Who Has the Cheapest Insurance Quotes for a Ford Edge in California?

The likelihood of finding cheaper auto insurance for a Ford Edge in California depends upon many factors such as the mileage of your daily commute, your credit score, and any past driving violations you may have had. California drivers pay on average $1,420 each year to insure an Edge, but that amount is an estimation rating a 40-year-old married male driver that wants comprehensive and collision coverage and $100 policy deductibles.

Chances are that you aren’t exactly 40 years old or even a male, maybe you are single instead of married, or maybe your Edge doesn’t need comprehensive and collision coverage. There is no “one size fits all” policy, so the best way to find cheap insurance prices for your Ford is to make a habit of comparing rates at every renewal.

Find Cheaper Ford Edge Insurance

Your Ford’s trim level tends to have a direct impact on price, so the price you will be charged to insure a Edge SE 2WD will be $268 lower than the insurance cost for the more costly Edge Sport AWD model, as shown below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific California garaging location which can impact premiums noticeably.

Buying coverage from the best insurance company can be challenging considering how many companies there are in California. The company rank data shown below may help you analyze which auto insurers you want to consider when shopping around.

The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into these rankings. To get price quotes from these companies and more, simply click here.

Careless drivers pay higher rates

A great way to snag the best auto insurance rates in California for an Edge is to be a careful driver and avoid accidents and traffic violations. The example below illustrates how speeding tickets and at-fault accidents can drive up car insurance costs for different age groups. The premiums are based on a single male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of car insurance in California per year with a clean driving record and no accidents is $3,225. Add in one speeding ticket and the average cost increases to $3,631, an increase of $406 each year. Then include one accident along with the one speeding ticket and the annual cost of auto insurance for a Ford Edge goes up to an average of $4,800. That’s an increase of $1,575, or $131 per month, just for not being a responsible driver!

Discount California car insurance rates

Insurers that sell the cheapest insurance for a Ford Edge in California may additionally offer policy discounts that can reduce rates by as much as 25% or more if you are eligible to receive them. A list of auto insurance companies and their possible discounts can be found below.

The information below illustrates the difference between yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, homeowner, anti-theft, marriage, claim-free, and passive restraint discounts applied. When drivers qualify for the discounts, the the amount saved on auto insurance for a Ford Edge is 13% or $253.

Who has the cheapest Ford Edge insurance quotes?

There are a variety of different ways to compare auto insurance prices in California, but the most common methods are through a captive (or exclusive) agent like Allstate or Auto-Owners, a non-exclusive or independent agent, or direct online or over the phone from a company like Geico or Progressive.

All three ways are similar, but it’s good to know the differences in how they price policies.

Independent agents have contracts with multiple insurance companies and can do rate comparisons with each one. These agents have the ability to provide you with more rates, which can give you improved chances of finding a lower rate. If a cheaper rate is found, your policy is moved internally which prevents you from having to switch agents.

A captive or exclusive agent is only able to write with one insurance company, two examples are a State Farm or Liberty Mutual agent. Exclusive agents are unable to provide prices from multiple companies, which does not give you the best rate comparison.

Auto insurance from a direct company means you skip an agent and instead buy from a direct company like Esurance. This option may be a decent choice consumers who do not need risk management and have some degree of understanding of what auto insurance covers.

So what is the best way to buy the cheapest insurance for a Ford Edge in California? Most people assume that buying from a direct car insurance company saves money since there is no middleman, but that generally is not the case. We’d also like to say going through an independent agent guarantees the best prices due to increased selection, but again, it’s not a sure thing. For some people, exclusive agencies may have very competitive prices that other companies cannot beat.

Because there is so much variation in auto insurance prices, the only true way to buy the cheapest coverage is to get rate quotes and compare. The ideal approach is to get quotes from all three to have enough rates to compare. For a list of companies with cheap rates in California, click here to view.

How to find budget-friendly auto insurance for a Ford Edge

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help California drivers get cheaper auto insurance.

• Get cheaper liability coverage by choosing a safer vehicle
• Being accident-free can lower rates significantly
• Violations and traffic tickets increase rates
• Having too many claims will increase rates substantially
• Buying your home and auto policies from the same company can earn a discount
• Compare rates once a year for cheaper prices

That last idea is incredibly significant, as was pointed out in the article above. Coverage prices change a lot, so you should be ready to buy a different policy if you find a better deal. We understand brand loyalty, but we do not recommend it if it’s costing you a considerable chunk of change every month. It takes less than five minutes to shop around and find cheaper car insurance for a Ford Edge.