Compare Ford Explorer Sport Trac Insurance Quotes in Scottsdale

It takes a few minutes, but the best way to get discount Ford Explorer Sport Trac insurance is to compare prices at least once a year from different companies who can sell car insurance in Scottsdale. Price quotes can be compared by completing these steps.

1. Spend some time learning about how companies price auto insurance and the things you can change to drop your rates. Many rating factors that increase rates such as high-risk driving behaviors and an imperfect credit score can be remedied by making lifestyle changes or driving safer. Later in this article we will cover additional ideas to help keep rates affordable and find hidden discounts.
2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of companies.
3. Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find better rates and make a switch, verify that coverage does not lapse between policies.

An essential thing to point out is that you use the same coverage limits and deductibles on each quote request and to quote with as many companies as possible. Doing this guarantees an apples-to-apples comparison and a complete selection of prices.

Everyone knows that car insurance companies want to prevent you from shopping around. Drivers who shop for lower rates will most likely switch to a new company because there is a great chance of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that consumers who compared price quotes annually saved on average $3,400 over four years compared to people who never compared prices.

If finding the best price on insurance is your ultimate target, then understanding the best ways to find and compare coverages can save time and money.

Buying affordable auto insurance in Scottsdale is not that difficult. If you have insurance now or are shopping for new coverage, use these cost-cutting techniques to get lower rates without sacrificing coverage. Comparison shoppers just have to know the quickest method to buy auto insurance from multiple carriers.

Best companies for Ford Explorer Sport Trac insurance

The companies in the list below offer price comparisons in Scottsdale, AZ. To buy the cheapest auto insurance in Scottsdale, AZ, it’s a good idea that you visit two to three different companies in order to find the most affordable rates.

Car insurance analysis for a Ford Explorer Sport Trac

The premium information displayed below covers a range of insurance premium costs for Ford Explorer Sport Trac models. Having a better idea how premiums are calculated is important for drivers to make smart choices when comparing insurance rates.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can lower or raise rates considerably.

Higher deductibles lower rates

One of the most common car insurance questions is how high should your deductibles be. The rates below may help you to understand the differences in premium rates when you buy lower versus higher policy deductibles. The first pricing table uses a $100 deductible and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific zip code location which can influence coverage prices noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $28 more each month or $336 for a full year across all Ford Explorer Sport Trac models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 32 months between claims, you would probably save some money if you decide on a higher deductible.

The example below shows how different deductible levels and can change Ford Explorer Sport Trac insurance costs for each age group. The prices are based on a married female driver, full coverage, and no policy discounts are applied.

Car insurance premiums based on gender

The example below illustrates the comparison of Ford Explorer Sport Trac insurance premiums for male and female drivers. The premium estimates are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Liability only or full coverage

The information below illustrates the comparison of Ford Explorer Sport Trac insurance prices with and without physical damage coverage. The rates are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no specific rule of when to phase out physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your Ford Explorer Sport Trac book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after paying the physical damage deductible. If premiums are more than $400 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where only buying liability is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Seven factors that impact insurance costs

Lots of factors are considered when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, although some other factors are less obvious like your vehicle usage or how safe your car is. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine the level of your policy premiums. If you have some idea of what influences your rates, this helps enable you to make changes that can earn you cheaper rates.

More stress means more cost – Do you have a high-stress occupation? Occupations such as judges, airline pilots, and miners are shown to have the highest rates attributed to intense work-related stress and long work hours. On the flip side, careers like scientists, historians and retirees pay the least.

Long commutes cost more – The more you drive in a year the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles based upon how much you drive. Cars used primarily for pleasure use receive better premium rates than those used for commuting. Having the wrong rating on your Explorer Sport Trac can cost quite a bit. Make sure your car insurance declarations sheet reflects annual mileage.

You might pay more if you are single – Having a significant other may save some money on your car insurance bill. Having a significant other means you’re less irresponsible and it’s statistically proven that married drivers tend to file fewer claims.

Less chance of injury means lower car insurance rates – Safe vehicles tend to be cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries means your insurance company pays less and thus lower rates. If your Ford is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Low deductibles cost more – Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your vehicle. Examples of some claims that would be covered are a windshield shattered by a rock, flood damage, and damage caused by flying debris. Physical damage deductibles are how much the insured will be required to pay if a claim is determined to be covered. The more of the claim you’re willing to pay, the less your car insurance will be.

