How many times have you said it's time to compare low-cost Ford Expedition insurance in Colorado Springs? Nobody fancies paying their premiums for insurance, especially knowing the prices are way too high.

Insurance for Ford ExpeditionShocking but true, the vast majority of drivers renewed their policy with the same company for a minimum of four years, and virtually 40% of consumers have never taken the time to shop around. Colorado consumers could save an average of up to $600 each year by just shopping around, but they just don't want to go online and compare rates. Popular companies such as GEICO and Progressive continually hit you with ads and it is difficult to ignore the propaganda and do the work needed to find the best deal.

It's smart to compare premium rates at least once a year because insurance rates go up and down regularly. Despite the fact that you may have had the lowest premium rates on Ford Expedition insurance in Colorado Springs a few years ago you can probably find a lower rate today. There is lot of inaccurate information about Expedition insurance on the web, but we're going to give you some guaranteed methods to find affordable insurance in Colorado Springs.

If you are already insured or just want cheaper coverage, you will benefit by learning to lower your rates without having to cut coverage. Locating the best rates in Colorado Springs is much easier if you know where to start. You just have to learn how to buy insurance over the internet.

Companies offering Ford Expedition insurance in Colorado

The companies shown below are ready to provide free rate quotes in Colorado Springs, CO. If multiple companies are shown, we recommend you compare several of them in order to find the most affordable rates.

Ford Expedition Insurance Costs in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $276 $412 $308 $18 $92 $1,106 $92
Expedition XLT 2WD $162 $296 $338 $20 $102 $918 $77
Expedition SSV 4WD $264 $448 $314 $18 $94 $1,138 $95
Expedition XLT 4WD $264 $472 $338 $20 $102 $1,196 $100
Expedition Eddie Bauer 2WD $244 $500 $362 $22 $108 $1,236 $103
Expedition Limited 2WD $388 $644 $392 $24 $118 $1,566 $131
Expedition Eddie Bauer 4WD $244 $500 $362 $22 $108 $1,236 $103
Expedition King Ranch 4WD $308 $534 $404 $24 $120 $1,390 $116
Expedition King Ranch 2WD $390 $538 $392 $24 $118 $1,462 $122
Expedition Limited 4WD $310 $496 $308 $18 $92 $1,224 $102
Get Your Own Custom Quote Go

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in zip code location which can increase or decrease price quotes considerably.

Poor driving habits will raise your auto insurance rates

The example below illustrates how speeding tickets and accident claims can increase Ford Expedition car insurance costs for each age group. The premiums assume a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Choosing deductibles

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The tables below may help to illustrate the cost difference when you select higher and lower policy deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Ford Expedition insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $272 $376 $298 $18 $90 $1,079 $90
Expedition XLT 2WD $306 $458 $298 $18 $90 $1,195 $100
Expedition SSV 4WD $306 $458 $298 $18 $90 $1,195 $100
Expedition XLT 4WD $306 $458 $298 $18 $90 $1,195 $100
Expedition Eddie Bauer 2WD $306 $538 $298 $18 $90 $1,275 $106
Expedition Limited 2WD $306 $538 $298 $18 $90 $1,275 $106
Expedition Eddie Bauer 4WD $306 $538 $298 $18 $90 $1,275 $106
Expedition King Ranch 4WD $342 $538 $298 $18 $90 $1,311 $109
Expedition King Ranch 2WD $342 $538 $298 $18 $90 $1,311 $109
Expedition Limited 4WD $342 $538 $298 $18 $90 $1,311 $109
Get Your Own Custom Quote Go
Ford Expedition insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $220 $304 $298 $18 $90 $930 $78
Expedition XLT 2WD $250 $368 $298 $18 $90 $1,024 $85
Expedition SSV 4WD $250 $368 $298 $18 $90 $1,024 $85
Expedition XLT 4WD $250 $368 $298 $18 $90 $1,024 $85
Expedition Eddie Bauer 2WD $250 $434 $298 $18 $90 $1,090 $91
Expedition Limited 2WD $250 $434 $298 $18 $90 $1,090 $91
Expedition Eddie Bauer 4WD $250 $434 $298 $18 $90 $1,090 $91
Expedition King Ranch 4WD $278 $434 $298 $18 $90 $1,118 $93
Expedition King Ranch 2WD $278 $434 $298 $18 $90 $1,118 $93
Expedition Limited 4WD $278 $434 $298 $18 $90 $1,118 $93
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in vehicle location which can affect premiums noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $15 more each month or $180 for a full year than buying the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 17 months between claim filings, you would probably save some money by going with a higher deductible.

