Would you prefer to buy more competitive Ford Expedition insurance in Phoenix? I can’t think of a single person who looks forward to paying for car insurance, particularly when they could find better prices if they shop around.
A recent car insurance study revealed that most car insurance policyholders kept their coverage with the same car insurance company for a minimum of four years, and nearly 40% of drivers have never compared rates with other companies. Arizona drivers can save hundreds of dollars each year, but most just don’t grasp the benefits if they moved their coverage to a different company.
You have multiple insurance companies to insure vehicles with, and even though it’s nice to have a selection, it can be more challenging to find the lowest rates for Ford Expedition insurance in Phoenix.
Smart consumers take time to take a look at other company’s rates quite often since insurance prices change quite often. Just because you found the lowest quotes on Ford Expedition insurance in Phoenix last year you will most likely find a better rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper Ford Expedition insurance in Phoenix.
Comparing rates for more affordable car insurance in Phoenix is quite easy. Just about every vehicle owner who has to purchase car insurance most likely will get better rates. But Arizona consumers can benefit from knowing the way companies market insurance on the web because rates are impacted by many factors.
The easiest way to get policy rate comparisons for Ford Expedition insurance in Phoenix is to take advantage of the fact most of the bigger providers have advanced systems to give you rate quotes. To get started, all you need to do is provide information including how much education you have, how you use your vehicles, if you are currently licensed, and types of safety features. Those rating factors gets transmitted to multiple companies and you receive quotes instantly.
To check rates for your Ford Expedition now, click here and complete the quick form.
The auto insurance companies shown below are our best choices to provide free quotes in Phoenix, AZ. If multiple companies are shown, we recommend you visit two to three different companies to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Expedition SSV 2WD | $182 | $254 | $260 | $16 | $78 | $790 | $66 |
| Expedition XLT 2WD | $148 | $226 | $262 | $16 | $78 | $730 | $61 |
| Expedition SSV 4WD | $298 | $390 | $334 | $20 | $100 | $1,142 | $95 |
| Expedition XLT 4WD | $238 | $360 | $262 | $16 | $78 | $954 | $80 |
| Expedition Eddie Bauer 2WD | $264 | $506 | $262 | $16 | $78 | $1,126 | $94 |
| Expedition Limited 2WD | $254 | $450 | $260 | $16 | $78 | $1,058 | $88 |
| Expedition Eddie Bauer 4WD | $204 | $420 | $332 | $20 | $100 | $1,076 | $90 |
| Expedition King Ranch 4WD | $278 | $566 | $288 | $18 | $86 | $1,236 | $103 |
| Expedition King Ranch 2WD | $176 | $332 | $308 | $18 | $92 | $926 | $77 |
| Expedition Limited 4WD | $228 | $420 | $332 | $20 | $100 | $1,100 | $92 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can influence rates noticeably.
Reckless driving habits raise auto insurance rates
The diagram below shows how speeding tickets and at-fault fender-benders impact Ford Expedition car insurance costs for different ages of insureds. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Auto insurance cost for men versus women
The illustration below illustrates the comparison of Ford Expedition car insurance rates for male and female drivers. The rates are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Higher deductibles save money
The illustration below demonstrates how deductible levels and can raise or lower Ford Expedition premium costs for each different age category. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied.
Why you need insurance
Despite the high cost, insurance may be mandatory for several reasons.
- The majority of states have minimum liability requirements which means state laws require a minimum amount of liability in order to drive the car. 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 vehicle, it’s most likely the lender will require that you have physical damage coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Ford at a much higher premium rate and force you to pay the higher price.
- Insurance preserves not only your Ford Expedition but also your assets. Insurance will also pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will cover the repair costs.
The benefits of buying insurance greatly outweigh the cost, especially with large liability claims. Today the average American driver overpays more than $830 a year so shop around every year to be sure current rates are still competitive.
These five discounts can lower your auto insurance quotes
Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Some of these discounts will be visible at the time of quoting, but occasionally some discounts must be asked for in order for you to get them.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if offered at their school.
