How many times have you put off comparing quotes for more affordable Ford Expedition insurance in Honolulu? Locating low-cost insurance for your Ford Expedition in Hawaii can be a lot of work, but you can use these tips and make it easy. There is a better way to find auto insurance online so you’re going to learn the best way to compare rates for a Ford and find the lowest price from Honolulu insurance agents and online providers.
If you have a policy now or just want cheaper coverage, use these money-saving tips to get lower rates and still have adequate protection. Quoting and comparing rates for the cheapest car insurance in Honolulu is easy if you know what you’re doing. You only have to learn the most effective way to get comparison quotes from many different companies.
Informed Drivers Know How to Find Auto Insurance Cheaper
Part of the auto insurance buying process is learning the different types of things that help determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that could help you find lower rates. Many things are used when you quote your car insurance policy. Some are obvious such as your driving history, although some other factors are not quite as obvious such as whether you are married or how safe your car is.
Men are more aggressive – Statistics have proven that females take fewer risks when driving. It does not mean females are better drivers. Both sexes have accidents at about the same rate, but men have accidents that have higher claims. Not only are claims higher, but men receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.
The example below shows the comparison of Ford Expedition insurance premiums for male and female drivers. The information is based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no additional discounts are factored in.
Prices may be lower depending on your occupation – Occupations like doctors, airline pilots, and stock brokers tend to have higher rates than average due to high stress and incredibly demanding work hours. Other careers like actors, athletes and performers pay lower than average rates.
Safety first – Cars with five star safety ratings are cheaper to insure. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity means less claims paid and thus lower rates.
Lower performance equals lower insurance costs – The performance level of the car or truck you need insurance for makes a big difference in your premium level. The lowest premiums are usually found on low performance passenger models, but other factors influence the final cost greatly.
The next chart is based on a married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Ford Expedition car insurance rates compared to other makes and models that have a range of performances.
Responsible drivers pay the best costs – Getting just one speeding ticket may increase your cost by as much as thirty percent. Careful drivers get better prices as compared to careless drivers. Drivers unfortunate enough to have multiple citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
The illustration below highlights how speeding tickets and fender-benders can drive up Ford Expedition annual premium costs for each different age group. The data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Car plus home equals more savings – Most major insurance companies allow discounts to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can be ten percent or more. If you currently are using one company, it’s still a good idea to compare other Honolulu Expedition insurance rates to ensure the best deal.
Get married and pay less – Being married actually saves money on auto insurance. It usually means you are less irresponsible it has been statistically shown that married couples file fewer claims.
Expect high rates for teens – Inexperience drivers are known to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. More mature drivers tend to be more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets.
The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Insurance losses for a Ford Expedition – Insurance companies include the past claim trends for vehicles when determining insurance costs. Vehicles that are shown to have a higher amount or frequency of claims will have higher premium rates.
The table below shows the collected loss data for Ford Expedition vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Values below 100 indicate a favorable loss history, while values over 100 point to more frequent losses or a tendency for claims to be larger.
|Make and 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Ford Expedition coverage statistics
The price information below showcases detailed analysis of insurance prices for Ford Expedition models. Understanding more about how insurance rates are figured can assist in making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Expedition SSV 2WD||$162||$224||$230||$14||$68||$698||$58|
|Expedition XLT 2WD||$182||$272||$230||$14||$68||$766||$64|
|Expedition SSV 4WD||$182||$272||$230||$14||$68||$766||$64|
|Expedition XLT 4WD||$182||$272||$230||$14||$68||$766||$64|
|Expedition Eddie Bauer 2WD||$182||$320||$230||$14||$68||$814||$68|
|Expedition Limited 2WD||$182||$320||$230||$14||$68||$814||$68|
|Expedition Eddie Bauer 4WD||$182||$320||$230||$14||$68||$814||$68|
|Expedition King Ranch 4WD||$202||$320||$230||$14||$68||$834||$70|
|Expedition King Ranch 2WD||$202||$320||$230||$14||$68||$834||$70|
|Expedition Limited 4WD||$202||$320||$230||$14||$68||$834||$70|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in your specific Honolulu location which can alter auto insurance rates significantly.
