It takes a little time, but the best way to get discount Ford Explorer insurance in Scottsdale is to annually compare prices from providers who sell insurance in Arizona.
First, take a few minutes and learn about coverages and the modifications you can make to prevent expensive coverage. Many things that result in higher rates such as at-fault accidents, speeding tickets, and a low credit score can be rectified by making small lifestyle or driving habit changes. Keep reading for information to keep prices down and find more discounts that you may not know about.
Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple insurance companies. Find a Scottsdale insurance agent
Third, compare the quotes to your current policy premium and determine if cheaper Explorer coverage is available in Scottsdale. If you can save money and change companies, ensure coverage does not lapse between policies.
Fourth, provide proper notification to your current company to cancel your existing policy. Submit any necessary down payment along with the completed application to your new agent or company. Once received, keep the new certificate verifying proof of insurance with your vehicle’s registration.
An important note is to try to compare identical coverage information on each quote request and and to get price estimates from as many companies as possible. This enables a fair rate comparison and many rates to choose from.
Shockingly, almost 70% of insureds have stayed with the same insurance company for a minimum of four years, and nearly the majority have never shopped around. Scottsdale insurance shoppers can cut their rates by about 50% a year by just comparing quotes, but most tend to underestimate the actual amount they would save if they changed companies.
Choosing the best insurance company for you in Scottsdale can be much easier if you know how to start. Basically, every driver who is required to buy auto insurance will be able to save money. Although Arizona drivers do need to know the way companies determine what you pay and apply this information to your search.
Do you qualify for discounts on Ford Explorer insurance in Scottsdale?
Car insurance can cost a lot, but you might be missing out on some discounts to help bring down the price. Certain discounts will be applied when you get a quote, but some need to be specifically requested before you will receive the discount.
- Professional Organizations – Participating in certain professional organizations could trigger savings on your next renewal.
- Scottsdale Homeowners Discount – Just being a homeowner can help you save on auto insurance since owning and maintaining a home shows financial diligence.
- Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.
- Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks off the personal injury premium cost.
- Telematics Data – Insureds who allow their auto insurance company to look at their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive may see discounts if they have good driving habits.
- Include Life Insurance and Save – If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.
- College Student Discount – Youth drivers who live away from home to go to college and do not take a car to college could get you a discount.
- Renewal Discounts – Some companies reward drivers for signing up early. You can save around 10% with this discount.
One last thing about discounts, most of the big mark downs will not be given to the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.
The example below illustrates the difference between Ford Explorer insurance costs with and without some available policy discounts. The data is based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, multi-policy, claim-free, and marriage discounts applied.
If you would like to see a list of insurers with the best Ford Explorer insurance discounts in Scottsdale in Scottsdale, click here to view.
Most major insurance companies such as 21st Century, Allstate and State Farm allow you to get coverage prices online. Getting Ford Explorer insurance prices online doesn’t take a lot of time as all you need to do is type in the amount of coverage you want as detailed in the form. Behind the scenes, their system collects your credit score and driving record and returns a price based on the data you entered. This makes it a lot easier to compare rates and it is important to have as many quotes as possible if you want to get a better rate.
In order to fill out one form to compare multiple rates now, compare quotes from the companies shown below. To compare your current rates, we recommend that you enter deductibles and limits exactly as shown on your declarations page. This way, you will receive comparison quotes for similar insurance coverage.
The following companies are ready to provide quotes in Scottsdale, AZ. If your goal is to find cheap car insurance in AZ, we recommend you visit two to three different companies to find the most affordable auto insurance rates.
Data for Ford Explorer insurance
The price information displayed below outlines a range of insurance policy prices for Ford Explorer models. Being aware of how car insurance prices are formulated can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| Explorer Eddie Bauer 2WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| Explorer XLT 4WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| Explorer XLT AWD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| Explorer Eddie Bauer 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Explorer Eddie Bauer AWD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Explorer Limited 2WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Explorer Limited 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Explorer Limited AWD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Table data does not factor in specific location information which can influence price quotes greatly.
How high should deductibles be?
When comparing car insurance rates, the most common question is which deductibles should you choose. The premium rates below can help you visualize how much more rates are when you select higher and lower policy deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer Eddie Bauer 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer XLT 4WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer XLT AWD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Explorer Eddie Bauer 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Eddie Bauer AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Limited 2WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Limited 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Explorer Limited AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Explorer Eddie Bauer 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Explorer XLT 4WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Explorer XLT AWD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Explorer Eddie Bauer 4WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Explorer Eddie Bauer AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Explorer Limited 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Explorer Limited 4WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Explorer Limited AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in zip code location which can lower or raise auto insurance rates greatly.
