Want to learn how to find the cheapest Ford Fiesta insurance in Phoenix? Are you overwhelmed by the crazy number of car insurance providers in Phoenix? You have such a vast assortment of providers available that it can easily become a real hassle to lower your rates for Ford Fiesta insurance in Phoenix. If you’ve ever been there, you know that Phoenix is a great place to live, but finding the money to pay for car insurance can make it hard for many drivers to meet other financial obligations.
A recent car insurance study revealed that most car insurance policyholders kept buying from the same company for four years or more, and nearly the majority have never compared rates with other companies. Drivers in Arizona could save up to 50% every year, but most just don’t grasp how much they could save if they moved their coverage to a different company.
Smart consumers take time to compare premium rates at least once a year because prices change frequently. Even if you got the best quotes on Ford Fiesta insurance in Phoenix a year ago a different company probably has better rates today. Ignore everything you know about car insurance because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.
Quote Phoenix Ford Fiesta insurance online
When comparison shopping, there are several ways of comparing rates from different companies. The easiest way by far to find the lowest Ford Fiesta rates consists of shopping online.
When comparing auto insurance rates, know that comparing all the rates in your area provides better odds of finding a lower rate.
The companies in the list below have been selected to offer quotes in Phoenix, AZ. If more than one company is shown, it’s a good idea that you visit two to three different companies to find the cheapest auto insurance rates.
Auto insurance discounts are available to cut your rates
Auto insurance can be pricey, but there are discounts available that many people don’t even know exist. Some discounts apply automatically when you quote, but less common discounts must be specially asked for in order for you to get them.
- Professional Organizations – Joining a civic or occupational organization in Phoenix is a good way to get lower rates when getting a Phoenix car insurance quote.
- Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of 20 to 30 percent.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Paper-free Discount – Certain auto insurance companies will provide an incentive for buying your policy on their website.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
- Federal Employees – Active or retired federal employment can earn a discount up to 10% with select insurance companies.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up could save 15% off the PIP or medical payment premium.
- New Vehicle Savings – Buying a new car instead of a used Fiesta can get you a discount compared to insuring an older model.
Please keep in mind that some of the credits will not apply to the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
A few companies that may have some of the discounts shown above possibly include:
When getting free Phoenix car insurance quotes, it’s a good idea to each company or agent what discounts are available to you. Some credits may not apply in Phoenix. If you would like to choose from a list of companies with discount rates in Phoenix, click here to view.
When to get advice from a local insurance agent
A lot of people prefer to get professional advice from a licensed agent and that is just fine! The best thing about comparing auto insurance online is you may find the lowest rates and still choose a local agent. And supporting neighborhood insurance agencies is still important in Phoenix.
For easy comparison, once you complete this simple form, your coverage information is submitted to agents in your area that can provide free Phoenix car insurance quotes for your coverage. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent to your email. You can find lower rates without the usual hassles of price shopping. If you wish to quote rates from a specific company, you just need to find their quoting web page and fill out their quote form.
Insurance agent types
If you prefer to buy auto insurance from a reputable insurance agent or broker, there are a couple of different types of agents and how they can write your policy. Agencies in Phoenix are categorized either independent agents or exclusive agents.
Independent Auto Insurance Agencies
These agents are not employed by any specific company so they have the ability to put coverage through many companies and find you cheaper rates. If premiums increase, they simply move the coverage in-house which makes it simple for you. If you need lower rates, you should always check rates from several independent insurance agents so that you can do a thorough price comparison. Most have the option of insuring with companies you’ve never heard of which could offer lower prices.
Listed below is a short list of independent insurance agents in Phoenix that can give you pricing information.
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map - MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map - Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map
Exclusive Auto Insurance Agents
These type of agents have only one company to place business with and some examples include American Family, State Farm, and Allstate. They usually cannot shop your coverage around so always compare other rates. Exclusive insurance agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates. Some consumers prefer to purchase coverage from exclusives mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Below are Phoenix exclusive insurance agents who can help you get price quotes.
- Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 – View Map - Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map - American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359 – View Map
Finding a good insurance agent should depend on more than just a low price. Any good agent in Phoenix should know the answers to these questions.
