Find Affordable Ford Expedition Insurance in Chandler

It’s astonishing, but almost 70% of drivers have remained with the same insurance company for four years or more, and 38% of drivers have never shopped around. Drivers in Arizona could cut their rates by $733 a year just by getting comparison quotes, but they don’t believe how much money they would save if they swap their current policy for a cheaper one.

It takes a little time, but the best way to find cheaper quotes for Ford Expedition insurance in Chandler is to do an annual price comparison from providers in Arizona. Rate comparisons can be done by following these steps.

First, gain an understanding of what is in your policy and the steps you can take to prevent expensive coverage. Many things that increase rates such as accidents, traffic tickets, and an unacceptable credit score can be improved by making small lifestyle or driving habit changes.

Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or State Farm, while independent agents can provide price quotes from multiple companies.

Third, compare the new quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and decide to switch, ensure coverage does not lapse between policies.

Fourth, tell your current agent or company of your intention to cancel your current auto insurance policy. Submit a down payment along with a signed application for your new policy. As soon as you can, place the new proof of insurance certificate in an accessible location in your vehicle.

One piece of advice is that you use similar coverage information on every price quote and and to get rate quotes from as many car insurance companies as possible. Doing this enables a fair price comparison and plenty of rates choose from.

The best way to compare car insurance rates for Ford Expedition insurance in Chandler is to know most of the larger companies have advanced systems to provide you with free rate quotes. The only thing you need to do is give the companies some data including whether you have decent credit, what you do for a living, if you require a SR-22, and coverage limits. That rating data is then sent to insurance carriers in your area and you will get price comparisons almost instantly.

To compare cheaper Ford Expedition insurance rates now, click here and complete the form.

The companies in the list below are ready to provide quotes in Chandler, AZ. If multiple companies are listed, we suggest you visit several of them to get the lowest price.

Lower-cost Chandler car insurance rates with discounts

Car insurance is neither fun to buy or cheap, but there may be some discounts that can drop the cost substantially. Some trigger automatically at the time of purchase, but some need to be inquired about before they will apply.

• Discounts for Multiple Vehicles – Buying a policy with all your vehicles with the same company may reduce the rate for each vehicle.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
• Telematics Devices – Policyholders that allow companies to study driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they have good driving habits.
• Include Life Insurance and Save – Insurance companies who offer life insurance give a break if you buy life insurance.
• Early Signing – Some larger companies give discounts for switching policies prior to your current Expedition insurance policy expiration. It’s a savings of about 10%.
• Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Military Deployment Discount – Being deployed with a military unit may lower your prices slightly.

Drivers should understand that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.

The diagram below shows the difference between Ford Expedition auto insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, safe-driver, and multi-policy discounts applied.

The best car insurance companies and the discounts they provide include:

• Progressive has discounts for multi-policy, good student, homeowner, continuous coverage, multi-vehicle, and online quote discount.
• SAFECO offers discounts for anti-theft, bundle discounts, teen safe driver, teen safety rewards, and accident prevention training.
• American Family may have discounts that include bundled insurance, good student, mySafetyValet, Steer into Savings, and good driver.
• MetLife includes discounts for good student, claim-free, multi-policy, defensive driver, good driver, accident-free
• GEICO offers premium reductions for daytime running lights, seat belt use, anti-theft, driver training, emergency military deployment, defensive driver, and military active duty.
• The Hartford may include discounts for defensive driver, anti-theft, vehicle fuel type, driver training, bundle, and good student.

Before you buy a policy, ask every company which discounts they offer. Some discounts listed above may not apply to policies in Chandler. To locate companies who offer discounts in Arizona, click this link.

Rates and detailed analysis

The coverage table displayed next covers detailed analysis of prices for Ford Expedition models. Being more informed about how insurance policy premiums are calculated can help you make smart policy decisions.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in zip code location which can revise price quotes significantly.

Choosing deductibles

When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The following insurance rates show the cost difference when you select higher and lower insurance deductibles. The first set of prices uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in vehicle location which can influence coverage prices greatly.

Based on this data, using a $250 deductible costs an average of $24 more each month or $288 for a full year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 31 months between claims, you would save more money if you choose a higher deductible.

Violations and accidents raise rates

The diagram below shows how traffic citations and accident claims can increase Ford Expedition insurance costs for each different age category. The premiums are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

Rate comparison of full coverage and liability-only

The example below visualizes the comparison of Ford Expedition premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or claims, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There is no set rule to exclude comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your Ford Expedition claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying your deductible. If you are currently paying more than $400 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Which car insurance company is best in Arizona?

Finding the top auto insurance provider can be a challenge considering how many choices drivers have in Arizona. The company information shown next can help you select which coverage providers you want to consider buying from.

Top 10 Chandler Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

Top 10 Chandler Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Learn How to Lower Your Insurance Costs

Lots of factors are part of the equation when quoting car insurance. Some factors are common sense like a motor vehicle report, but others are less obvious such as your credit history and annual miles driven. An important part of buying insurance is that you know the rating factors that go into determining your premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find cheaper rates.

The factors shown below are some of the major factors utilized by car insurance companies to help set rates.

• Are you male or female? – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Males and females are responsible for auto accidents in similar numbers, but the men tend to have more serious accidents. Not only are claims higher, but men receive more costly citations like reckless driving and DUI. Young males are several times more likely to be in an accident so they pay the highest premiums.

  The diagram below illustrates the comparison of Ford Expedition premium costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full physical damage coverage, $100 deductibles, drivers are single, and no other discounts are factored in.

• Small coverages can add up – There are a ton of additional extra coverages that you can get tricked into buying on your auto insurance policy. Things like vanishing deductibles, high-cost glass coverage, and membership fees are probably not needed. These may sound like a good investment when discussing your needs, but if you’ve never needed them in the past get rid of them and save.
• Vehicles with better crash test results lower rates – Vehicles with good safety scores cost less to insure. Vehicles built for safety have better occupant injury protection and reduced instances of injuries means lower claim amounts passed on to you as lower rates.
• Your vocation is a factor – Do you work in a high-stress field? Careers like military personnel, executives, and medical professionals are shown to have higher rates than the rest of us attributed to high stress and long work days. On the flip side, careers such as farmers, athletes and performers pay the least.

• Ford Expedition claim statistics – Insurers take into consideration insurance loss statistics for every vehicle when they file their rates in each state. Models that tend to have higher number or severity of losses will have a higher premium rate. The data below shows the collected loss data for Ford Expedition vehicles.

  For each coverage type, the loss probability for all vehicles averaged together equals 100. Values below 100 are indicative of better than average losses, while values that are above 100 indicate more frequent losses or statistically larger claims.

  
  

  Ford Expedition Insurance Loss Statistics

  Specific Ford Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Ford Expedition 4dr 2WD	67	88	82	55	45	70
  Ford Expedition 4dr 4WD	70	98	90	54	62	56
  Ford Expedition EL 4dr 2WD	74	104	97	52
  Ford Expedition EL 4dr 4WD	88	96	110	63	60	96

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years