How many times have you told yourself it’s time to shop around for more affordable insurance rates in Phoenix, AZ? Phoenix shoppers have options when shopping for low-cost Ford Freestyle insurance. They can either spend hours driving around trying to get quotes or leverage the internet to compare rates.
There are both good and bad ways to shop for insurance and we’ll show you the absolute fastest way to quote coverages on a Ford and get the lowest price either online or from Phoenix insurance agents.
Unbelievable but true according to a study most consumers in Arizona have bought insurance from the same company for over three years, and nearly the majority have never quoted rates to find cheaper coverage. Most drivers in the United States can cut their rates by nearly 46.5% a year by just comparing rate quotes, but most just don’t grasp the amount of savings they would get if they bought a different policy.
These tips will familiarize you with the best way to quote coverages. If you are already insured, you will be able to buy cheaper insurance using the concepts you’re about to learn. Drivers just need to understand the most time-saving way to buy insurance from many different companies.
All the larger car insurance companies allow consumers to get price estimates on the web. Doing online price comparisons for Ford Freestyle insurance in Phoenix is quite easy as all you need to do is type in your personal and coverage information into a form. Once entered, the system makes automated requests for credit information and your driving record and returns a price based on these factors.
Quoting online for Ford Freestyle insurance in Phoenix simplifies rate comparisons, and it’s very important to compare as many rates as possible in order to get the lowest payment possible.
To compare pricing, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you copy the coverage information as shown on your current policy. Doing this guarantees you are getting rate comparison quotes for the exact same coverage.
The companies in the list below can provide price comparisons in Phoenix, AZ. If the list has multiple companies, we suggest you compare several of them in order to find the most competitive rates.
Lower rate quotes with these six discounts
Auto insurance companies don’t necessarily list every discount they offer in an easy-to-find place, so the below list has some of the more common as well as the least known savings tricks you should be using when you buy Phoenix car insurance online.
- Data Collection Discounts – Insureds who allow their auto insurance company to study driving patterns by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
- Save with More Vehicles Insured – Drivers who insure more than one vehicle on a single policy can get a discount on all vehicles.
- Senior Citizens – Older drivers can get a slight reduction on a Phoenix car insurance quote.
- Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
- Use Seat Belts – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on medical payment and PIP coverage.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
A little disclaimer on discounts, many deductions do not apply to the entire cost. Most cut specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, it’s just not the way it works. But any discount will lower your overall premium however.
Some of the larger companies that may offer quotes with these discounts include:
If you are trying to find cheaper Phoenix car insurance quotes, ask every insurance company what discounts are available to you. A few discounts may not apply to policyholders in your state.
When to talk to an insurance agent
Some consumers would rather get advice from a local agent and doing that can be a smart decision Insurance agents are very good at helping people manage risk and help file insurance claims. One of the great benefits of getting free rate quotes online is the fact that you can find cheap insurance rates but still work with a licensed agent. And providing support for local insurance agencies is definitely important in Phoenix.
For easy comparison, once you complete this simple form, the quote information is instantly submitted to local insurance agents that provide free Phoenix car insurance quotes for your business. There is no need to contact any agents because quoted prices will be sent directly to your email. If you wish to compare prices from a specific company, you just need to find their quoting web page and submit a quote form there.
If you are wanting to purchase insurance from an insurance agent, you should know the types of agencies and how they operate. Phoenix agents can either be independent agents or exclusive agents. Both can do a good job, but it’s important to know the difference between them because it can factor into the kind of agent you use.
Independent Insurance Agencies or Brokers
Agents that elect to be independent often have many company appointments and that is an advantage because they can write policies through many companies and get the cheapest rates. To transfer your coverage to a different company, your agent can switch companies and you don’t have to do anything.
When shopping rates, we highly recommend that you check rates from several independent agencies to get the most accurate price comparison. Most have the option of insuring with small mutual carriers that many times have cheaper rates.
Shown below is a partial list of independent insurance agencies in Phoenix that may be able to give you price quote information.
- UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
Agents that elect to be exclusive are contracted to one company and some examples include Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. They are well trained on sales techniques which helps offset the inability to provide other markets. Some consumers prefer to use the same exclusive agent mostly because of the prominent brand name rather than having the cheapest rates.
Below are Phoenix exclusive insurance agencies who can help you get comparison quotes.
- Lynn Buss – State Farm Insurance Agent
4022 E Broadway Rd #106 – Phoenix, AZ 85040 – (602) 454-8570 – View Map
- Mary Parada – State Farm Insurance Agent
3414 W Bell Rd – Phoenix, AZ 85053 – (602) 942-9202 – View Map
- Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655 – View Map
Picking a insurance agent shouldn’t rely on just the price. These questions are important to ask:
- Does the agent recommend any additional coverage?
- If you raise deductibles, how much can you save?
- Do they regularly work with personal auto policies in Phoenix?
- If independent agents, which companies do they recommend?
- Where would glass claims be handled in Phoenix?
Why you need Ford Freestyle insurance in Arizona
Even though it can be expensive, buying auto insurance may be mandatory for several reasons.
- Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability if you drive a vehicle. 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 your vehicle has a lien holder, most banks will require you to have physical damage coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Ford at an extremely high rate and force you to pay the higher premium.
- Insurance protects not only your vehicle but also your financial assets. It will also cover many types of medical costs that are the result of an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, particularly for liability claims. But the average American driver is wasting up to $855 a year so it’s very important to do a rate comparison each time the policy renews to ensure rates are competitive.
Having a good grasp of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like damage from a tornado or hurricane, damage from getting keyed, hail damage, falling objects and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/10 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims such as court costs, loss of income, legal defense fees, medical expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing better liability coverage.
This coverage covers damage to your Freestyle resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like driving through your garage door, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your Freestyle to bring the cost down.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, surgery, EMT expenses, chiropractic care and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Ford Freestyle.
Due to the fact that many Arizona drivers have only the minimum liability required by law (15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.
More comparisons equals cheap rates
Budget-friendly auto insurance in Phoenix can be bought both online and from local agencies, and you should compare rates from both to have the best rate selection. Some companies do not provide rate quotes online and many times these small insurance companies work with independent insurance agencies.
Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, policy non-renewal, lack of trust in their agent and even being labeled a high risk driver. Regardless of your reason, finding a new company can be easier than you think.
Throughout this article, we presented some good ideas how you can find cheap Ford Freestyle insurance in Phoenix. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company.
More tips and info about auto insurance can be read at these sites:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- How Much is Car Insurance for Electric Cars in Phoenix? (FAQ)
- Who Has Cheap Phoenix Car Insurance Rates for a Honda Accord? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Phoenix? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)