How long has it been since you shopped around for the cheapest insurance rates in Phoenix, AZ? Phoenix drivers have many options when trying to find affordable Ford Explorer insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to make rate comparisons.
There is a better way to buy insurance and you need to know the absolute fastest way to get price quotes for a new or used Ford and obtain the cheapest rates from Phoenix insurance agents and online providers.
Sadly, nearly 70% of consumers renewed their policy with the same company for more than four years, and 38% of customers have never compared rates with other companies. Arizona drivers could save nearly $730 each year by just shopping around, but they think it’s difficult to do a rate comparison.
Consumers need to check insurance prices occasionally because insurance prices fluctuate regularly. If you had the best rate on Ford Explorer insurance in Phoenix on your last policy a different company probably has better premium rates today. There is a lot of bad information regarding Explorer insurance on the internet, but in just a couple of minutes you can learn the best ways to lower your insurance premiums.
If you have insurance now or need a new policy, take advantage of these tips to lower your rates without sacrificing coverage. The intent of this article is to familiarize you with the best way to buy inexpensive insurance and how to save the most money. Consumers just need to know how to shop over the internet.
Don’t overlook these Ford Explorer insurance discounts
Insurance is not inexpensive, but you may qualify for discounts that you may not even be aware of. Many discounts should be triggered when you purchase, but a few need to be specially asked for before they will apply.
- Government Employees – Having worked for a branch of the government may qualify for a discount when you quote Phoenix auto insurance with select insurance companies.
- Theft Deterrent – Vehicles that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more on Explorer insurance in Phoenix.
- No Claim Discounts – Phoenix drivers who stay claim-free can save substantially as compared to policyholders that have many claims.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
- Defensive Driving Course – Taking a defensive driver course is a good idea and can lower rates if you qualify.
- Bundled Policy Discount – If you can bundle your homeowners and auto insurance and insure them with the same company you could get a discount of at least 10% off all policies.
A little note about advertised discounts, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
For a list of insurance companies with discount rates in Phoenix, click here to view.
The quickest method we recommend to compare car insurance rates for Ford Explorer insurance in Phoenix is to take advantage of the fact most larger insurance companies will pay a fee to compare rate quotes. The one thing you need to do is provide details including what your job is, if it has an alarm system, if a SR-22 is required, and if your license is active. That rating data gets transmitted to insurance companies and you get price estimates instantly to find the best rate.
To start a quote now, click here and enter the information requested.
The following companies are our best choices to provide quotes in Phoenix, AZ. If multiple companies are shown, it’s highly recommended you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $140 | $232 | $362 | $22 | $108 | $864 | $72 |
| Explorer Eddie Bauer 2WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| Explorer XLT 4WD | $248 | $432 | $390 | $24 | $116 | $1,210 | $101 |
| Explorer XLT AWD | $232 | $320 | $300 | $18 | $90 | $960 | $80 |
| Explorer Eddie Bauer 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Explorer Eddie Bauer AWD | $264 | $428 | $308 | $18 | $92 | $1,110 | $93 |
| Explorer Limited 2WD | $204 | $332 | $288 | $18 | $86 | $928 | $77 |
| Explorer Limited 4WD | $290 | $480 | $404 | $24 | $122 | $1,320 | $110 |
| Explorer Limited AWD | $264 | $428 | $308 | $18 | $92 | $1,110 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in zip code location which can change price quotes greatly.
Auto insurance deductibles
One frequently asked question is how high should the physical damage deductibles be. The figures shown below lay out the premium difference between high and low coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer Eddie Bauer 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer XLT 4WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer XLT AWD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer Eddie Bauer 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Eddie Bauer AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Limited 2WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Limited 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Limited AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Explorer Eddie Bauer 2WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Explorer XLT 4WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Explorer XLT AWD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Explorer Eddie Bauer 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Explorer Eddie Bauer AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Explorer Limited 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Explorer Limited 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Explorer Limited AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in your specific Phoenix location which can increase or decrease premium rates considerably.
