Want to know an easy way to compare the cheapest Ford Explorer Sport Trac insurance in Phoenix? Getting more affordable Phoenix Ford Explorer Sport Trac insurance quotes can be overwhelming for consumers who are new to buying their insurance on the web. Since there are so many insurance companies available, how can anyone effectively compare all the different companies and get the best available rates?
Unthinkable but true, most drivers have bought insurance from the same company for more than four years, and 38% of customers have never compared rates with other companies. Consumers in Phoenix can cut their rates by nearly 50% a year by just comparing quotes, but they don’t believe the amount of savings they would get if they switch to a new company.
Smart consumers take time to get comparison quotes every six months since rates are variable and change quite frequently. Just because you had the best rate on Ford Explorer Sport Trac insurance in Phoenix a couple years back the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because it’s time to teach you the proper way to save money, get proper coverage and the best rates.
Locating the best rates in Phoenix is actually quite easy if you know where to start. Basically, every vehicle owner who requires lower cost insurance will most likely be able to cut their insurance bill. Nevertheless, Arizona consumers must understand the way companies market on the web because it can help you find the best coverage.
Cheapest Ford insurance prices in Phoenix
The companies shown below are ready to provide comparison quotes in Arizona. If the list has multiple companies, it’s highly recommended you visit several of them to find the cheapest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $120 | $198 | $306 | $18 | $92 | $734 | $61 |
| Explorer Sport Trac Limited 2WD | $162 | $266 | $338 | $20 | $102 | $888 | $74 |
| Explorer Sport Trac XLT 4WD | $130 | $186 | $308 | $18 | $92 | $734 | $61 |
| Explorer Sport Trac Limited 4WD | $290 | $480 | $404 | $24 | $122 | $1,320 | $110 |
| Explorer Sport Trac Limited AWD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific location information which can revise coverage prices considerably.
Does it make sense to buy full coverage?
The chart below shows the difference between Ford Explorer Sport Trac auto insurance costs when comparing full coverage to liability only. The information is based on no claims or driving violations, $500 deductibles, single female driver, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no clear-cut rule of when to stop paying for physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Ford Explorer Sport Trac replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after the policy deductible has been paid. If it’s costing you more than $800 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some circumstances where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Physical damage deductible comparison
One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The tables below can help show the differences in price when you buy lower versus higher policy deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Explorer Sport Trac Limited 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer Sport Trac XLT 4WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer Sport Trac Limited 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Sport Trac 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 Sport Trac XLT 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Explorer Sport Trac Limited 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Explorer Sport Trac XLT 4WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Explorer Sport Trac Limited 4WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Explorer Sport Trac Limited AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific location which can affect auto insurance rates substantially.
Using the data above, we can ascertain that using a $100 deductible costs about $28 more each month or $336 annually than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at least 32 months between claim filings, you would probably come out ahead if you choose a higher deductible.
Rate comparison of male drivers versus female drivers
The diagram below compares Ford Explorer Sport Trac auto insurance costs for male and female drivers. The prices are based on no claims or driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are taken into consideration.
How Your Explorer Sport Trac Insurance Prices are Determined
One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that play a part in calculating your policy premiums. When consumers understand what impacts premium levels, this enables informed choices that may reward you with big savings.
The itemized list below are some of the things companies use to determine your rate level.
Type of vehicle determines base rates – The performance of the car you drive makes a substantial difference in your car insurance bill. Because the Ford Explorer Sport Trac is considered a standard SUV, insurance will be slightly more when compared to the average rates in Phoenix. Low performance passenger vehicles usually have the lowest rates, but that’s not the only thing that factors into the final price.
What are good liability insurance limits? – Your car insurance policy’s liability coverage will provide protection if you are found liable for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not cut corners here.
High deductibles lower costs – Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your Ford. A few examples of covered claims would be a windshield shattered by a rock, damage from fire, and damage caused by flying debris. The deductibles are how much the insured will be required to pay in the event of a claim. The more expense you pay before a claim is paid (deductible), the less your company will charge you for insurance.
Gender as a rate factor – Statistics have proven females are less aggressive when driving. However, this does not mean men are WORSE drivers than women. Females and males get in accidents in similar numbers, but the males cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as reckless driving. Teenage male drivers generally have the highest accident percentage so it costs more to insure them.
Get cheaper Ford Explorer Sport Trac insurance rates in Phoenix
Companies offering auto insurance do not advertise all their discounts very well, so the below list has both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Phoenix auto insurance online.
- Seat Belts Save – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the personal injury premium cost.
- Multiple Vehicles – Having multiple cars with the same company can reduce rates for all insured vehicles.
- No Claim Discounts – Insureds with no claims or accidents have much lower rates in comparison with drivers who are more careless.
