedition Limited 2WD | $318 | $554 | $382 | $22 | $114 | $1,390 | $116 |
| Expedition Eddie Bauer 4WD | $318 | $554 | $382 | $22 | $114 | $1,390 | $116 |
| Expedition King Ranch 4WD | $354 | $554 | $382 | $22 | $114 | $1,426 | $119 |
| Expedition King Ranch 2WD | $354 | $554 | $382 | $22 | $114 | $1,426 | $119 |
| Expedition Limited 4WD | $354 | $554 | $382 | $22 | $114 | $1,426 | $119 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can revise coverage rates significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $19 more each month or $228 for a full year than buying the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 13 months between claim filings, you would most likely save money if you opt for a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $250 deductibles: | $132 |
| Average monthly premium for $500 deductibles (subtract): | – $113 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The information below demonstrates how choosing different deductibles and can impact Ford Expedition premium costs for different insured age categories. The premium estimates are based on a married female driver, comp and collision included, and no discounts are applied.
Affordable rates by taking advantage of discounts
Insurance can be pricey, but there could be available discounts that could drop your premiums quite a bit. Some discounts will apply at the time of quoting, but lesser-known reductions have to be asked for before being credited.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
- Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks shop Oklahoma City car insurance online.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
- Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease with a few insurance companies.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
- Save with a New Car – Buying a new car instead of a used Expedition can get you a discount because new model year vehicles keep occupants safer.
Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.
The example below illustrates the comparison of Ford Expedition insurance rates with and without some available policy discounts. The data is based on a male driver, no violations or claims, Oklahoma 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, claim-free, multi-car, homeowner, multi-policy, and marriage discounts applied.
Some of the larger companies that possibly offer many of the previously listed discounts include:
Double check with each company or agent to apply every possible discount. Some credits might not be available to policyholders in your area. If you would like to view providers with discount insurance rates in Oklahoma City, click here.
You may want advice from an insurance agency
Some consumers prefer to buy from a licensed agent and that is a smart decision Professional agents can help you build your policy and help in the event of a claim. One of the benefits of price shopping on the web is the fact that drivers can get cheap car insurance rates and still have an agent to talk to. Putting coverage with local insurance agents is important especially in Oklahoma City.
To help locate an agent, after submitting this simple form, your insurance coverage information is transmitted to local insurance agents in Oklahoma City that give free quotes and help you find cheaper coverage. You don’t have to contact any agents because quoted prices will be sent immediately to you. If for some reason you want to get a price quote from a specific insurance company, don’t hesitate to visit that company’s website and fill out their quote form.
If you need to find a local insurance agency, it helps to know the two different types of agencies from which to choose. Oklahoma City agents may be either exclusive or independent (non-exclusive). Either can sell car insurance policies, but it’s important to know the difference in how they write coverage since it could factor into which agent you choose.
Independent Car Insurance Agencies or Brokers
These type of agents are normally appointed by many insurers so they can write business with an assortment of companies and find the cheapest rate. If they find a lower price, they can switch companies in-house and the insured can keep the same agent.
If you need lower rates, you definitely need to get insurance quotes from multiple independent agents to ensure the widest selection of prices.
The following is a small list of independent agents in Oklahoma City that can possibly get you price quotes.
Ledbetter Insurance and Risk
1000 NW Grand Blvd #110 – Oklahoma City, OK 73118 – (405) 840-9090 – View Map
Knight’s Insurance Agency
3825 NW 23rd St – Oklahoma City, OK 73107 – (405) 946-0111 – View Map
Shelton Agency
6401 NW Expressway # 100B – Oklahoma City, OK 73132 – (405) 384-1518 – View Map
Exclusive Car Insurance Agencies
Exclusive agencies can only write with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide rate quotes from other companies so you need to shop around if the rates are high. These agents are highly trained on what they offer which helps offset the inability to provide other markets.
Shown below are Oklahoma City exclusive agencies who can help you get price quote information.
Tom Woodward – State Farm Insurance Agent
4401 W Memorial Rd #115 – Oklahoma City, OK 73134 – (405) 755-5958 – View Map
Mike Earles – State Farm Insurance Agent
12220 S Western Ave – Oklahoma City, OK 73170 – (405) 691-1115 – View Map
Kevin Murphy – State Farm Insurance Agent
1707 S Morgan Rd – Oklahoma City, OK 73128 – (405) 265-2500 – View Map
Choosing the best auto insurance agent should include more criteria than just the bottom line cost. Any good agent in Oklahoma City should know the answers to these questions.
- Did they already check your driving record and credit reports?
- Do they get paid more for recommending certain coverages?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How long have they been in business?
- Is there a local claims center in Oklahoma City?
- Is the agent and/or agency licensed to do business in Oklahoma?
After you get good answers to these questions and the cheapest Ford Expedition insurance in Oklahoma City quotes, you may have found an auto insurance agent that meets the requirements to adequately provide car insurance.
Don’t give up on cheaper rates
Discount Ford Expedition insurance in Oklahoma City is definitely available on the web in addition to local insurance agencies, so get free Oklahoma City car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and most of the time these regional insurance providers provide coverage only through local independent agents.
We covered quite a bit of information on how to get a better price on Ford Expedition insurance in Oklahoma City. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper Oklahoma City car insurance quotes. Consumers could even find that the biggest savings come from some of the smallest insurance companies. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like Progressive or GEICO.
Additional detailed information can be read in these articles:
- What is a Telematics Device? (Allstate)
- Who Has Affordable Oklahoma City Car Insurance Rates for a Subaru Outback? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Under 21 in Oklahoma City? (FAQ)
- Who Has Cheap Auto Insurance Quotes for 19 Year Olds in Oklahoma City? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- Frontal Crash Tests (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)