Best Chandler Ford Flex Insurance

The best way to find better pricing on car insurance rates is to compare quotes annually from providers in Chandler.

1. Spend a few minutes and learn about what is in your policy and the factors you can control to keep rates low. Many rating factors that cause high rates like at-fault accidents and a poor credit score can be remedied by making lifestyle changes or driving safer. Read the full article for tips to get cheaper rates and find additional discounts you may qualify for.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while independent agents can quote rates from multiple sources.
3. Compare the new quotes to the price on your current policy and see if there is a cheaper rate. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
4. Notify your current company of your intention to cancel your current car insurance policy. Submit payment and a completed application for the new coverage. Once received, put the new proof of insurance paperwork along with your vehicle registration.

The key thing to remember is to make sure you enter identical deductibles and limits on every quote and and to get quotes from as many companies as you can. This ensures an accurate price comparison and plenty of rates choose from.

A recent study showed that most car insurance customers kept buying from the same company for at least four years, and nearly 40% of drivers have never quoted car insurance rates at all. Arizona insurance shoppers could save themselves as much as $733 a year by just comparing quotes, but they underestimate how much money they would save if they switched to a more affordable policy.

Learn How to Lower Your Insurance Premiums

Many different elements are used in the calculation when you get a price on insurance. Some are obvious such as your driving history, but some are less apparent like where you live or how financially stable you are. An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. When consumers understand what determines base rates, this allows you to make educated decisions that could help you find big savings.

The factors shown below are a partial list of the pieces used by companies to determine your prices.

Keep the miles off and save – The higher the miles on your Ford annually the higher your rates will be. The majority of insurers calculate prices based on how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates than those used for commuting. An improperly rated Flex is just wasting money. Verify your policy is rated on the correct usage for each vehicle.

Vocation reflects on premiums – Occupations like fire fighters, executives, and emergency personnel tend to pay higher premium rates in part from intense work situations and lengthy work days. Other jobs such as professors, historians and performers have lower than average premiums.

Do you really need to file those claims? – If you are the type of insured that files lots of claims you should expect either higher rates or even cancellation. Companies in Arizona provide better rates to insureds who do not rely on their insurance for small claims. Insurance coverage is designed for larger claims.

Do you really need the add-on coverages? – There are a ton of optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like replacement cost coverage, accidental death, and extra equipment coverage are some examples. They may seem good when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.

Insurance losses for a Ford Flex – Companies use historical loss data to calculate a price that offsets possible losses. Models that the data shows to have a trend towards higher claims will cost more for specific coverages.

The table below demonstrates the actual insurance loss data for Ford Flex vehicles. For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers below 100 suggest losses that are better than average, while values over 100 point to more losses or statistically larger claims.

Finding cheap Chandler insurance rates can be surprisingly simple. The only thing you need to do is spend a little time to compare rates online from several insurance companies.

It’s so simple to compare insurance rate quotes online takes the place of having to drive to insurance agencies in your area. The ability to quote Ford Flex insurance online makes this process obsolete unless you have a need for the extra assistance of a local Chandler agent. However, consumers can price shop your coverage online and still use a local agent.

The auto insurance companies shown below are our best choices to provide quotes in Chandler, AZ. To find the cheapest auto insurance in Arizona, we suggest you visit as many as you can to get the most competitive price.

Rate information and statistics

The coverage table shown next covers detailed analysis of coverage prices for Ford Flex models. Understanding how insurance premiums are established can be of help when making smart choices when comparing insurance quotes.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in vehicle garaging location which can revise insurance rates greatly.

Policy deductible comparison

A question often asked by Chandler drivers is how high should the physical damage coverage deductibles be. The comparisons below may help to conceptualize how much more you’ll pay when you select higher and lower deductibles. The first data set uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in garaging location in Chandler which can revise premiums noticeably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $23 more each month or $276 for a full year across all Ford Flex models than choosing the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 17 months between claim filings, you would probably save some money if you elect the higher deductible.

The chart below demonstrates how deductibles and can raise or lower Ford Flex insurance costs for different categories of driver ages. The price estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Comparison of full coverage and liability-only policies

The illustration below compares Ford Flex auto insurance rates with full coverage and liability only. The price estimates are based on no claims or driving violations, $100 deductibles, marital status is single, and no policy discounts are applied.

When to drop comp and collision

There is no written rule that is best for determining when to drop physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Ford Flex replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying over $600 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Protect your Ford Flex and other assets

Despite the potentially high cost of Ford Flex insurance, paying for insurance is required in Arizona but it also protects you in many ways.