- Discounts for Federal Employees – Simply working for the federal government could provide a small rate reduction with some auto insurance companies.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts could see savings up to 30%.
- Telematics Data – Drivers who elect to allow data collection to monitor driving patterns by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
- College Student Discount – Youth drivers who attend college more than 100 miles from Phoenix and do not have access to a covered vehicle may be insured at a cheaper rate.
Remember that most discounts do not apply to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
Popular auto insurance companies and some of the discounts include:
- American Family includes discounts for early bird, mySafetyValet, air bags, accident-free, and good driver.
- Nationwide may offer discounts for multi-policy, family plan, good student, business or organization, defensive driving, and Farm Bureau membership.
- MetLife offers discounts for good driver, good student, multi-policy, claim-free, and defensive driver.
- 21st Century offers premium reductions for air bags, early bird, 55 and older, defensive driver, homeowners, theft prevention, and student driver.
- Farmers Insurance may have discounts that include multi-car, mature driver, switch companies, youthful driver, and homeowner.
- Allstate has savings for passive restraint, resident student, senior citizen, 55 and retired, and early signing.
When quoting, ask each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies everywhere. If you would like to view insurance companies who offer discounts in Phoenix, click here.
When to talk to a local insurance agent
Many drivers prefer to talk to a local agent and that is not a bad decision The biggest benefit of comparing rate quotes online is you may find cheap insurance quotes and still have an agent to talk to. Buying from small agencies is important particularly in Phoenix.
To help locate an agent, after submitting this short form, the quote information is instantly submitted to companies in Phoenix that can give you free Phoenix car insurance quotes to get your business. You never need to search for an agent because quoted prices will be sent immediately to you. Get lower rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from a specific insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
Selecting an provider needs to be determined by more than just a cheap quote. Here are some questions you should ask.
- How experienced are they in personal risk management?
- How many companies do they write for?
- Do they have designations such as AIC, CPCU, or CIC?
- How are they compensated?
- If you have an accident, will your rates go up?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Do I just need basic coverages?
Keep in mind that when it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different.
These are some specific questions can aid in determining whether or not you might need professional guidance.
- Is my vehicle covered by my employer’s policy when using it for work?
- When do I need to add a new car to my policy?
- Do I have ACV or replacement cost coverage?
- Is water damage covered by my policy?
- When can I cancel my policy?
- Am I insured when driving a different vehicle?
- Should I waive the damage coverage when renting a car?
- Is my ex-spouse still covered by my policy?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Insurance policy coverages for a Ford Expedition
Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.
Collision coverage protection
This coverage pays for damage to your Expedition resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like sideswiping another vehicle, backing into a parked car, damaging your car on a curb, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible on your Expedition in order to get cheaper collision rates.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as prosthetic devices, nursing services, X-ray expenses, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Expedition.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.
Auto liability
This protects you from damages or injuries you inflict on people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/10 which means a $15,000 limit per person for injuries, $30,000 for the entire accident, and $10,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers things like pain and suffering, structural damage and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Arizona requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more liability than the minimum.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Find cheap auto insurance rates by comparing often
When getting Phoenix car insurance quotes online, never buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.
Drivers who switch companies do it for any number of reasons including lack of trust in their agent, delays in paying claims, policy non-renewal or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.
Some auto insurance companies don’t offer price quotes online and many times these smaller companies work with local independent agents. Cost effective Ford Expedition insurance can be sourced on the web as well as from insurance agents, so you should compare both to have the best selection.
Much more information about auto insurance in Arizona can be read below:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Drivers with a Bad Driving Record in Phoenix? (FAQ)
- How Much are Phoenix Car Insurance Quotes for a GMC Sierra? (FAQ)
- What Car Insurance is Cheapest in Phoenix, Arizona? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance Rates for 4×4 Vehicles? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- What is Gap Insurance? (Insurance Information Institute)
- Teen Driver Statistics (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)