We can estimate from the data above that using a $100 deductible costs approximately $29 more each month or $348 each year averaged for all Explorer models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 31 months between claim filings, you would probably come out ahead if you elect the higher deductible. Here’s an example of how this decision is made.
| Average monthly premium for $100 deductibles: | $95 |
| Average monthly premium for $1,000 deductibles (subtract): | – $66 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
The information below demonstrates how choosing different deductibles and can impact Ford Explorer insurance costs for each different age category. The prices are based on a married female driver, full coverage, and no additional discounts are factored in.
Drive responsibly or pay higher rates
The diagram below shows how traffic citations and accidents can impact Ford Explorer yearly insurance costs for different ages of insureds. The data is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
Insurance agents can help
When choosing coverage online or from an agent, there really is no one-size-fits-all type of policy. Your situation is unique so your insurance needs to address that.
These are some specific questions might point out if your situation would benefit from an agent’s advice.
- What vehicles should carry emergency assistance coverage?
- Where can I find high-risk insurance?
- How much liability insurance is required?
- What is the difference between comprehensive and collision coverage?
- When should my teen driver be added to my policy?
- Do I really need UM/UIM coverage?
- Do I have coverage when pulling a U-Haul trailer?
- Should I bundle my homeowners policy with my auto?
- Why do I have to buy liability insurance?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.
Neighborhood Scottsdale auto insurance agents
Many people would rather sit down and talk to an agent and that can be a great decision One of the best bonuses of comparing insurance prices online is that drivers can save money and get lower rates and still have an agent to talk to.
Upon completion of this quick form, the quote information is instantly submitted to local insurance agents that provide free Scottsdale auto insurance quotes for your coverage. It’s much easier because you don’t need to find an agent on your own because quoted prices will be sent to you. You can get cheaper auto insurance rates without a big time investment. If you have a need to quote rates from a specific auto insurance provider, you can always go to their quote page and submit a quote form there.
Finding the right insurance company shouldn’t rely on just the bottom line cost. The questions below may impact your decision as well.
- How long have they been in business?
- Where would your vehicle be repaired?
- What kind of financial rating does the company have?
- Can you choose the body shop in case repairs are needed?
- What will you get paid if your car is a total loss? How is that amount determined?
Scottsdale auto insurance agents are either independent or exclusive
When researching a local Scottsdale insurance agency, it’s important to understand the different agency structures and how they differ in how they quote coverages. Auto insurance agencies may be either independent or exclusive.
Exclusive Insurance Agents
Exclusive agents can only provide one company’s prices and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents are well schooled on their products and sales techniques which helps overcome the inability to quote other rates.
Listed below is a short list of exclusive insurance agencies in Scottsdale who can help you get price quote information.
Steve Fair – State Farm Insurance Agent
33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710 – View Map
State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223 – View Map
Brandon Mueller – State Farm Insurance Agent
6149 N Scottsdale Rd #106 – Scottsdale, AZ 85250 – (480) 991-0119 – View Map
Independent Auto Insurance Agencies
Agents that elect to be independent are not limited to a single company and that enables them to quote your coverage through many companies and help determine which has the cheapest rates. If prices rise, they simply move your policy to a different company which requires no work on your part.
When comparison shopping, you absolutely need to compare prices from multiple independent agents in order to compare the most rates.
Shown below are independent insurance agents in Scottsdale that are able to give price quote information.
Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
Pinnacle Ins Agency Inc.
8700 E Vista Bonita Dr – Scottsdale, AZ 85255 – (480) 513-3131 – View Map
Summit Insurance Advisors
5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map
Once you have acceptable answers to any questions you may have and an affordable coverage quote, it’s possible that you found an insurance agency that can be relied on to provide auto insurance coverage. Just keep in mind it’s your policy and you can cancel your policy at any point so don’t assume you’re contractually obligated to any particular company with no way out.
Best car insurance company in Scottsdale
Selecting a high-quality car insurance provider can be rather challenging considering how many different companies there are to choose from in Arizona. The company information listed below can help you choose which providers to look at to insure your vehicles.
Top 10 Scottsdale Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Scottsdale Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Smart consumers save more
Throughout this article, we presented a lot of ways to get a better price on Ford Explorer insurance in Scottsdale. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the lowest priced car insurance comes from a smaller regional carrier. They may often insure only within specific states and give better rates compared to the large companies like Progressive or GEICO.
Cheap Ford Explorer insurance in Scottsdale is available both online and with local Scottsdale insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not provide rates over the internet and usually these smaller companies only sell through local independent agencies.
More learning opportunities
- What is a Telematics Device? (Allstate)
- Who Has Cheap Scottsdale Car Insurance Quotes for Unemployed Drivers? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Safety Belts FAQ (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)
- Understanding Car Crashes Video (iihs.org)