• Just about all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability in order to license the 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 you took out a loan on your Ford Flex, more than likely the lender will stipulate that you carry insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Ford at a much higher rate and require you to reimburse them the higher premium.
• Insurance protects both your Ford Flex and your assets. It also can pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance definitely exceed the price paid, especially for larger claims. Today the average American driver overpays as much as $865 each year so you should quote your policy with other companies every year to help ensure money is not being wasted.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you may find discounts to help offset the cost. Some of these discounts will be visible at the time of quoting, but a few must be inquired about before you get the savings.

• Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
• Student Discount for Driver Training – Have your child complete a driver education course as it can save substantially.
• Save with a New Car – Insuring a new Flex can get you a discount since newer models have better safety ratings.
• Low Mileage – Driving less may enable drivers to earn lower premium rates due to less chance of an accident.
• E-sign – Many insurance companies will give you a small discount get Chandler car insurance on their website.
• Defensive Driver Discounts – Passing a defensive driver course could earn you a small percentage discount and make you a better driver.
• Driving Data Discount – Drivers that enable their company to analyze driving manner through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.
• Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
• Early Switch Discount – A few companies allow discounts for switching to them prior to your current Flex insurance policy expiring. It can save you around 10%.

As is typical with insurance, most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way.

The diagram below shows the comparison of Ford Flex insurance costs with and without policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage 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, marriage, safe-driver, and multi-policy discounts applied.

Some of the insurance companies who might offer these money-saving discounts may include but are not limited to:

• State Farm
• American Family
• GEICO
• 21st Century
• Progressive

Before purchasing a policy, check with every prospective company the best way to save money. A few discounts may not be offered in your state. If you would like to see a list of car insurance companies that offer the discounts shown above in Arizona, click here.

Independent versus exclusive insurance agencies

Some people still prefer to sit down with an agent and doing so can bring peace of mind Agents are trained risk managers and help in the event of a claim. The best thing about getting online price quotes is the fact that drivers can get better rates and also buy local.

After filling out this short form, your information is immediately sent to participating agents in Chandler that can give you free Chandler car insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered instantly to you. If you have a need to compare rates for a specific company, you would need to navigate to their website and fill out the quote form the provide.

Finding a good provider requires you to look at more than just a cheap price. Some important questions to ask are:

• Will they take your side in the event of a claim?
• Are they actively involved in the community?
• If you have an accident, will your rates go up?
• How long have they been in business?
• Are they in the agency full-time?

If you are wanting to purchase auto insurance from a good insurance agency, you need to know there are two types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Chandler are either independent agents or exclusive agents depending on their employer. Either one can sell affordable auto insurance policies, but it is important to understand the difference in how they write coverage because it may have an impact on which type of agent you select.

Exclusive Agencies

Agents that elect to be exclusive work for only one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to place coverage with different providers so keep that in mind. Exclusive agents are well schooled on what they offer and that enables them to sell even at higher rates.

Listed below are Chandler exclusive agents that can give you rate quotes.

View more agents

Independent Agents (or Brokers)

Independent insurance agents do not have single company limitations and that enables them to quote your coverage through many companies and help determine which has the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage and you stay with the same agent.

If you need lower rates, you will want to include price quotes from a few independent agents so that you can do a thorough price comparison.

The following are independent insurance agents in Chandler that can give you rate quotes.

View more agents

Ratings for Chandler auto insurance companies

Picking the top auto insurance company can be a challenge considering how many different insurance companies sell coverage in Chandler. The company information in the next section could help you choose which auto insurers to look at comparing rate quotes with.

Top 10 Chandler Car Insurance Companies Overall

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Smart consumers save more

When you buy Chandler car insurance online, do not reduce needed coverages to save money. There have been many cases where someone dropped collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

You just read a lot of ways to find cheap Ford Flex insurance in Chandler. It’s most important to understand that the more you quote Chandler car insurance, the higher the chance of saving money. Drivers may even discover the biggest savings come from the least-expected company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.

Discount Ford Flex insurance in Chandler is definitely available from both online companies and also from your neighborhood Chandler agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not provide the ability to get quotes online and these small insurance companies prefer to sell through independent insurance agencies.

Even more information can be read in the articles below:

• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• How Much are Car Insurance Rates for Drivers with a Bad Driving Record in Chandler? (FAQ)
• Who Has Affordable Car Insurance Rates for a Subaru Outback in Chandler? (FAQ)
• Who Has the Cheapest Auto Insurance for a Toyota Camry in Chandler? (FAQ)
• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Frontal Crash Tests (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Understanding Your Insurance Deductible (Insurance Information Institute)