Auto Insurance Rate Quotes for a Ford Ranger in Chandler

It’s a known fact that car insurance companies don’t want you to compare rates. Drivers who shop for lower rates are likely to switch insurance companies because there is a great chance of finding lower prices. A study showed that people who compared rates regularly saved an average of $860 a year as compared to drivers who never compared other company’s rates.

If finding budget-friendly Ford Ranger insurance is your goal, then having an understanding of how to get free comparison quotes and analyze insurance can save time and make the process easier.

To save the most money, the best way to find the cheapest price for Ford Ranger insurance in Chandler is to compare prices once a year from insurers who provide car insurance in Arizona. Rate comparisons can be done by following these guidelines.

1. Spend some time learning about what coverages are included in your policy and the measures you can take to prevent high rates. Many risk factors that cause high rates like speeding and a substandard credit history can be improved by improving your driving habits or financial responsibility. Keep reading for additional ideas to prevent high rates and get bigger discounts.
2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers.
3. Compare the new rate quotes to the price on your current policy and determine if there is any savings. If you find a lower rate, ensure there is no coverage lapse between policies.
4. Provide adequate notice to your current company to cancel your existing policy and submit a signed application and payment to the newly selected company. Once coverage is bound, safely store the certificate verifying proof of insurance with your vehicle’s registration.

The key thing to know about shopping around is to use the same level of coverage on each quote request and and to get prices from every insurance company. This enables a fair rate comparison and maximum price selection.

Comparing quotes for the lowest cost insurance coverage in Chandler is not as confusing as people think. If you have coverage now or just want cheaper rates, you will benefit by learning to shop for the lowest rates while maintaining coverages. Comparison shoppers just need to use the most time-saving way to compare prices from many different companies.

Finding a better price on car insurance is not a difficult process. The only requirement is to take a couple of minutes to compare rate quotes online with multiple companies.

Getting price quotes online is very simple and it makes it a waste of time to drive around to insurance agents’ offices. The fact that you can get quotes online reduces the need to sit down with an agent unless you have a need for the trained advice of a local agency. It is possible to compare the best prices online but still have the advice of a local agent.

The following companies are our best choices to provide free rate quotes in Chandler, AZ. To locate cheap car insurance in Chandler, we recommend you visit two to three different companies to get the cheapest price.

Three reasons to insure your vehicle

Even though it can be expensive, paying for insurance is required for several reasons.

• Just about all states have minimum liability requirements which means the state requires a minimum amount of liability in order to get the vehicle licensed. 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 Ford, most lenders will make it a condition of the loan that you have full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Ford at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
• Insurance protects both your Ford Ranger and your personal assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of insuring your car greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver is overpaying more than $865 each year so it’s important to compare rates each time the policy renews to be sure current rates are still competitive.

Coverage analysis

The table displayed below highlights a range of insurance costs for Ford Ranger models. Knowing how rate quotes are determined is important for making smart choices when buying a car insurance policy.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in garaging location in Chandler which can affect insurance rates greatly.

Rate comparison for different deductibles

One of the most common insurance questions is where to set your physical damage deductibles. The comparison tables below illustrate the price difference between low and high comp and collision deductibles. The first price estimate table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can revise price quotes considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $19 more each month or $228 annually across all Ford Ranger models than requesting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 39 months between claims, you would most likely save money if you decide on a higher deductible.

The illustration below illustrates how your choice of deductibles and can affect Ford Ranger insurance rates for different age groups. The rates are based on a single female driver, full coverage, and no policy discounts are applied.

Rate comparison of men versus women in Chandler

The illustration below illustrates the comparison of Ford Ranger insurance rates for male and female drivers. Data assumes no accidents or driving violations, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Save money by taking advantage of discounts

Companies don’t always list every available discount in an easy-to-find place, so the following list contains a few of the more well known and the more hidden discounts that you may qualify for. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.

• ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
• Multiple Vehicles – Drivers who insure multiple cars with the same company can get a discount for every vehicle.
• Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
• One Accident Forgiven – This one isn’t a discount, but certain companies will allow you to have one accident without raising rates if you have no claims for a specific time period.
• Bundled Policy Discount – If you can combine your auto and homeowners policy and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
• Auto/Life Discount – Insurance companies who offer life insurance give a discount if you purchase some life insurance too.
• Defensive Driver Discount – Passing a course teaching safe driver skills could save 5% or more depending on where you live.
• Own a Home and Save – Owning a house in Chandler can save a few bucks since home ownership means you have a higher level of financial diligence.
• Passive Restraint Discount – Vehicles equipped with air bags may get savings as much as 30%.
• Good Student – A discount for being a good student could provide a savings of up to 20% or more. This discount can apply well after school through age 25.

Policy discounts save money, but some of the credits will not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

The diagram below visualizes the comparison of Ford Ranger car insurance costs with and without discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, safe-driver, and marriage discounts applied.

A few companies that may have these money-saving discounts are:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before you buy a policy, ask every insurance company the best way to save money. Some discounts may not be available in your state. To view companies who offer cheap Ford Ranger insurance quotes in Arizona, click this link.

Independent versus exclusive insurance agents

Many drivers prefer to visit with an insurance agent and that can be a smart move Experienced insurance agents can make sure you are properly covered and help in the event of a claim. One of the best bonuses of comparing insurance prices online is that you can find cheap auto insurance rates and still choose a local agent. Buying from neighborhood agents is definitely important in Chandler.

Upon completion of this short form, the coverage information is instantly submitted to agents in your area that provide free Chandler auto insurance quotes for your coverage. You won’t need to visit any agencies because prices are sent directly to you. If you want to get a price quote from a specific auto insurance provider, you just need to search and find their rate quote page and submit a quote form there.

If you want a local agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Auto insurance policy providers are classified as either independent or exclusive. Both types can do a good job, but we need to point out the subtle differences because it can factor into which type of agent you select.

Independent Insurance Agents

Agents that choose to be independent are not required to write business for one company and that gives them the ability to insure through many different auto insurance companies and potentially find a lower price. If your agent finds better pricing, they simply switch companies in-house and that require little work on your part.

When comparing rate quotes, you should always include price quotes from at least one independent agent in order to have the best price comparison.

Listed below is a short list of independent insurance agencies in Chandler that can give you free price quotes.

More insurance agents

Exclusive Agencies

Agents of this type work for only one company such as AAA, Allstate, and State Farm. These agents are not able to compare other company’s rates so they really need to provide good service. Exclusive agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums.

Below are exclusive insurance agents in Chandler that are able to give price quote information.

More insurance agents

Finding the right insurance agent is decision based upon more than just the bottom line cost. Ask your prospective agent these questions:

• How are claims handled?
• Does the company allow you to choose your own collision repair facility?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Are they paid to recommend certain coverages?
• Is the agency covered by Errors and Omissions coverage?
• Do they offer rental car reimbursement?

You can lower your auto insurance rates

When getting Chandler auto insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. In many cases, an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Budget-conscious Ford Ranger insurance can be found on the web in addition to many Chandler insurance agents, so you need to shop Chandler auto insurance with both to have the best selection. Some insurance companies do not offer the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

We just presented many ideas to find cheaper Ford Ranger insurance in Chandler. The key thing to remember is the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may even discover the best price on auto insurance is with some of the lesser-known companies. Smaller companies may often insure only within specific states and give better rates as compared to the big name companies such as Progressive and GEICO.

More information

• Choosing a Car for Your Teen (State Farm)
• Who Has Affordable Chandler Auto Insurance Rates for First-time Drivers? (FAQ)
• Who Has Cheap Car Insurance Quotes for a 20 Year Old Female in Chandler? (FAQ)
• How Much is Auto Insurance for Active Military in Chandler? (FAQ)
• Auto Theft Statistics (Insurance Information Institute)
• Teen Driver Licensing Information (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)