It’s safe to assume that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around for the cheapest price will most likely buy a different policy because there is a significant possibility of finding a lower-cost company. Remarkably, a study showed that people who shopped around annually saved on average $3,500 over four years as compared to drivers who never shopped for cheaper rates.
If finding the cheapest price on insurance in Mesa is why you’re here, then learning a little about how to choose a company and compare insurance rates can save time and make the process easier.
If you want to save money, the best way to find cheaper quotes for Ford Explorer insurance in Mesa is to compare prices once a year from companies that insure vehicles in Arizona.
Step 1: Try to learn about what coverages are included in your policy and the things you can change to lower rates. Many policy risk factors that are responsible for high rates like inattentive driving and an unacceptable credit score can be controlled by making minor changes to your lifestyle.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can provide prices for many different companies. Find a Mesa insurance agent
Step 3: Compare the quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate, make sure there is no coverage gap between policies.
An important part of this process is to try to use the same deductibles and limits on each quote and and to get price estimates from as many companies as feasibly possible. This provides a fair rate comparison and many rates to choose from.
The cheapest Mesa Ford Explorer insurance quotes online
When looking for affordable Ford Explorer insurance quotes, there are a couple ways to get quotes from different Mesa insurance companies. The best method to do a complete rate comparison consists of obtaining rate quotes online.
When comparison shopping, comparing more rates from different companies helps you find more affordable rates.
The auto insurance companies shown below offer quotes in Arizona. To locate cheap auto insurance in Mesa, AZ, we suggest you visit several of them to get a more complete price comparison.
Premium rates and analysis
The premium table shown next covers detailed analysis of insurance prices for Ford Explorer models. Learning a little about how car insurance premiums are formulated can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| Explorer Eddie Bauer 2WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| Explorer XLT 4WD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| Explorer XLT AWD | $214 | $258 | $392 | $24 | $118 | $1,006 | $84 |
| Explorer Eddie Bauer 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Explorer Eddie Bauer AWD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Explorer Limited 2WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Explorer Limited 4WD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Explorer Limited AWD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in Mesa location which can raise or lower coverage prices significantly.
Physical damage deductible comparison
One frequently asked question is at what level do you set your deductibles. The following insurance rates can help you visualize the premium difference when you choose different policy deductibles. The first set of rates uses a $100 physical damage deductible and the second price table uses a $500 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 | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Explorer Eddie Bauer 2WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Explorer XLT 4WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Explorer XLT AWD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Explorer Eddie Bauer 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Explorer Eddie Bauer AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Explorer Limited 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Explorer Limited 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Explorer Limited AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
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, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in specific location information which can increase or decrease price quotes noticeably.
We can estimate from the data above that using a $100 deductible costs about $20 more each month or $240 annually than requesting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 20 months between claims, you would probably save some money by going with a higher deductible.
The diagram below shows how choosing a deductible and can impact Ford Explorer insurance rates for each age group. The premiums are based on a married male driver, full physical damage coverage, and no discounts are factored in.
Rate increases following a ticket or accident
The diagram below shows how violations and accident claims can raise Ford Explorer auto insurance rates for different age groups of insureds. The premiums assume a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Full coverage or liability only
The illustration below illustrates the comparison of Ford Explorer auto insurance costs with full physical damage coverage and with liability coverage only. The information is based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no definitive rule for excluding full coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your Ford Explorer book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the policy deductible has been paid. If you are currently paying more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some cases where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, 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 even your car is totaled, you should not drop full coverage.
Why you need to buy insurance
Despite the high insurance cost for a Ford Explorer in Mesa, insurance is required for several reasons.
First, just about all states have mandatory liability insurance requirements which means state laws require specific limits of liability if you drive a 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.
Second, if you have a loan on your Ford Explorer, it’s guaranteed your bank will require you to have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Ford at a significantly higher premium and force you to reimburse them much more than you were paying before.
Third, insurance protects both your assets and your Ford Explorer. It will also provide coverage for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. According to a recent study, the average American driver overpays as much as $855 a year so you should quote and compare rates every year to ensure rates are competitive.
Affordable Mesa auto insurance rates with discounts
Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Some discounts will apply when you complete an application, but a few must be specially asked for before they will apply. If you’re not getting every credit possible, you are just wasting money.
- Defensive Driver Discounts – Taking part in a course in defensive driving could earn you a small percentage discount and easily recoup the cost of the course.
- Discounts for Cautious Drivers – Accident-free drivers can save up to 40% or more on their Mesa car insurance quote than less cautious drivers.
- Discount for Swiching Early – Some auto insurance companies give discounts for buying a new policy before your current expiration date. You could save around 10% when you buy Mesa car insurance online.
- ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
- Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
- Senior Discount – If you’re over the age of 55, you could receive lower premium rates.
- Discount for New Cars – Putting insurance on a new Explorer can be considerably cheaper due to better safety requirements for newer vehicles.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will lower your premiums.
The chart below illustrates the comparison of Ford Explorer auto insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, claim-free, homeowner, and multi-car discounts applied.
