Cheapest Insurance for a Ford Expedition in Anchorage

Insurance rates Ford Expedition in AnchorageIt’s a fact that car insurance companies don’t want you comparing rates. Consumers who get comparison quotes once a year will probably switch to a new company because of the high probability of finding a lower-priced policy. A recent survey discovered that consumers who make a habit of shopping around saved on average $3,450 over four years compared to people who never compared prices.

If saving money on Ford Expedition insurance in Anchorage is your objective, then knowing how to choose a company and compare cheaper coverage can make the process more efficient.

Really, the only way to find more affordable Ford Expedition insurance in Anchorage is to do an annual price comparison from providers in Alaska.

Step 1: Take a few minutes and learn about what coverages are included in your policy and the steps you can take to keep rates in check. Many rating criteria that increase rates such as accidents, traffic violations, and an imperfect credit score can be remedied by making small lifestyle or driving habit changes. Keep reading for additional ideas to get cheaper coverage and earn larger discounts.

Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of companies.

Step 3: Compare the quotes to your current policy and determine if there is any savings. If you find a better price and switch companies, make sure there is no lapse in coverage.

Step 4: Give proper notification to your current agent or company to cancel your current policy. Submit any necessary down payment along with the completed application to the new company. As soon as you can, safely store the certificate of insurance in an easily accessible location in your vehicle.

One thing to point out is that you use the same coverage limits and deductibles on every quote request and and to get quotes from as many carriers as you can. This ensures an apples-to-apples comparison and a thorough selection of prices.

When comparison shopping, comparing a large number of companies will enable you to find better pricing. Some regional insurers cannot provide online rate quotes, so you should also compare prices from those companies as well.

The following companies are ready to provide price quotes in Alaska. If you want the best auto insurance in Anchorage, it’s highly recommended you compare several of them to find the lowest car insurance rates.

Why you need car insurance

Even though Anchorage Expedition insurance rates can get expensive, buying car insurance may be mandatory for several reasons.

The benefits of having insurance definitely exceed the cost, especially if you ever need it. But the average American driver is overpaying over $700 annually so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.

Rates and information analytics

The rate information displayed next outlines estimates of insurance policy prices for Ford Expedition models. Understanding more about how auto insurance policy rates are figured helps drivers make smart choices when comparing insurance quotes.


Ford Expedition Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $234 $358 $312 $18 $94 $1,016 $85
Expedition XLT 2WD $264 $436 $312 $18 $94 $1,124 $94
Expedition SSV 4WD $264 $436 $312 $18 $94 $1,124 $94
Expedition XLT 4WD $264 $436 $312 $18 $94 $1,124 $94
Expedition Eddie Bauer 2WD $264 $514 $312 $18 $94 $1,202 $100
Expedition Limited 2WD $264 $514 $312 $18 $94 $1,202 $100
Expedition Eddie Bauer 4WD $264 $514 $312 $18 $94 $1,202 $100
Expedition King Ranch 4WD $294 $514 $312 $18 $94 $1,232 $103
Expedition King Ranch 2WD $294 $514 $312 $18 $94 $1,232 $103
Expedition Limited 4WD $294 $514 $312 $18 $94 $1,232 $103
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific location which can modify auto insurance rates greatly.

An analysis of deductible level

When buying car insurance, a common question is where should you set your physical damage deductibles. The rates shown below sum up the differences in premium rates of buying low and high comp and collision deductibles. The first table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.


Ford Expedition insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $234 $348 $232 $14 $70 $923 $77
Expedition XLT 2WD $264 $422 $232 $14 $70 $1,027 $86
Expedition SSV 4WD $264 $422 $232 $14 $70 $1,027 $86
Expedition XLT 4WD $264 $422 $232 $14 $70 $1,027 $86
Expedition Eddie Bauer 2WD $264 $498 $232 $14 $70 $1,103 $92
Expedition Limited 2WD $264 $498 $232 $14 $70 $1,103 $92
Expedition Eddie Bauer 4WD $264 $498 $232 $14 $70 $1,103 $92
Expedition King Ranch 4WD $294 $498 $232 $14 $70 $1,133 $94
Expedition King Ranch 2WD $294 $498 $232 $14 $70 $1,133 $94
Expedition Limited 4WD $294 $498 $232 $14 $70 $1,133 $94
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Ford Expedition insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Expedition SSV 2WD $130 $184 $232 $14 $70 $630 $53
Expedition XLT 2WD $146 $222 $232 $14 $70 $684 $57
Expedition SSV 4WD $146 $222 $232 $14 $70 $684 $57
Expedition XLT 4WD $146 $222 $232 $14 $70 $684 $57
Expedition Eddie Bauer 2WD $146 $262 $232 $14 $70 $724 $60
Expedition Limited 2WD $146 $262 $232 $14 $70 $724 $60
Expedition Eddie Bauer 4WD $146 $262 $232 $14 $70 $724 $60
Expedition King Ranch 4WD $164 $262 $232 $14 $70 $742 $62
Expedition King Ranch 2WD $164 $262 $232 $14 $70 $742 $62
Expedition Limited 4WD $164 $262 $232 $14 $70 $742 $62
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in Anchorage location which can lower or raise prices noticeably.

Based on these figures, using a $100 deductible costs an average of $30 more each month or $360 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 30 months between claims, you would most likely save money by going with a higher deductible.

How careless driving impacts car insurance rates

The example below illustrates how traffic citations and accident claims can drive up Ford Expedition yearly insurance costs for each age group. The premiums are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

Ford Expedition insurance rates by gender in Anchorage

The example below compares Ford Expedition insurance prices for male and female drivers. The rates are based on no claims or driving citations, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The chart below shows the comparison of Ford Expedition insurance prices when comparing full coverage to liability only. The data is based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There isn’t a written rule for phasing out physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s say your Ford Expedition claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $2,000 after the policy deductible has been paid. If you are paying over $200 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Don’t neglect these nine rate reducing discounts

Companies that sell car insurance don’t always list every discount they offer very clearly, so we researched some of the best known as well as the least known credits that may apply to you.Save money with discounts

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

The illustration below visualizes the comparison of Ford Expedition insurance prices with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or driving violations, Alaska state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, multi-policy, homeowner, and marriage discounts applied.

Larger auto insurance companies and their offered discounts are detailed below.

Before purchasing a policy, check with all companies you are considering the best way to save money. Depending on the company, some discounts may not apply to policies in Anchorage. To view providers that offer some of these discounts in Alaska, click this link.