Compare Ford Explorer Insurance Quotes in Chandler

Looking for the cheapest Ford Explorer insurance in Chandler? Have you had enough of trying to scrape together enough money to insure your Ford every month? You are in the same boat as many other drivers in Arizona.

Insurance for Ford ExplorerA recent auto insurance study discovered that almost 70% of insureds have remained with the same auto insurance company for at least the last four years, and just under half have never shopped around. Most drivers in Arizona can save hundreds of dollars each year, but most undervalue the rate savings if they swap their current policy for a cheaper one. Drivers have multiple insurers to insure vehicles with, and although it’s nice to be able to choose, more choices can make it harder to compare rates for Ford Explorer insurance in Chandler.

Choosing the best insurance company for you in Chandler is really quite easy. If you have a current auto insurance policy, you will definitely be able to reduce premiums using the techniques covered below. Smart buyers just need to use the fastest way to find the lowest price online from multiple companies.

Where can I get low cost Chandler Ford Explorer insurance?

Getting a cheap price on insurance is a fairly straight forward process. All you need to do is take time getting comparison quotes to find out which insurance company has the cheapest Ford Explorer rate quotes.

Doing price comparisons online is so simple that it takes the place of having to make phone calls or go to all the different Chandler insurance agencies. The internet eliminates this option unless you prefer the professional abilities of a local agency. Some companies do allow you to comparison shop online and get advice from an agent in your area.

The companies shown below can provide comparison quotes in Chandler, AZ. If you want to find cheap car insurance in Chandler, it’s a good idea that you visit as many as you can to get the cheapest price.

Get cheaper Ford Explorer insurance in Chandler with discounts

Some providers do not advertise all possible discounts in a way that’s easy to find, so we took the time to find a few of the more well known and also the lesser-known discounts that may be available. If you check and find you aren’t receiving every discount you deserve, you are just wasting money.Discount auto insurance

Discounts reduce rates, but you should keep in mind that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.

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

A list of auto insurance companies and some of their more popular discounts are:

When getting a coverage quote, ask each company or agent how you can save money. Depending on the company, some discounts might not be available to policyholders in Chandler. To see a list of companies that offer some of these discounts in Chandler, click here.

Ford Explorer detailed coverage information

The data table below highlights a range of insurance prices for Ford Explorer models. Being able to understand how rate quotes are determined can benefit drivers when making decisions on which insurance to purchase.

Ford Explorer Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $258 $394 $404 $24 $122 $1,202 $100
Explorer Eddie Bauer 2WD $258 $394 $404 $24 $122 $1,202 $100
Explorer XLT 4WD $258 $394 $404 $24 $122 $1,202 $100
Explorer XLT AWD $258 $394 $404 $24 $122 $1,202 $100
Explorer Eddie Bauer 4WD $290 $480 $404 $24 $122 $1,320 $110
Explorer Eddie Bauer AWD $290 $480 $404 $24 $122 $1,320 $110
Explorer Limited 2WD $290 $480 $404 $24 $122 $1,320 $110
Explorer Limited 4WD $290 $480 $404 $24 $122 $1,320 $110
Explorer Limited AWD $290 $480 $404 $24 $122 $1,320 $110
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in specific location information which can decrease or increase coverage rates significantly.

The illustration below shows how choosing a deductible and can change Ford Explorer annual premium costs for each age group. The data assumes a single male driver, full physical damage coverage, and no discounts are applied.

Ford Explorer insurance premiums by gender and age

The information below compares Ford Explorer insurance costs for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Exclusive or independent car insurance agents

Some people just prefer to get advice from a local agent and that is a smart decision Insurance agents are trained risk managers and help you file claims. One of the benefits of comparing insurance online is you may find cheap insurance quotes but also keep your business local.

Find insurance agent in ChandlerTo make it easy to find an agent, after completing this short form, the coverage information is instantly submitted to local insurance agents in Chandler that can give you free Chandler car insurance quotes for your business. There is no need to leave your computer because quoted prices will be sent to your email. If you have a need to quote rates from a specific insurance provider, you can always jump over to their website and fill out their quote form.

Choosing the best provider should depend on more than just a cheap quote. You should also get answers to these questions.

If you’re trying to find a reputable insurance agent or broker, there are a couple of different agency structures and how they can service your needs differently. Insurance policy providers can be categorized as either independent (non-exclusive) or exclusive. Both types can write policy coverage, but it is a good idea to know the differences since it can impact your selection of an agent.

Exclusive Insurance Agencies

Agents in the exclusive channel can usually just insure with one company and some examples include American Family, State Farm, and AAA. They generally cannot place coverage with different providers so you might not find the best rates. They are usually quite knowledgeable on their products and sales techniques which aids in selling service over price.

The following are exclusive agencies in Chandler willing to provide price quotes.

825 West Warner RoadChandler, AZ 85225(480) 899-7878View Map

3107 S Gilbert Rd #109Gilbert, AZ 85295(480) 732-9696View Map

2330 N Alma School Rd Ste 126Chandler, AZ 85224(480) 526-8277View Map

More Chandler agents

Independent Agencies or Brokers

Agents that choose to be independent do not work for one specific company so they can write business through many different insurance companies enabling the ability to shop coverage around. If prices rise, they simply switch companies in-house and you can keep the same agent. When comparing insurance prices, you need to include rate quotes from multiple independent agents for the best price selection.

The following are Chandler independent agents that are able to give comparison quotes.

2500 N Alma School RdChandler, AZ 85224(480) 855-7000View Map

4221 E Chandler Blvd # 119Phoenix, AZ 85048(480) 759-1970View Map

Sunvalley Insurance (Agency)
4960 S Gilbert Rd #1Chandler, AZ 85249(480) 626-7218View Map

More Chandler agents

You are unique and your auto insurance should be too

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that.Drive safe and save
For example, these questions can help discover if your situation could use an agent’s help.

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Lower Your Chandler Insurance Costs

It’s important that you understand a few of the rating criteria that help determine the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get cheaper rates. Many different elements are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although some other factors are more obscure like where you live or your commute time.

Best reasons to buy auto insurance in Arizona

Despite the potentially high cost of Ford Explorer insurance, insurance is required in Arizona but also provides important benefits.

The benefits of carrying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in Arizona is wasting up to $865 each year so compare rates once a year at a minimum to ensure rates are competitive.

What is the best car insurance company in Chandler?

Picking the right car insurance provider is difficult considering how many companies there are in Arizona. The company rank data below can help you choose which auto insurers to look at when looking for cheaper rates.

Chandler, Arizona Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies

One last note

When searching for inexpensive Chandler car insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced liability coverage limits only to regret at claim time that it was a big error on their part. Your aim should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

Cheaper Ford Explorer insurance in Chandler is definitely available both online as well as from independent agents in Chandler, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not offer rate quotes online and usually these regional carriers sell through local independent agents.

How to find low-cost Ford Explorer insurance in Chandler

If saving money is your primary concern, then the best way to find affordable auto insurance rates in Chandler is to make a habit of regularly comparing prices from companies in Arizona. Rate comparisons can be done by completing these steps.

The key thing to remember is to make sure you’re comparing similar limits and deductibles on each quote and and to get prices from as many auto insurance providers as possible. This guarantees an apples-to-apples comparison and a complete price analysis.

Even more information can be read at these sites: