Insurance for Ford ExpeditionHow long has it been since you sat down and looked for cheaper auto insurance rates in St. Louis, MO? St. Louis shoppers have many options when shopping for affordable Ford Expedition insurance. You can either spend your time driving around getting price quotes or utilize the internet to compare rates.

There are both good and bad ways to compare auto insurance rates and we'll show you the absolute fastest way to get price quotes on a Ford and obtain the lowest possible price either online or from St. Louis insurance agents.

Unbelievably, almost 70% of drivers in Missouri have remained with the same auto insurance company for at least four years, and approximately 38% of consumers have never shopped around. Drivers in the U.S. can save up to $859 each year just by getting comparison quotes, but they don't believe the amount of money they would save if they switch to a new company.

The quickest method to compare insurance rates from multiple companies is to know the fact all the major auto insurance companies pay for the opportunity to give rate comparisons. All you need to do is take a few minutes to give details such as deductibles desired, how many miles driven, whether you have decent credit, and what you do for a living. That information is instantly submitted to all major companies and they return rate quotes quickly.

To find lower lower-cost Ford Expedition insurance rates now, click here and enter your zip code.

The following companies are ready to provide price comparisons in St. Louis, MO. If the list has multiple companies, it's a good idea that you get price quotes from several of them to get a more complete price comparison.

Ford Expedition Insurance Rate Estimates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $254 $418 $306 $18 $92 $1,088 $91
Expedition XLT 2WD $124 $214 $256 $16 $76 $686 $57
Expedition SSV 4WD $188 $280 $226 $14 $68 $776 $65
Expedition XLT 4WD $160 $268 $306 $18 $92 $844 $70
Expedition Eddie Bauer 2WD $216 $330 $296 $18 $88 $948 $79
Expedition Limited 2WD $222 $478 $238 $14 $72 $1,024 $85
Expedition Eddie Bauer 4WD $124 $252 $238 $14 $72 $700 $58
Expedition King Ranch 4WD $182 $258 $296 $18 $88 $842 $70
Expedition King Ranch 2WD $206 $380 $274 $16 $82 $958 $80
Expedition Limited 4WD $320 $600 $306 $18 $92 $1,336 $111
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in specific St. Louis garaging location which can decrease or increase auto insurance rates noticeably.

Rate comparison of full coverage and liability-only

The diagram below examines Ford Expedition auto insurance rates with full coverage and liability only. The rate quotes are based on no accidents, no driving violations, $500 deductibles, single female driver, and no policy discounts are applied.

When to switch to liability coverage only

There is no definitive rule of when to phase out comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Ford Expedition claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your policy deductible. If premium cost is more than $800 annually for full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where only buying liability is not advised. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Choosing deductibles

A question often asked by St. Louis drivers is the level to set your comp and collision deductibles. The rates below show the rate fluctuation when you select higher and lower comp and collision deductibles. The first data set uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Ford Expedition insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $206 $286 $226 $14 $68 $825 $69
Expedition XLT 2WD $232 $346 $226 $14 $68 $911 $76
Expedition SSV 4WD $232 $346 $226 $14 $68 $911 $76
Expedition XLT 4WD $232 $346 $226 $14 $68 $911 $76
Expedition Eddie Bauer 2WD $232 $408 $226 $14 $68 $973 $81
Expedition Limited 2WD $232 $408 $226 $14 $68 $973 $81
Expedition Eddie Bauer 4WD $232 $408 $226 $14 $68 $973 $81
Expedition King Ranch 4WD $258 $408 $226 $14 $68 $999 $83
Expedition King Ranch 2WD $258 $408 $226 $14 $68 $999 $83
Expedition Limited 4WD $258 $408 $226 $14 $68 $999 $83
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Ford Expedition insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $168 $230 $226 $14 $68 $706 $59
Expedition XLT 2WD $188 $280 $226 $14 $68 $776 $65
Expedition SSV 4WD $188 $280 $226 $14 $68 $776 $65
Expedition XLT 4WD $188 $280 $226 $14 $68 $776 $65
Expedition Eddie Bauer 2WD $188 $330 $226 $14 $68 $826 $69
Expedition Limited 2WD $188 $330 $226 $14 $68 $826 $69
Expedition Eddie Bauer 4WD $188 $330 $226 $14 $68 $826 $69
Expedition King Ranch 4WD $210 $330 $226 $14 $68 $848 $71
Expedition King Ranch 2WD $210 $330 $226 $14 $68 $848 $71
Expedition Limited 4WD $210 $330 $226 $14 $68 $848 $71
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in garaging location in St. Louis which can modify coverage prices considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $12 more each month or $144 annually than requesting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 21 months between claims, you would probably come out ahead by selecting a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $79
Average monthly premium for $500 deductibles (subtract): - $67
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Analysis of deductible levels

The illustration below shows how choosing a deductible and can influence Ford Expedition insurance costs for different categories of driver ages. The premiums assume a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Auto insurance is not optional in Missouri

Despite the high insurance cost for a Ford Expedition in St. Louis, buying auto insurance serves an important purpose.

The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. According to a 2015 survey, the average American driver is wasting up to $810 a year so you should quote rates each time the policy renews to be sure current rates are still competitive.

Learn How to Find Car Insurance More Affordably

Multiple criteria are taken into consideration when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are not as apparent such as your marital status or how safe your car is.

Do you qualify for discounts?

Car insurance companies don't always advertise all discounts in a way that's easy to find, so the following list contains a few of the more common and also the lesser-known savings tricks you should be using when you buy St. Louis car insurance online.Save money with discounts

Please keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Even though it appears you could get a free insurance policy, you aren't that lucky.

A partial list of companies who may offer most of the discounts above may include but are not limited to:

When getting a coverage quote, ask all companies you are considering which discounts they offer. Savings may not apply to policyholders in St. Louis. To locate insurance companies with the best discounts in Missouri, click here.

Will just any policy work for me?

When it comes to adequate coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's needs are different so your insurance needs to address that.Higher deductibles save money Here are some questions about coverages that could help you determine if your situation would benefit from an agent's advice.

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

You may want advice from a local insurance agent

Some consumers still prefer to sit down with an agent and there is nothing wrong with that. Professional agents will help you protect your assets and help file insurance claims. The best thing about comparing rates online is you may find cheap rate quotes and also buy local. Buying from and supporting local agencies is important particularly in St. Louis.

Insurance agents in St. LouisUpon completion of this form (opens in new window), your information gets sent to insurance agents in St. Louis who will gladly provide quotes for your coverage. You never need to find an agent on your own because quoted prices will be sent to you instantly. If you wish to compare rates for a specific company, you would need to navigate to their website to submit a rate quote request.

The following are St. Louis insurance companies willing to provide rate quotes for Ford Expedition insurance in St. Louis.

More St. Louis agents

Picking the best insurance company requires more thought than just a cheap quote. Any agent in St. Louis should have no problem answering these questions:

Frequent quotes can save

As you go through the steps to switch your coverage, make sure you don't skimp on critical coverages to save a buck or two. There are too many instances where someone dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

We just showed you a lot of tips how to compare Ford Expedition insurance prices in St. Louis. The most important thing to understand is the more you quote St. Louis car insurance, the higher your chance of finding affordable St. Louis car insurance quotes. You may even be surprised to find that the most savings is with a smaller regional carrier. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

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