Large auto insurance companies and their offered discounts are included below.
- State Farm policyholders can earn discounts including defensive driving training, good student, multiple autos, safe vehicle, Steer Clear safe driver discount, and driver’s education.
- Progressive discounts include multi-policy, continuous coverage, online signing, multi-vehicle, homeowner, online quote discount, and good student.
- Progressive has discounts for continuous coverage, homeowner, online signing, multi-vehicle, good student, multi-policy, and online quote discount.
- MetLife may include discounts for defensive driver, multi-policy, good driver, good student, claim-free, and accident-free.
- Farm Bureau offers discounts including safe driver, 55 and retired, multi-vehicle, youthful driver, multi-policy, and driver training.
- GEICO may offer discounts for anti-lock brakes, emergency military deployment, daytime running lights, military active duty, air bags, and defensive driver.
- SAFECO offers discounts for homeowner, bundle discounts, anti-lock brakes, anti-theft, safe driver, and teen safe driver.
Before you buy a policy, ask each insurance company the best way to save money. All car insurance discounts may not be offered in every state. To view companies that offer many of these discounts in Mesa, click this link.
Compare prices but buy from a neighborhood Mesa auto insurance agent
Certain consumers still prefer to buy from a local agent and that is recommended in a lot of cases One of the best bonuses of getting online price quotes is you can get cheap auto insurance quotes and still have an agent to talk to.
After filling out this quick form, your insurance coverage information is sent to insurance agents in Mesa that can give you free Mesa car insurance quotes for your business. There is no reason to find an agent because prices are sent instantly to you. It’s the lowest rates AND an agent nearby. If you have a need to get a price quote from one company in particular, just jump over to their website and fill out their quote form.
Deciding on an insurer requires more thought than just the premium amount. These questions are important to ask:
- Can you use your own choice of collision repair facility?
- Is the agency involved in supporting local community causes?
- Will you work with the agent or an assistant?
- Do they have 24-hour customer assistance?
- What insurance companies do they recommend if they are an independent agent?
- How long has the business existed?
- Does the company use OEM repair parts?
Exclusive and independent Mesa car insurance agents
If you want to use a local agent, it helps to know the two different types of agencies and how they can write your policy. Auto insurance agencies are categorized either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
These type of agents are contracted to one company like Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their products and sales techniques which aids in selling service over price. Some people will only use the same exclusive agent mostly because of the brand name rather than low rates.
Below is a list of exclusive agents in Mesa willing to provide rate quotes.
- Bruce Hoerner – State Farm Insurance Agent
1731 W Baseline Rd #106 – Mesa, AZ 85202 – (480) 839-5033 – View Map - Allstate Insurance: Cameron Berrett
5052 S Power Rd #104 – Mesa, AZ 85212 – (480) 454-7518 – View Map - Allstate Insurance: Michael Grizzle
1119 E University Dr – Mesa, AZ 85203 – (480) 834-1233 – View Map
Independent Insurance Agents
Agents that choose to be independent are not locked into one company so they can insure your vehicles through many different auto insurance companies and find the cheapest auto insurance rates. If they find a cheaper price, your agent can switch companies which requires no work on your part. When comparing rate quotes, you will want to get several quotes from at a minimum one independent agency to get the best comparison. Most can insure with less well-known companies which can be an advantage.
Listed below are Mesa independent agencies willing to provide price quotes.
- Gilbert Insurance Group
350 N Gilbert Rd #202 – Gilbert, AZ 85234 – (480) 926-9030 – View Map - Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318 – View Map - AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
The coverage is in the details
Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP kick in for bills such as EMT expenses, dental work, chiropractic care, nursing services and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive auto coverage
This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, a broken windshield, hitting a deer, fire damage and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (Arizona limits are 15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverage protection
This covers damage to your Explorer resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as backing into a parked car, crashing into a ditch, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible on your Explorer in order to get cheaper collision rates.
Liability auto insurance
Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/10 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and $10,000 of coverage for damaged property.
Liability insurance covers things like medical expenses, loss of income, funeral expenses, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should consider buying better liability coverage.
The next chart demonstrates why the minimum limit may not be high enough to cover claims.
Auto insurance companies ranked
Insuring your vehicle with the best auto insurance company can be rather challenging considering how many companies sell insurance in Mesa. The rank data listed below could help you analyze which car insurance providers to look at comparing rates from.
Top 10 Mesa Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Mesa Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Lower rates by being persistent
Some companies do not provide price quotes online and usually these smaller providers prefer to sell through local independent agencies. The cheapest Ford Explorer insurance in Mesa can be sourced from both online companies and also from your neighborhood Mesa agents, and you should compare rates from both so you have a total pricing picture.
When shopping online for car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the best price.
We just showed you some good ideas how you can compare Ford Explorer insurance auto insurance rates in Mesa. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Mesa car insurance quotes. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.
Even more information is located in these articles:
- What to do at the Scene of an Accident (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Honda Civic in Mesa? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)