Auto insurance premiums based on gender

The example below illustrates the comparison of Ford Expedition auto insurance rates for male and female drivers. The premium estimates are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Cut your insurance rates with discounts

Some insurers don't list every possible discount very well, so here is a list a few of the more common and the more hidden credits available to bring down your rates. If you're not getting every credit you qualify for, you're paying more than you need to.

A little disclaimer on discounts, some credits don't apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it's just not the way it works.

For a list of companies who offer cheap Ford Expedition insurance quotes in Colorado Springs in Colorado Springs, click this link.

Your situation helps dictate your coverage

When selecting adequate coverage, there is no cookie cutter policy. Every insured's situation is different.

These are some specific questions can help discover whether you might need professional guidance.

If you can't answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It's fast, free and can help protect your family.

Are insurance agents of importance?

Certain consumers just want to go talk to an agent and there is nothing wrong with that. Licensed agents can help determine the best coverages and will help you if you have claims. An additional benefit of comparing insurance prices online is the fact that drivers can get cheaper premium rates but still work with a licensed agent.

After filling out this simple form, your coverage information is submitted to insurance agents in Colorado Springs that provide free Colorado Springs car insurance quotes for your coverage. You won't need to leave your computer due to the fact that quote results will go directly to you. If you want to get a rate quote from a specific company, feel free to go to their quote page and submit a quote form there.

Selecting an insurance company requires you to look at more than just a cheap price. Here are some questions to ask:

If you want a local Colorado Springs insurance agency, you must know there are a couple different types of agents and how they work. Agents in Colorado Springs are either exclusive or independent (non-exclusive). Either one can handle car insurance, but it's important to know the subtle differences because it can impact which agent you choose.

Exclusive Car Insurance Agents

These type of agents can only place business with one company and examples are State Farm, Allstate, and Farm Bureau. They generally cannot provide other company's prices so it's a take it or leave it situation. They are well schooled on sales techniques which aids in selling service over price.

Shown below are Colorado Springs exclusive agents who may provide you with comparison quotes.


1216 Academy Blvd N - Colorado Springs, CO 80909 - (719) 574-0210 - View Map


1045 W Garden of the Gods Rd Ste M - Colorado Springs, CO 80907 - (719) 528-6387 - View Map


3918 Academy Blvd N - Colorado Springs, CO 80917 - (719) 632-3700 - View Map

More Colorado Springs agents

Independent Agencies or Brokers

Agents of this type are normally appointed by many insurers and that is an advantage because they can write policies with many different companies and find the cheapest rate. If your premiums go up, they can switch companies in-house without you having to go to a different agency.

If you are comparing car insurance prices, you will definitely want to include rate quotes from a few independent agents to get the most accurate price comparison.

The following are Colorado Springs independent insurance agencies who can help you get rate quotes.


5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map


1863 N Circle Dr - Colorado Springs, CO 80909 - (719) 667-1301 - View Map


1880 Dublin Blvd # C - Colorado Springs, CO 80918 - (719) 528-1555 - View Map

More Colorado Springs agents

If you get good answers to all your questions as well as a price you're happy with, you have narrowed it down to a car insurance agent that can service your policy.

Can you really save if you switch?

Colorado drivers can't get away from ads that promise big savings for switching by companies like State Farm, GEICO and Progressive. All the ads make the same claim that drivers will save a bundle just by switching to them.

Is it even possible that every company can offer drivers better rates? It's all in the wording.

Many companies offer their best rates for the driver that earns them the highest profit. For instance, this type of insured should be between the ages of 30 and 50, has never had a claim, and the vehicle is rated for pleasure use. Any customer who matches that profile receives the best rates in Colorado Springs and as a result will probably save money with a new company.

Potential insureds who are not a match for the ideal profile will see higher prices which translates to the customer not purchasing. The ads state "drivers who switch" not "everyone that quotes" save that much when switching. This is how companies can lure you into getting a quote. Because each company has a different risk profile, you need to get a wide range of price quotes. It is impossible to predict which insurance companies will give you lower rates than your current company.

More quotes mean more car insurance savings

As you prepare to switch companies, never buy poor coverage just to save money. Too many times, an accident victim reduced full coverage only to regret at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the lowest possible cost, but don't skip important coverages to save money.

We covered many tips how you can shop for Ford Expedition insurance online. It's most important to understand that the more companies you get premium rates for, the higher the chance of saving money. Consumers may even find the lowest auto insurance rates come from the smaller companies.

Drivers leave their current company for any number of reasons including delays in paying claims, high prices, not issuing a premium refund and policy cancellation. It doesn't matter what your reason, choosing a new company is easier than you think.

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