Best Ford Edge Insurance in San Diego

Searching for lower-priced Ford Edge insurance in San Diego? When searching for lower-cost insurance, do you get confused by the sheer number of car insurance providers available to you? Many other people are too. There are so many choices that it can turn into a ton of work to find the perfect company for you. Everyone knows that San Diego is a wonderful place to live, but having to pay for pricey car insurance makes it impossible to stay on budget.

A recent car insurance study discovered that the vast majority of car insurance customers kept their coverage with the same car insurance company for four years or more, and approximately 40% of consumers have never shopped around. San Diego insurance shoppers could cut their rates by 35% a year just by comparing rates, but they won’t spend time to compare rates and save money.

Consumers need to shop coverage around before your policy renews because prices go up and down regularly. Just because you had the lowest rates on Ford Edge insurance in San Diego six months ago there may be better deals available now. Ignore everything you know about car insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money on Ford Edge insurance in San Diego.

If you have coverage now, you should be able to find better prices using this strategy. Quoting affordable car insurance coverage in San Diego is not as hard as you may think. But California drivers should learn how companies determine premium rates and take advantage of how the system works.

The are a couple different ways of comparing price quotes from all the different companies. The quickest method to lower the rate you pay for Ford Edge insurance is to jump online and get quotes. When comparing car insurance rates, know that making a lot of price comparisons provides better odds of finding lower pricing.

The providers in the list below provide free quotes in San Diego, CA. If more than one company is shown, we recommend you visit several of them to get the best price comparison.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific San Diego garaging location which can influence auto insurance rates substantially.

Should you buy full coverage?

The example below illustrates the difference between Ford Edge insurance premiums with full physical damage coverage and with liability coverage only. The costs are based on no claims or driving violations, $500 deductibles, single female driver, and no discounts are applied.

When to switch to liability coverage only

There isn’t a written rule of when to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Ford Edge book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying over $600 a year for full coverage, then you might consider buying liability only.

There are a few situations where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not remove full coverage.

Comparison of policy deductibles

One of the most common auto insurance questions is what deductibles to buy. The comparisons below lay out how much more rates are between high and low insurance deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific San Diego garaging location which can influence coverage rates considerably.

We can derive from the above data that using a $250 deductible would cost the average driver about $30 more each month or $360 every year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 25 months between claim filings, you would save money if you elect the higher deductible. Here is an example of how you can do this calculation yourself.

One important issue to know is that a higher deductible level results in more money out-of-pocket when you file a claim. It will be required that you have some non-essential savings in order to pay the deductible for vehicle repair.

Drive responsibly or pay higher rates

The diagram below shows how speeding tickets and at-fault accidents impact Ford Edge auto insurance costs for each different age category. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Save money on Ford Edge insurance in San Diego with these car insurance discounts

Some providers do not advertise all possible discounts in a way that’s easy to find, so we took the time to find a few of the more well known as well as some of the hidden discounts that may be available.

• Federal Employees – Active or retired federal employment could provide a small rate reduction with some car insurance companies.
• Early Switch Discount – Some larger companies reward drivers for switching to them prior to your current Edge insurance policy expiration. It can save you around 10%.
• Theft Deterrent Discount – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
• Discount for Home Ownership – Being a homeowner can get you a discount since home ownership is proof of financial responsibility.
• No Accidents – Drivers with accident-free driving histories have much lower rates when compared with drivers with a long claim history.
• Defensive Driver Discount – Participating in a driver safety class could save 5% or more if you qualify.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
• Resident Student – Any of your kids who attend college more than 100 miles from San Diego and leave their car at home may be insured at a cheaper rate.
• Multiple Policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of up to 20% off your total Edge insurance premium.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, that’s just not realistic. Any amount of discount should help lower your car insurance premiums.

A few popular companies and their offered discounts are included below.

• American Family has discounts for mySafetyValet, good student, good driver, multi-vehicle, and early bird.
• Farm Bureau policyholders can earn discounts including good student, 55 and retired, multi-policy, renewal discount, and safe driver.
• State Farm offers premium reductions for multiple autos, Drive Safe & Save, good driver, passive restraint, multiple policy, and student away at school.
• Travelers offers discounts including hybrid/electric vehicle, early quote, home ownership, payment discounts, new car, save driver, and continuous insurance.
• The Hartford discounts include defensive driver, anti-theft, air bag, bundle, good student, vehicle fuel type, and driver training.
• GEICO offers discounts for multi-vehicle, military active duty, driver training, defensive driver, anti-theft, air bags, and good student.
• Progressive may include discounts for continuous coverage, homeowner, multi-policy, good student, online quote discount, multi-vehicle, and online signing.

Check with each company which credits you are entitled to. Some discounts might not be offered on policies in San Diego.

When to get advice from a local insurance agent

Some people just prefer to get professional advice from a licensed agent and doing that can be a smart decision The best thing about comparing rate quotes online is the fact that you can find cheap insurance quotes but also keep your business local. And buying from local agencies is important particularly in San Diego.

To help locate an agent, after submitting this quick form, your coverage information is emailed to local insurance agents who will return price quotes for your business. You won’t need to search for an agent since rate quotes are delivered immediately to you. You can most likely find cheaper rates AND a local agent. If for some reason you want to get a comparison quote from a specific insurance provider, don’t hesitate to go to their quote page to submit a rate quote request.