The chart below demonstrates how deductibles and can influence Ford Expedition annual premium costs for different age groups of insureds. The price estimates are based on a single female driver, full physical damage coverage, and no other discounts are factored in.
Cost comparison with and without full coverage
The illustration below shows the difference between Ford Expedition insurance premiums with full coverage and liability only. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no clear-cut rule of when to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Ford Expedition replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after paying your policy deductible. If you are paying more than $400 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping physical damage coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Insurance discounts are available to get cheap rates
Not many people think insurance is cheap, but you can get discounts to reduce the price significantly. Some discounts apply automatically at the time of purchase, but some may not be applied and must be inquired about in order for you to get them.
- Drivers Education – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
- Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote Honolulu auto insurance depending on your company.
- Paperwork-free – Many insurance companies will discount your bill up to fifty bucks for buying your policy online.
- Multi-policy Discount – If you can combine your auto and homeowners policy with one insurance company you may save 10% to 20% off each policy.
- Onboard Data Collection – Honolulu drivers who agree to allow their company to scrutinize driving patterns by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
- Distant College Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Multi-line Discount – Select insurance carriers reward you with a lower insurance rate if you buy some life insurance in addition to your auto policy.
Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will help reduce the cost of coverage.
The chart below shows the difference between Ford Expedition insurance rates with and without discounts applied to the policy premium. The premiums assume a female driver, no claims or driving violations, Hawaii state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, marriage, homeowner, and safe-driver discounts applied.
Some of the insurance companies that possibly offer some of the discounts shown above are:
When quoting, ask each company which discounts you may be entitled to. Some discounts might not be available to policyholders everywhere.
How to find a good Honolulu auto insurance company
Finding a good quality car insurance company is difficult considering how many companies provide coverage in Honolulu. The ranking information listed below may help you analyze which auto insurers you want to consider when comparing rates.
Top 10 Honolulu Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- The Hartford
- Farmers Insurance
Top 10 Honolulu Car Insurance Companies by A.M. Best Rank
- USAA – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Progressive – A+
- The Hartford – A+
- AAA Insurance – A
- Liberty Mutual – A
Shop smart and save
When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability coverage limits only to find out they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.
Cost effective Ford Expedition insurance is possible online and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not offer online rate quotes and most of the time these smaller providers prefer to sell through independent insurance agents.
Steps to finding cheaper Ford Expedition insurance in Honolulu
The best way we recommend to get the cheapest car insurance rates is to make a habit of regularly comparing prices from providers who sell auto insurance in Honolulu.
- Take a few minutes and learn about how insurance works and the modifications you can make to prevent high rates. Many rating factors that are responsible for high rates such as at-fault accidents and poor credit history can be amended by being financially responsible and driving safely.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes from many different companies. Get quotes now
- Compare the new rate quotes to your current policy premium and determine if there is any savings. If you find a better price and make a switch, ensure coverage does not lapse between policies.
One key aspect of rate comparisons is to use the same deductibles and limits on each price quote and and to get price estimates from as many companies as feasibly possible. Doing this provides a fair price comparison and and a good selection of different prices.
Additional learning opportunities
- Medical Payments Coverage (Liberty Mutual)
- Who Has Cheap Honolulu Car Insurance Rates for Welfare Recipients? (FAQ)
- How Much are Honolulu Car Insurance Rates for Single Moms? (FAQ)
- What Auto Insurance is Cheapest for College Graduates in Honolulu? (FAQ)
- Who Has the Cheapest Honolulu Auto Insurance Rates for Young Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Government Employees in Honolulu? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Sentra in Honolulu? (FAQ)
- What Car Insurance is Cheapest for a Chevrolet Equinox in Honolulu? (FAQ)
- Child Safety FAQ (iihs.org)
- What is Covered by GAP Insurance? (Allstate)
- Teen Driving Statistics (iihs.org)