Save Money on Ford Escape Insurance in Chandler

The most effective way to get the cheapest Ford Escape insurance in Chandler is to regularly compare prices from companies who provide car insurance in Arizona. Rate comparisons can be done by completing these steps.

First, try to learn about how your policy works and the steps you can take to prevent rate increases. Many factors that cause high rates like multiple speeding tickets and a bad credit rating can be remedied by making minor driving habit or lifestyle changes. Later in this article we will cover the details to help reduce prices and get additional discounts that may have been overlooked.

Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can provide prices from many different companies.

Third, compare the new quotes to the premium of your current policy and see if you can save money. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, notify your company or agent to cancel your existing policy and submit any necessary down payment along with the completed application to your new agent or company. Don’t forget to store the certificate of insurance in a readily accessible location in your vehicle.

The key aspect of shopping around is to make sure you enter the same level of coverage on every quote request and and to get quotes from as many car insurance companies as possible. This helps ensure the most accurate price comparison and a complete price analysis.

Anyone knows that auto insurance companies don’t want you to look for cheaper rates. Insureds who perform rate comparisons will presumably switch companies because they have good chances of finding coverage at a cheaper rate. A recent study showed that people who compared rates regularly saved on average $72 a month compared to policyholders who never shopped for cheaper rates.

If finding the best price on auto insurance in Chandler is your ultimate objective, then learning about how to quote prices and compare insurance rates can save time, money, and frustration.

Choosing the most cost-effective insurance policy in Chandler is actually very simple if you learn how to start. Virtually each driver who requires lower cost insurance will probably find better rates. Nevertheless, Arizona drivers need to have an understanding of the methods companies use to sell insurance online and use it to your advantage.

There are several ways to compare rate quotes from many available insurance companies in Arizona. The easiest way to lower the rate you pay for Ford Escape insurance consists of obtaining rate quotes online.

Comparing free quotes online is easy and it, makes it a waste of time to drive to insurance agencies in your area. Quoting and buying Ford Escape insurance online eliminates the need for an insurance agent unless you have a need for the peace of mind that can only be provided by a licensed insurance agent. You can, however, comparison shop online but have a local agent actually write the policy. When comparing insurance rates, know that having more price comparisons will enable you to find the best offered rates. Some companies don’t provide price estimates online, so you should also compare rates from them, too.

The companies in the list below are ready to provide price quotes in Chandler, AZ. To get cheap car insurance in Chandler, it’s a good idea that you get rate quotes from several of them in order to find the most competitive rates.

Why you need to buy auto insurance

Even though Chandler Escape insurance rates can get expensive, insuring your vehicle is most likely required but also gives you several important benefits.

• The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage 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, almost all lenders will require that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may insure your Ford at a more expensive rate and require you to fork over a much higher amount than you were paying before.
• Insurance protects your vehicle and your assets. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if someone files suit against you as the result of an accident. If your Ford gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying auto insurance more than cancel out the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays as much as $855 a year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Rates and detailed analysis

The coverage table displayed next showcases detailed analysis of insurance costs for Ford Escape models. Having knowledge of how policy premiums are formulated is important for making smart choices when selecting a coverage provider.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can modify insurance rates considerably.

Physical damage deductibles

One common question asked by Chandler drivers is where to set your physical damage deductibles. The following tables summarize the costs and benefits when you choose different insurance deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Table data does not factor in zip code location which can raise or lower price quotes significantly.

We can estimate from the data above that using a $100 deductible costs an average of $18 more each month or $216 for a full year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 22 months between claim filings, you would save money by selecting a higher deductible. The numbers below show the way you can do this calculation yourself.

One important caveat is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have a physical damage claim. It will be required that you have enough extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

Safe drivers Chandler pay cheaper rates

The information below illustrates how speeding tickets and accident claims can raise Ford Escape auto insurance costs for each different age group. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Should you buy full coverage?

The diagram below illustrates the difference between Ford Escape insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The information is based on no claims or violations, $100 deductibles, drivers are single, and no policy discounts are applied.

When to stop paying for full coverage

There is no definitive rule to stop paying for full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Ford Escape replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying the physical damage deductible. If you are paying over $300 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some cases where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Don’t overlook these Ford Escape insurance discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts to help offset the cost. Some of these discounts will be visible when you get a quote, but a few must be requested specifically before you get the savings.

• Sign Early and Save – Select larger companies give a discount for buying a new policy early. Ten percent is about the average savings.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more on Escape insurance in Chandler.
• Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Low Mileage – Driving less may enable drivers to earn slightly better premium rates than normal.
• Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you could save 5% or more.
• Multi-Vehicle Discounts – Insuring more than one vehicle on one policy can reduce rates for all insured vehicles.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any qualifying discounts should help reduce your premiums.

The information below shows the comparison of Ford Escape annual premium costs with and without discounts. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, multi-policy, marriage, and homeowner discounts applied.

Larger auto insurance companies and the discounts they provide are included below.

• American Family offers premium reductions for Steer into Savings, mySafetyValet, accident-free, multi-vehicle, air bags, early bird, and good driver.
• Nationwide offers discounts including good student, defensive driving, family plan, accident-free, Farm Bureau membership, and anti-theft.
• MetLife has savings for claim-free, accident-free, multi-policy, defensive driver, good student, and good driver.
• 21st Century has discounts for anti-lock brakes, automatic seat belts, early bird, 55 and older, and defensive driver.
• Farmers Insurance may offer discounts for teen driver, early shopping, mature driver, pay in full, and distant student.
• Allstate includes discounts for utility vehicle, resident student, good payer, new car, eSmart discount, and safe driver.

When getting free Chandler car insurance quotes, it’s a good idea to each company which discounts they offer. Some discounts might not be available to policyholders in your area. If you would like to choose from a list of providers with significant discounts in Arizona, click here to view.

Compare prices but buy from a local neighborhood Chandler car insurance agent

Certain consumers still prefer to talk to a local agent and doing so can bring peace of mind A nice benefit of price shopping on the web is that drivers can save money and get the lowest rates and still have a local agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is submitted to participating agents in Chandler who will give you bids for your insurance coverage. It’s much easier because you don’t need to search for an agent because prices are sent to you. You’ll get the best rates and a licensed agent to talk to. If for some reason you want to compare rates from a specific insurance company, you just need to go to their quote page and fill out their quote form.

Finding the right provider shouldn’t rely on just a low price. These are valid questions to ask:

• How are claims handled?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Are they in the agency full-time?
• Which companies can they place coverage with?
• Will the company cover a rental car if your car is getting fixed?
• Is there any savings for paying the full premium?

Shown below is a short list of insurance companies in Chandler that are able to give comparison quotes for Ford Escape insurance in Chandler.

View more agents

Tailor your insurance coverage to you

When it comes to your policy, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your insurance should unique, too.
For instance, these questions might point out if your insurance needs will benefit from professional help.

• How can I get high-risk coverage after a DUI?
• Can I still get insurance after a DUI?
• Does my Ford Escape need full coverage?
• Why are teen drivers so expensive to add on to my policy?
• Am I covered if I hit my neighbor’s mailbox?
• At what point should I drop full coverage?
• Are rock chip repairs covered?
• What if an uninsured driver hits me?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

In Summary

You just learned some good ideas how to shop for Ford Escape insurance online. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable Chandler car insurance quotes. You may even find the most savings is with a small mutual company. Some small companies can often provide lower premium rates in certain areas compared to the large companies like Allstate or State Farm.

Lower-priced Ford Escape insurance in Chandler is possible both online and with local Chandler insurance agents, so get free Chandler car insurance quotes from both of them to have the best selection. There are still a few companies who may not offer the ability to get quotes online and usually these smaller companies provide coverage only through independent insurance agencies.

When searching for cheaper Chandler car insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped collision coverage and found out when filing a claim that it was a big mistake. Your aim should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

Much more information about insurance in Arizona is located below:

• Credit and Insurance Scores (Insurance Information Institute)
• What Auto Insurance is Cheapest for Young Drivers in Chandler? (FAQ)
• How Much are Auto Insurance Rates for a Nissan Versa in Chandler? (FAQ)
• Who Has Affordable Car Insurance Rates for Teenage Females in Chandler? (FAQ)
• Who Has Cheap Car Insurance Quotes for a 20 Year Old Female in Chandler? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Driving in Bad Weather (Insurance Information Institute)