- Active Service Discounts – Being on active duty in the military could qualify you for better premium rates.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
Consumers should know that some of the credits will not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.
Popular insurance companies and some of the discounts can be read below.
- State Farm may include discounts for Drive Safe & Save, student away at school, multiple policy, Steer Clear safe driver discount, good driver, good student, and accident-free.
- Progressive offers discounts including homeowner, online quote discount, online signing, continuous coverage, multi-vehicle, and good student.
- Travelers discounts include good student, student away at school, driver training, new car, multi-policy, and multi-car.
- American Family offers discounts for defensive driver, bundled insurance, good student, good driver, and multi-vehicle.
- Liberty Mutual has savings for safety features, new graduate, preferred payment discount, new move discount, multi-policy, good student, and multi-car.
If you want low cost Phoenix auto insurance quotes, ask every insurance company which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders in your area. To locate insurers offering insurance discounts in Phoenix, click here to view.
Buying from auto insurance agents
A lot of people would rather sit down and talk to an agent. The best thing about comparing insurance prices online is you can get lower car insurance rates and still choose a local agent.
After completing this simple form, your insurance data is submitted to local insurance agents in Phoenix that give free quotes and help you find cheaper coverage. You won’t even need to find an agent since price quotes are sent straight to your inbox. You’ll get the best rates and a licensed agent to work with. If you wish to get a rate quote from one company in particular, feel free to find their quoting web page and give them your coverage information.
Selecting an provider requires more thought than just a cheap price. A good agent in Phoenix will have answers to these questions.
- Are there any extra charges for paying monthly?
- How long have they been in business?
- If you are a high risk driver, do they have special markets for your coverage?
- Will the agent or a CSR service your policy?
- Do they offer rental car reimbursement?
If you’re trying to find a local Phoenix insurance agent, it helps to know the two types of agencies and how they can quote your rates. Insurance agents in Phoenix can be categorized as either independent agents or exclusive agents depending on their employer.
Exclusive Agencies
Agents in the exclusive channel can only provide one company’s prices such as Farmers Insurance and State Farm. They generally cannot provide rate quotes from other companies so they really need to provide good service. These agents are well schooled on their products and sales techniques and that can be a competitive advantage. Consumers sometimes buy from the same agent for years partially due to the brand and strong financial ratings.
The following is a short list of exclusive agents in Phoenix that can give you rate quotes.
- Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048 – View Map - Lula Smith – State Farm Insurance Agent
7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793 – View Map - Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284 – View Map
Independent Insurance Agents
These type of agents often have affiliation with several companies so they have the ability to put coverage with a variety of different insurance companies and get the cheapest rates. If you are not satisfied with one company, your agent can switch companies which makes it simple for you. If you need cheaper insurance rates, you will definitely want to get rate quotes from independent agents for maximum quote selection. Most have the option of insuring with mutual insurance companies which can save you money.
Below are independent insurance agencies in Phoenix that are able to give comparison quotes.
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map - Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map - Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
After talking to the agent and getting reasonable responses as well as a affordable price, it’s possible that you found a car insurance agent that can be trusted to adequately provide insurance. Just remember you can cancel coverage at any time so never assume you’re contractually obligated to the insurance policy with no way to switch.
Your insurance coverage should be tailored to you
When choosing the right insurance coverage, there really isn’t a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply.
These are some specific questions might help in determining if your insurance needs will benefit from professional help.
- If my pet gets injured in an accident are they covered?
- How high should my uninsured/underinsured coverage be in Arizona?
- Should I get collision insurance on every vehicle?
- Can I afford to buy a different vehicle if my Ford Explorer Sport Trac is totaled?
- Why do I only qualify for high-risk insurance?
- Do I benefit by insuring my home with the same company?
- Can I make deliveries for my home business?
- Are my tools covered if they get stolen from my vehicle?
If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
In Summary
We just showed you many ways to lower your Ford Explorer Sport Trac insurance premium rates in Phoenix. It’s most important to understand that the more you quote Phoenix auto insurance, the better your comparison will be. Consumers may even find the lowest premium rates are with a company that doesn’t do a lot of advertising. These companies may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive and GEICO.
Budget-conscious Ford Explorer Sport Trac insurance can be bought both online in addition to many Phoenix insurance agents, so you should compare both to have the best selection. A few companies may not offer price quotes online and these small, regional companies only sell through independent agents.
Other learning opportunities
- Safety Belts FAQ (iihs.org)
- What Insurance is Cheapest for Infrequent Drivers in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with Accidents in Phoenix? (FAQ)
- Teen Driving Statistics (iihs.org)
- Child Safety FAQ (iihs.org)