Would you like to stop wasting money and find more competitive car insurance rates in San Antonio, TX? San Antonio shoppers have a choice when shopping for the lowest priced Ford Expedition insurance. They can either spend hours struggling with agents to compare prices or use the internet to get rate quotes. There are more efficient ways to find car insurance online and we’ll show you the best way to price shop coverage for a Ford and find the lowest price from both online companies and San Antonio agents.
A recent car insurance study discovered that 70% of consumers have remained with the same car insurance company for at least the last four years, and nearly 40% of drivers have never compared rates from other carriers. Texas drivers can save hundreds of dollars each year by just comparing quotes, but they don’t want to spend time to compare rates.
Companies offering cheap Ford Expedition rates in San Antonio, TX
The companies shown below offer quotes in Texas. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.
Statistics and details
The coverage information shown next highlights estimates of insurance rates for Ford Expedition models. Being able to understand how car insurance prices are established can be of help when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $282 | $476 | $366 | $22 | $110 | $1,256 | $105 |
| Expedition XLT 2WD | $318 | $580 | $366 | $22 | $110 | $1,396 | $116 |
| Expedition SSV 4WD | $318 | $580 | $366 | $22 | $110 | $1,396 | $116 |
| Expedition XLT 4WD | $318 | $580 | $366 | $22 | $110 | $1,396 | $116 |
| Expedition Eddie Bauer 2WD | $318 | $684 | $366 | $22 | $110 | $1,500 | $125 |
| Expedition Limited 2WD | $318 | $684 | $366 | $22 | $110 | $1,500 | $125 |
| Expedition Eddie Bauer 4WD | $318 | $684 | $366 | $22 | $110 | $1,500 | $125 |
| Expedition King Ranch 4WD | $354 | $684 | $366 | $22 | $110 | $1,536 | $128 |
| Expedition King Ranch 2WD | $354 | $684 | $366 | $22 | $110 | $1,536 | $128 |
| Expedition Limited 4WD | $354 | $684 | $366 | $22 | $110 | $1,536 | $128 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in vehicle garaging location which can revise insurance rates noticeably.
Policy deductible comparison
One of the more difficult decisions when buying car insurance is how high should your deductibles be. The data tables below may help to conceptualize the price difference when you select higher and lower coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $294 | $408 | $324 | $20 | $96 | $1,167 | $97 |
| Expedition XLT 2WD | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| Expedition SSV 4WD | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| Expedition XLT 4WD | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| Expedition Eddie Bauer 2WD | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| Expedition Limited 2WD | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| Expedition Eddie Bauer 4WD | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| Expedition King Ranch 4WD | $370 | $584 | $324 | $20 | $96 | $1,419 | $118 |
| Expedition King Ranch 2WD | $370 | $584 | $324 | $20 | $96 | $1,419 | $118 |
| Expedition Limited 4WD | $370 | $584 | $324 | $20 | $96 | $1,419 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $240 | $328 | $324 | $20 | $96 | $1,008 | $84 |
| Expedition XLT 2WD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Expedition SSV 4WD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Expedition XLT 4WD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Expedition Eddie Bauer 2WD | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| Expedition Limited 2WD | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| Expedition Eddie Bauer 4WD | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| Expedition King Ranch 4WD | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| Expedition King Ranch 2WD | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| Expedition Limited 4WD | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices significantly.
Based on the figures above, using a $250 deductible costs about $16 more each month or $192 annually than requesting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 16 months between claims, you would save money if you choose a higher deductible.
Ford Expedition insurance costs by age and gender
The diagram below illustrates the difference between Ford Expedition annual premium costs for male and female drivers. The rate quotes are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied.
Slash rates with these discounts on Ford Expedition insurance in San Antonio
Some insurers do not list every discount available in an easy-to-find place, so we break down some of the best known in addition to some of the lesser obvious insurance savings. If you do not double check each discount possible, you’re just leaving money on the table.
- Discount for Multiple Policies – If you combine your auto and home policies with the same insurance company you could get a discount of up to 20% off your total Expedition insurance premium.
- Fewer Miles Equal More Savings – Keeping the miles down on your Ford could qualify for discounted rates on garaged vehicles.
- Driving Data Discount – Policyholders that allow their insurance company to analyze driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if their driving habits are good.
- Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction but check with your company.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better insurance rates.
Just know that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, that’s just not realistic. Any qualifying discounts will reduce the amount you have to pay.
The illustration below illustrates the difference between Ford Expedition car insurance costs with and without discounts. The data assumes a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, marriage, multi-policy, and homeowner discounts applied.
To choose insurance companies who offer online Ford Expedition insurance quotes in San Antonio, click here to view.
How Insurance Providers Calculate Ford Expedition Insurance Costs
It’s important that you understand the factors that play a part in calculating your premiums. When you understand what determines base rates, this helps enable you to make changes that will entitle you to cheaper rates. Lots of factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but some are less apparent such as your credit history or how safe your car is.
