Cheap Ford Expedition Insurance in Jersey City

If saving money is your primary concern, then the best way to get cheaper auto insurance rates in Jersey City is to annually compare prices from companies who sell auto insurance in New Jersey. You can compare rates by completing these steps.

The critical component of shopping around is that you use the same coverage limits and deductibles on every quote and and to get rate quotes from as many different companies as possible. Doing this guarantees a fair price comparison and the best price selection.

Insurance rates Ford Expedition in Jersey CityIt’s hard to fathom, but almost 70% of insureds in New Jersey renewed their policy with the same company for at least four years, and 38% of customers have never quoted rates to find cheap coverage. Consumers in America could save themselves up to $850 a year, but they don’t believe the rate savings if they replace their high priced policy.

The are a couple different ways of comparing rate quotes from local Jersey City insurance companies. The easiest way to find affordable Ford Expedition insurance rates is to get quotes online.

Getting rates online is very simple and it makes it a waste of time to actually drive to and from local Jersey City insurance agencies. The fact that you can get quotes online has made agencies unnecessary unless you want the guidance of a local Jersey City agent. Although, it is possible get prices online and have a local agent actually service the policy. When price shopping your coverage, obtaining a wide range of quotes increases the chance that you will find better pricing. Not every company provides Jersey City Expedition insurance quotes online, so it’s important to also get price quotes from them, too.

The auto insurance companies shown below can provide free rate quotes in Jersey City, NJ. To get the best cheap car insurance in New Jersey, we suggest you visit as many as you can to get the best price comparison.

Insurance discounts help lower rates for Ford Expedition insurance in Jersey City

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Some of these discounts will be visible at quote time, but a few need to be specially asked for prior to getting the savings.Save money with discounts

Discounts lower rates, but many deductions do not apply to the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

The chart below compares Ford Expedition annual premium costs with and without discounts. The premiums assume a female driver, no claims or driving violations, New Jersey state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-policy, multi-car, and marriage discounts applied.

A few companies who may offer many of the previously listed discounts possibly include:

Before buying, ask each insurance company how you can save money. A few discounts may not apply to policies in Jersey City. To find insurance companies with the best Ford Expedition insurance discounts in New Jersey, click here to view.

Rates and information analytics

The information displayed next highlights a range of insurance coverage prices for Ford Expedition models. Having knowledge of how insurance policy rates are calculated is important for you to make smart choices when comparing insurance quotes.

Ford Expedition Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $222 $318 $416 $24 $124 $1,104 $92
Expedition XLT 2WD $252 $386 $416 $24 $124 $1,202 $100
Expedition SSV 4WD $252 $386 $416 $24 $124 $1,202 $100
Expedition XLT 4WD $252 $386 $416 $24 $124 $1,202 $100
Expedition Eddie Bauer 2WD $252 $454 $416 $24 $124 $1,270 $106
Expedition Limited 2WD $252 $454 $416 $24 $124 $1,270 $106
Expedition Eddie Bauer 4WD $252 $454 $416 $24 $124 $1,270 $106
Expedition King Ranch 4WD $280 $454 $416 $24 $124 $1,298 $108
Expedition King Ranch 2WD $280 $454 $416 $24 $124 $1,298 $108
Expedition Limited 4WD $280 $454 $416 $24 $124 $1,298 $108
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in specific garaging location which can decrease or increase prices considerably.

Auto insurance rates by gender and age

The chart below visualizes the comparison of Ford Expedition insurance premiums for male and female drivers. The premiums assume no claims or violations, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.

Comparison of full coverage and liability-only policies

The example below shows the comparison of Ford Expedition car insurance rates when comparing full coverage to state minimum liability only. The data assumes no violations or accidents, $500 deductibles, single marital status, and no other discounts are factored in.

When to eliminate full coverage

There isn’t a written rule to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Ford Expedition book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If you are paying more than $600 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 recommended. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Jersey City auto insurance companies

Buying coverage from the highest-rated company is hard considering how many companies are available to choose from in Jersey City. The company ratings in the next section can help you analyze which auto insurance companies to look at when comparing rates.

Top 10 Jersey City Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. GEICO
  6. USAA
  7. State Farm
  8. Travelers
  9. Farmers Insurance
  10. Allstate

Top 10 Jersey City Car Insurance Companies Overall

  1. Mercury Insurance
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

How You Can Control Ford Expedition Insurance Prices

Many things are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, although some other factors are more transparent such as whether you are married or your financial responsibility.