- Which companies do they recommend if they are an independent agency?
- Will the agent help in case of a claim?
- By raising physical damage deductibles, how much would you save?
- When do they do a full risk review?
- Is the quote a firm price?
If you feel you receive reasonable responses to any questions you have as well as a price you’re happy with, you have narrowed it down to an insurance agent that is reputable and can provide auto insurance coverage. Just keep in mind once you purchase a policy you can cancel your coverage when you choose so don’t think you are locked into your new company for the entire policy term.
Do I just need basic coverages?
When buying the best insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different and your insurance should unique, too.
Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.
- Is business property covered if stolen from my car?
- What does medical payments coverage do?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What does medical payments cover?
- Do I need PIP coverage since I have good health insurance?
- If my car is totalled with they pay enough to replace it?
- How can I get high-risk coverage after a DUI?
- Should I have combined single limit or split liability limits?
- Should I put collision coverage on all my vehicles?
- At what point should I drop full coverage?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Smart Consumers Can Reduce Their Insurance Rates
It’s important that you understand a few of the rating criteria that help determine the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this enables you to make decisions that may result in lower rates.
The factors shown below are some of the most common factors utilized by car insurance companies to help set your prices.
Why do you need liability coverage? – Liability insurance will afford coverage if ever a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
Marriage discount – Your spouse can get you a discount on auto insurance. Having a significant other usually means you are more stable financially and statistics show married drivers tend to file fewer claims.
Multiple policies with one company – Most major companies afford discounts for people who have multiple policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, consumers should still shop around to help guarantee you have the best rates.There is a chance you can save money even if you have your coverage with different companies
Prices also based on gender – Statistics have proven that females tend to be a little less risky than males. However, don’t assume that females are better drivers. Both sexes have fender benders in similar percentages, but men tend to have more serious accidents. Men also tend to get cited for more serious violations such as reckless driving.
Performance influences insurance prices – The make and model of the car or truck you own makes a big difference in how high your rates are. The most favorable rates are usually found on the lowest performance passenger vehicles, but there are many factors that impact the final cost. Since the Ford Fiesta falls in the passenger car class, insuring your vehicle will cost similar in price or lower when compared to the average rates in Phoenix.
Know your credit rating – Having a bad credit score factor in determining what you pay for auto insurance. Consumers who have good credit tend to be more responsible than drivers who have worse credit. So if your credit history leaves room for improvement, you could save money insuring your Ford Fiesta if you improve your credit rating.
Insurance loss data for Ford Fiesta vehicles – Companies analyze the history of losses to calculate a rate that will offset any claims. Vehicles that are shown to have a trend towards higher claims will have higher rates for specific coverages. The table shown below demonstrates the actual insurance loss data for Ford Fiesta vehicles.
For each policy coverage, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Numbers below 100 indicate better than average losses, while values that are 100 or greater point to more frequent losses or tendency to have higher losses.
Ford Fiesta Insurance Loss Statistics
| Specific Ford Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fiesta | 96 | 91 | 73 | 115 | 123 | 113 |
Statistics from IIHS.org for 2013-2015 Model Years
Insurance protects more than just your car
Despite the high cost of buying insurance for a Ford Fiesta in Phoenix, insuring your vehicle is a good idea for several reasons.
- Most states have compulsory liability insurance requirements which means the state requires a minimum amount of liability in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Fiesta, almost every bank will make it mandatory that you buy insurance to protect their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Ford for a much higher rate and force you to pay for it.
- Insurance protects not only your vehicle but also your financial assets. Insurance will also pay for hospital and medical expenses that are the result of an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays as much as $820 a year so we recommend shopping around at least once a year to be sure current rates are still competitive.
Don’t give up on cheaper premiums
Throughout this article, we presented some good ideas how you can reduce Ford Fiesta insurance rates online in Phoenix. It’s most important to understand that the more you quote Phoenix car insurance, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from an unexpected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.
Cheap Ford Fiesta insurance in Phoenix is available online and from local insurance agents, so you need to shop Phoenix car insurance with both to have the best selection. A few companies do not offer online quoting and these smaller providers prefer to sell through local independent agents.
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