Cheap Rate Quotes for Ford Expedition Insurance in Phoenix

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.

Insurance rates Ford Expedition in PhoenixA 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.

Ford Expedition Insurance Rate Estimates in Phoenix, AZ
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 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.Cheaper auto insurance with discounts

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:

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.

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.Safe vehicles cost less to insure

These are some specific questions can aid in determining whether or not you might need professional guidance.

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: