Best Ways to Save on Tucson Ford Explorer Insurance

A recent survey discovered that most car insurance buyers have stayed with the same insurance company for at least four years, and just short of a majority have never even compared rates from other companies. Arizona drivers could save themselves about 50% a year just by comparing rates, but they don’t know the large savings they would see if they changed companies.

If your goal is the lowest price, then the best way to get budget auto insurance rates is to regularly compare price quotes from insurers that sell auto insurance in Tucson.

First, try to comprehend how auto insurance works and the things you can control to prevent expensive coverage. Many policy risk factors that drive up the price like traffic citations, accidents, and poor credit history can be improved by being financially responsible and driving safely.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple sources.

Third, compare the new rate quotes to your existing rates and determine if there is any savings. If you can save some money and change companies, make sure there is no coverage gap between policies.

Fourth, give proper notification to your current agent or company of your decision to cancel your current policy. Submit a down payment and signed policy application to your new agent or company. As soon as you receive it, place the new certificate verifying proof of insurance along with your vehicle registration.

An important note is that you use similar deductibles and liability limits on each quote request and and to get prices from all possible companies. Doing this guarantees a fair price comparison and a complete price analysis.

The following companies offer free rate quotes in Tucson, AZ. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.

Get cheaper Ford Explorer insurance rates in Tucson

Not many people think insurance is cheap, but you may find discounts that could drop your premiums quite a bit. Certain discounts will be applied at quote time, but a few must be specially asked for prior to getting the savings.

• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out a life policy as well.
• Discount for Swiching Early – Some insurance companies give discounts for switching companies before your current Explorer insurance policy expires. This discount can save up to 10%.
• Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
• Accident-Free Discounts – Claim-free drivers get the best insurance rates when compared to bad drivers.

You can save money using discounts, but some of the credits will not apply to the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts should definitely cut the cost of your policy.

The information below shows the difference between Ford Explorer annual premium costs with and without discounts applied to the rates. The data assumes a female driver, no claims or driving citations, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, multi-policy, and claim-free discounts applied.

Popular insurance companies and some of the premium reductions they offer include:

• Travelers may offer discounts for multi-car, hybrid/electric vehicle, save driver, student away at school, early quote, and driver training.
• 21st Century may have discounts that include student driver, early bird, 55 and older, good student, and theft prevention.
• State Farm offers premium reductions for good driver, accident-free, multiple autos, student away at school, and good student.
• GEICO has discounts for five-year accident-free, seat belt use, good student, daytime running lights, military active duty, anti-theft, and multi-vehicle.
• SAFECO policyholders can earn discounts including teen safe driver, multi-car, accident prevention training, safe driver, drive less, teen safety rewards, and homeowner.
• AAA may include discounts for multi-car, anti-theft, AAA membership discount, good driver, pay-in-full, and good student.

Before you buy a policy, ask every insurance company how many discounts you can get. Discounts may not apply in every state. To choose insurance companies with significant discounts in Arizona, click this link.

Ford Explorer insurance charts and tables

The premium information displayed below covers a range of insurance costs for Ford Explorer models. Understanding how rate quotes are determined can help drivers make smart choices when buying a policy.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle garaging location which can raise or lower premium rates substantially.

How high should deductibles be?

A question often asked by Tucson drivers is how high should the physical damage deductibles be. The rates shown below may help to illustrate the difference in cost when you select higher and lower deductibles. The first rate quote example uses a $250 deductible and the second set of rates uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in specific garaging location which can lower or raise price quotes greatly.

Based on these figures, using a $250 deductible costs approximately $11 more each month or $132 a year across all Ford Explorer models than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 23 months between claims, you would save more money if you elect the higher deductible.

Comparison of full coverage and liability-only policies

The chart below shows the comparison of Ford Explorer auto insurance rates with and without full coverage. The premium estimates are based on no claims or driving violations, $100 deductibles, single marital status, and no other discounts are factored in.

When to drop comp and collision

There is no clear-cut formula that works best for making the decision to drop physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s assume your Ford Explorer replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after the deductible is paid. If it’s costing in excess of $600 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are a few cases where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Arizona auto insurance company ratings

Insuring your vehicle with the best car insurance provider can be a challenge considering how many choices you have in Arizona. The ranking data shown next can help you select which coverage providers you want to consider when looking for cheaper rates.

How Insurance Companies Calculate Ford Explorer Insurance Prices

Many things are used in the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, although some other factors are more obscure like where you live or your vehicle rating. Smart consumers have a good feel for a few of the rating criteria that aid in calculating your premiums. If you have some idea of what influences your rates, this enables informed choices that can help you get lower car insurance prices.

• More performance means higher prices – The performance of the car you are insuring makes a significant difference in the rate you pay. The lowest base rates are for the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.

  The following data is based on a single male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Ford Explorer insurance rates compared to other models that have different risk factors.

• High premiums for younger drivers – Teenage drivers in Arizona are statistically shown to be inattentive when driving therefore car insurance rates are much higher. Parents adding a young driver onto a policy will cause a huge premium hike. Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims, and are generally more financially stable.

  The following chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

• Does your employer cost you more? – Did you know your car insurance rates can be affected by your occupation? Occupations like military generals, air traffic controllers, and financial analysts tend to have the highest average rates attributed to stressful work requirements and lots of time spent at work. On the other hand, occupations like scientists, athletes and homemakers have the lowest average rates.
• Policy add-ons could be costing you – Insurance companies have many add-on coverages you can purchase when buying car insurance. Things like roadside assistance, towing coverage, and Farm Bureau memberships could be just wasting money. They may seem good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
• Insurance rates in urban areas – Living in small towns and rural areas may provide you with better prices when insuring your vehicles. Drivers who live in large cities regularly have more traffic problems and much longer commute distances. Fewer drivers means fewer accidents as well as less vandalism and auto theft.
• Annual miles is a factor – The higher the miles on your Ford annually the more you will pay for car insurance. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. Improper usage on your Explorer can result in significantly higher rates. It’s a smart idea to ensure your car insurance policy shows the correct usage, because improper ratings can cost you money.
• Marriage discount – Having a wife or husband may earn you lower rates compared to being single. Having a spouse translates into being more mature and responsible and statistics prove drivers who are married file infrequent claims.

• Ford Explorer insurance loss probability – Companies analyze claim trends for every vehicle when setting premium prices. Vehicles that the statistics show to have higher frequency or amount of claims will have higher rates for specific coverages. The data below shows the actual insurance loss data for Ford Explorer vehicles.

  For each policy coverage, the claim probability for all vehicles, regardless of make or model, is a value of 100. Numbers shown that are under 100 are indicative of better than average losses, while percentage numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.

  
  

  Ford Explorer Insurance Loss Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Ford Explorer 4dr 2WD	80	90	79	75	70	82
  Ford Explorer 4dr 4WD	94	94	97	75	70	85

  BETTER

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  Statistics from IIHS.org for 2013-2015 Model Years