Frequent car insurance claims will increase rates – If you are the type of insured that files lots of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Car insurance companies in Arizona generally give the best rates to insureds who are claim-free. Insurance coverage is designed for more catastrophic claims.

Traffic violations are costly – Your driving record impacts premiums far more than you think. Having just one citation can increase rates to the point where it’s not affordable. Drivers with clean records get better prices as compared to those with violations. Drivers who have received multiple citations like DUI or willful reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to drive a vehicle legally.

The diagram below shows how violations and at-fault fender-benders can raise Ford Explorer Sport Trac yearly insurance costs for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Get lower-cost Ford Explorer Sport Trac insurance in Scottsdale with discounts

Some companies don’t always list every available discount very well, so the list below details some of the best known as well as some of the hidden discounts that may be available. If you don’t get every credit you qualify for, you may be paying too high a price.

• Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
• Home Ownership Discount – Simply owning a home can help you save on auto insurance due to the fact that maintaining a home is proof of financial responsibility.
• Theft Deterrent System – Vehicles optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up can save up to 15% off the PIP or medical payment premium.
• Good Student Discount – Being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
• Multi-line Discount – Select insurance carriers reward you with a break if you buy some life insurance in addition to your auto policy.
• Sign Early and Save – Select companies give a discount for buying a policy before your current expiration date. Ten percent is about the average savings.
• Braking Control Discount – Cars and trucks that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.

Just know that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it’s just not the way it works.

The diagram below illustrates the difference between Ford Explorer Sport Trac yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.

If you would like to see a list of insurers who offer discounts in Scottsdale, click here.

Buying from insurance agents

Many drivers would rather sit down and talk to an agent and we recommend doing that Professional agents will help you protect your assets and will help you if you have claims. A nice benefit of comparing auto insurance online is the fact that you can find the best rates and also buy local.

After completing this quick form, your coverage information is instantly submitted to local insurance agents that give free quotes for your business. It’s much easier because you don’t need to visit any agencies because prices are sent instantly to you. If you need to get a price quote from a specific company, don’t hesitate to find their quoting web page to submit a rate quote request.

Selecting an insurance company should include more criteria than just a cheap price quote. These are valid questions to ask:

• How long have they worked with personal auto insurance coverage?
• If they are an independent agency in Scottsdale, which companies do they recommend?
• What companies can they write with?
• Do they offer rental car reimbursement?
• Which members of your family are coverage by the policy?
• If you have an accident, will your rates go up?
• Does the agency provide any after hours assistance?
• How does the company pay claims for a total loss?

Below are agents in Scottsdale that may be able to provide price quotes for Ford Explorer Sport Trac insurance in Scottsdale.

View more agents

Your auto insurance coverage should be tailored to you

When quoting and comparing a policy, there really is not a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply.
For instance, these questions might point out whether you might need an agent’s assistance.

• Am I covered if I hit my neighbor’s mailbox?
• What if I owe more than I can insure my car for?
• Does coverage extend to a rental car in a foreign country?
• Do I need motorclub coverage?
• Is my state a no-fault state?
• Is extra glass coverage worth it?
• Do I have ACV or replacement cost coverage?
• If I use my vehicle for business use is it covered?
• Do I have coverage when making deliveries for my home business?
• Do I need more liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Quote more to save more

We covered some good ideas how you can shop for Ford Explorer Sport Trac insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company. These companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as GEICO and State Farm.

There are still a few companies who may not offer the ability to get a quote online and usually these regional carriers prefer to sell through independent agents. Lower-priced Ford Explorer Sport Trac insurance in Scottsdale is possible from both online companies and with local Scottsdale insurance agents, and you should be comparing both in order to have the best chance of saving money.

As you shop your coverage around, do not reduce coverage to reduce premium. In many instances, someone dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The goal is to buy enough coverage for the lowest cost, but do not skimp to save money.

Additional insurance information can be found at these links:

• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Who Has Affordable Car Insurance for Nurses in Scottsdale? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a Honda CR-V in Scottsdale? (FAQ)
• Who Has Affordable Scottsdale Car Insurance Quotes for College Graduates? (FAQ)
• Who Has Cheap Car Insurance Quotes for Active Military in Scottsdale? (FAQ)
• Who Has Cheap Auto Insurance for Drivers with a DUI in Scottsdale? (FAQ)
• Who Has the Cheapest Scottsdale Auto Insurance with Multiple Speeding Tickets? (FAQ)
• Help Your Teen Be a Better Driver (State Farm)
• All About Airbag Safety (State Farm)