- Safety ratings are a factor – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety have better occupant injury protection and fewer serious injuries means less money paid by your insurance company which can mean better rates for you. If your Ford scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Keep the miles off and save – The more miles you rack up on your Ford every year the more you will pay for car insurance. A lot of insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks that do not get driven very much get more affordable rates than cars that get driven a lot. Double check that your car insurance policy reflects the correct driver usage, because improper ratings can cost you money. An incorrectly rated Expedition can result in significantly higher rates.
- Don’t abuse claims – Companies in Texas generally give the lowest premiums to people who are claim-free. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
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Teenage drivers are expensive to insure – Youthful drivers in Texas are statistically shown to be more careless with other occupants in the car and because of this, their car insurance rates are much higher. More experienced drivers are shown to be more cautious, cost insurance companies less in claims, and are generally more financially stable.
The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
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Driving citations drive up costs – Even one speeding ticket or other violation may increase your cost by as much as twenty percent. Careful drivers get better rates than bad drivers. Drivers who get license-revoking tickets like DUI or willful reckless driving may find they need to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.
The illustration below demonstrates how citations and at-fault accidents can increase Ford Expedition auto insurance costs for each age group. The price estimates are based on a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.
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Insurance loss data for a Ford Expedition – Companies analyze claim trends for every vehicle to determine a price that will be profitable for them. Vehicles that statistically have higher claim amounts or frequency will have higher rates for specific coverages.
The data below shows the insurance loss data for Ford Expedition vehicles. For each policy coverage, the claim amount for all vehicles, as an average, is equal to 100. Values that are below 100 indicate a favorable loss history, while numbers that are greater than 100 point to more frequent losses or an increased chance of larger losses than average.
Auto Insurance Loss Data for Ford Expedition Models Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance is unique, just like you
When it comes to the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.
For instance, these questions might help in determining whether you may require specific advice.
- Do I have coverage when pulling a U-Haul trailer?
- Do I have ACV or replacement cost coverage?
- Do I have coverage when using my vehicle for my home business?
- Is my teenager covered with friends in the car?
- Is my teen driver covered when they drive my company car?
- What if a claim settlement is too low?
- What is an umbrella policy?
- Are all vehicle passengers covered by medical payments coverage?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.
Compare prices but buy from a neighborhood San Antonio auto insurance agent
A small number of people just prefer to go talk to an agent and that can be a great decision Agents are trained to spot inefficiencies and will help you if you have claims. One of the benefits of getting free rate quotes online is that you can find better rates and still choose a local agent.
To make it easy to find an agent, after completing this quick form, the quote information is instantly submitted to local insurance agents in San Antonio who will return price quotes for your insurance coverage. You won’t even need to leave your house due to the fact that quote results will go to you instantly. If you want to compare prices from a particular provider, you would need to search and find their rate quote page and fill out their quote form.
Picking the best company should depend on more than just the quoted price. Here are some questions you might want to ask.
- What companies can they write with?
- Do they offer rental car reimbursement?
- How is replacement cost determined on your vehicle?
- How much training do they have in personal risk management?
- Do you need full coverage on every vehicle?
Pick the best auto insurance agent in San Antonio for you
When finding a reliable insurance agency, it helps to know the two types of insurance agents and how they can write your policy. Insurance agencies in San Antonio can be classified as either exclusive or independent (non-exclusive). Either one can write policy coverage, but it’s important to point out why they differ since it may influence which type of agent you select.
Exclusive Agencies
Agents in the exclusive channel work for only one company such as Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on what they offer which helps them sell on service rather than price. Consumers sometimes buy from exclusive agents mainly due to the brand and the convenience of having a single billing for all their coverages.
Listed below is a short list of exclusive agents in San Antonio who may provide you with comparison quotes.
- Gary Kennedy – State Farm Insurance Agent
3029 S WW White Rd – San Antonio, TX 78222 – (210) 337-1786 – View Map - Jaime Luna – State Farm Insurance Agent
9719 Poteet Jourdanton Fwy Ste 103 – San Antonio, TX 78211 – (210) 927-5862 – View Map - Joe Trevino – State Farm Insurance Agent
4951 De Zavala Rd – San Antonio, TX 78249 – (210) 694-0866 – View Map
Independent Car Insurance Agents
Agents that choose to be independent are normally appointed by many insurers so they can write business through many different car insurance companies and find you cheaper rates. If your premiums go up, your policy is moved internally which requires no work on your part.
If you are comparing rate quotes, you definitely need to get quotes from multiple independent agents for the best price selection. Most also have access to small regional insurance companies that may provide cheaper car insurance rates.
The following is a short list of independent insurance agencies in San Antonio willing to provide price quotes.
- Ellis Insurance Agency
15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map - Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map - Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map
In Summary
People who switch companies do it for any number of reasons including poor customer service, high rates after DUI convictions, delays in paying claims or policy cancellation. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.
When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage for the lowest cost, not the least amount of coverage.
Lower-priced car insurance in San Antonio can be bought both online in addition to many San Antonio insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide the ability to get quotes online and these small, regional companies prefer to sell through local independent agencies.
Additional detailed information can be found in these articles:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- How Much are Auto Insurance Rates for a Ford F-150 in San Antonio? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- What are my Rights when Filing a Claim? (Insurance Information Institute)