Based on the figures above, using a $100 deductible costs about $20 more each month or $240 a year than quoting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 20 months between claim filings, you would probably save some money if you choose a higher deductible.
Bad driving habits will cost you more
The example below shows how violations and fender-benders can impact Ford Explorer premium costs for different insured age categories. The data is based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Ford Explorer insurance premiums by gender and age
The illustration below shows the comparison of Ford Explorer car insurance rates for male and female drivers. The information is based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Compare prices but buy from a neighborhood Phoenix auto insurance agent
A small number of people still prefer to buy from a licensed agent and that is a smart decision Agents are trained risk managers and help you file claims. The best thing about comparing car insurance online is the fact that you can find cheap rate quotes but still work with a licensed agent. Buying from and supporting neighborhood agents is important particularly in Phoenix.
To help locate an agent, after submitting this form (opens in new window), your insurance data is emailed to local insurance agents who will give you bids for your insurance coverage. You never need to do any legwork as quotes are delivered straight to your inbox. If you have a need to get a price quote from one company in particular, feel free to find their quoting web page and give them your coverage information.
When looking for a good insurance agency, it can be helpful to understand the different agency structures that you can choose from. Agents in Phoenix are classified as either independent or exclusive depending on the company they work for. Both types can insure your vehicles properly, but we need to point out the differences since it can affect which agent you choose.
Independent Agents
Agents that elect to be independent do not work for one specific company so they can quote policies with many different companies and find the cheapest car insurance rates. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to switch agencies.
When comparing rate quotes, you need to compare quotes from multiple independent agents to have the best price comparison. A lot of them also have access to smaller companies that may have much lower rates than larger companies.
The following are independent insurance agents in Phoenix who can help you get comparison quotes.
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map - Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map - Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map
Exclusive Agents
Agents that choose to be exclusive have only one company to place business with such as American Family, State Farm, and AAA. Exclusive agencies are unable to give you multiple price quotes so they really need to provide good service. Exclusive insurance agents receive a lot of sales training in insurance sales which helps them sell insurance even at higher premiums. A lot of people choose to use an exclusive agent mainly due to the prominent brand name and strong financial ratings.
Below is a short list of exclusive agents in Phoenix that can give you price quotes.
- Andra Jeffress – State Farm Insurance Agent
1704 W Bethany Home Rd – Phoenix, AZ 85015 – (602) 249-1037 – View Map - Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 – Phoenix, AZ 85020 – (602) 371-0581 – View Map - State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024 – 751 E Union Hills Dr #A9, AZ 85024 – (602) 788-6700 – View Map
Choosing the best auto insurance agent should depend on more than just the quoted price. Agents should be asked these questions:
- Does the agent help file claims?
- Is the agent and/or agency licensed to do business in Arizona?
- Are there any extra charges for paying monthly?
- Is every driver in your family covered?
- Can glass claims be handled at your home?
- Who are their largest clients?
- Do they offer accident forgiveness?
- Are they paid to recommend certain coverages?
One last note
A few companies do not provide the ability to get quotes online and usually these smaller providers only sell through independent insurance agents. Cost effective Ford Explorer insurance can be purchased both online in addition to many Phoenix insurance agents, so compare prices from both to have the best chance of lowering rates.
When getting Phoenix auto insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed liability coverage limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.
Throughout this article, we presented some good ideas how you can shop for Ford Explorer insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier.
Additional articles
- Rollover Crash FAQ (iihs.org)
- How Much is Phoenix Car Insurance for Good Students? (FAQ)
- What Car Insurance is Cheapest for Drivers Requiring a SR22 in Phoenix? (FAQ)
- How Much are Phoenix Auto Insurance Rates for a Dodge Ram? (FAQ)
- How Much are Phoenix Car Insurance Rates for Real Estate Agents? (FAQ)
- How Much is Auto Insurance for a Company Car in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance for Young Drivers in Phoenix? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Shopping for a Safe Car (Insurance Information Institute)
- Safe Vehicles for Teens (iihs.org)