Compare rates from both independent and exclusive auto insurance agents

If you want to use a good San Diego insurance agent, you must know there are a couple types of agencies and how they can write your policy. Agents in San Diego may be either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company and that is an advantage because they can write policies through many different insurance companies and get the cheapest rates. If you want to switch companies, your policy is moved internally and you don’t have to find a new agent. When comparing insurance rates, you will want to compare quotes from multiple independent agents to have the best price comparison. Many write coverage with different regional companies who may have lower rates.

Featured below are San Diego independent insurance agents who may provide free insurance quotes.

• Springbrook Insurance Agency
  10650 Treena St #105 – San Diego, CA 92131 – (858) 391-3001 ext. 105 – View Map
• Barney and Barney Insurance Services LLC
  9171 Towne Centre Dr Suite 500 – San Diego, CA 92122 – (800) 321-4696 – View Map
• Anchor General Insurance Agency-Texas
  10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map

View more San Diego agents

Exclusive Insurance Agents

Agents that choose to be exclusive can only provide pricing for a single company and some examples include State Farm or Allstate. Exclusive agents cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are highly trained on their products and sales techniques which can be an advantage. Consumers frequently use the same exclusive agent mostly because of high brand loyalty and the convenience of having all coverages with one company.

The following are San Diego exclusive insurance agents that are able to give price quote information.

• Farmers Insurance: James Calafata
  4325 Cass St – San Diego, CA 92109 – (858) 483-7171 – View Map
• R J Blake – State Farm Insurance Agent
  1040 University Ave B201 – San Diego, CA 92103 – (619) 681-0060 – View Map
• David Hiser – State Farm Insurance Agent
  910 Grand Ave #205 – San Diego, CA 92109 – (858) 272-2343 – View Map

View more San Diego agents

Deciding on an insurance agent should depend on more than just the price. Here are some questions to ask:

• Are they paid to recommend certain coverages?
• If you raise deductibles, how much can you save?
• Will one accident increase rates?
• How many years have they been established?
• Which insurance companies are they affiliated with?
• Do they make recommendations based only on price?
• How often do they review coverages?

Upon receiving reasonable responses to these questions and locked in a price quote, chances are good that you have found an insurance agent that is professional and can insure your vehicles. But remember, once you purchase a policy you can terminate coverage at any time so never assume that you are obligated to a policy for the full policy term.

Learn How to Lower Your Insurance Prices

The best way to find cheaper car insurance is to take a look at some of the factors that come into play when calculating car insurance rates. If you have a feel for what determines base rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Careless drivers pay higher rates – How you drive impacts premiums far more than you think. Good drivers pay lower auto insurance prices than bad drivers. Getting just one citation may cause rates to rise forty percent or more. Drivers who have careless citations such as DUI, reckless driving or excessive speeding may find they need to file a SR-22 with their state’s department of motor vehicles in order to legally drive.

High credit score translates to low prices – A driver’s credit score is a large factor in determining your rates. Insureds with excellent credit tend to be less risk to insure than those with poor credit. If your credit history is not that good, you could potentially save money when insuring your Ford Edge by improving your rating.

Cheaper premiums for prior coverage – Driving any period of time without insurance is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will rates go up, failure to provide proof of insurance could result in a revoked license or a big fine.

Gender and auto insurance prices – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Males and females get in at-fault accidents in similar numbers, but males tend to have more serious accidents. Men also tend to get higher numbers of serious violations like driving under the influence (DUI). Male drivers age 16 to 19 tend to get in the most accidents so it costs more to insure them.

Where you live factors in – Living in less populated areas is a positive aspect when it comes to car insurance. Fewer people means less chance of accidents and a lower car theft rate. Drivers in populated California areas have to deal with much more traffic and longer commute times. More time behind the wheel means more chance of being in an accident.

Liability coverage preserves assets – Your car insurance policy’s liability coverage is the coverage that protects you if you are determined to be liable for damages from an accident. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.

Proper usage rating affects premiums – The more you drive your Ford every year the more you’ll pay to insure it. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Autos that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. A policy that improperly rates your Edge can result in significantly higher rates. It’s a good idea to make sure your car insurance policy reflects the proper vehicle usage, because improper ratings can cost you money.

Use but don’t abuse your insurance – If you file claims often, you should expect either policy cancellation or increased premiums. Auto insurance companies in California generally give the best rates to insureds who are not frequent claim filers. Insurance coverage is intended for the large, substantial claims.

Claims statistics for a Ford Edge – Insurance companies factor in historical loss data to help determine prices. Models that are shown to have a higher amount or frequency of claims will have a higher cost to insure.

The table below outlines the insurance loss data used by companies for Ford Edge vehicles. For each policy coverage, the loss probability for all vehicles as a whole is considered to be 100. Values that are under 100 are indicative of better than average losses, while percentage values above 100 point to more frequent losses or an increased chance of a larger loss.

Why you need Ford Edge insurance in California

Even though it’s not necessarily cheap to insure a Ford in San Diego, buying insurance may not be optional for several reasons.

• Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Ford has a loan, it’s guaranteed your bank will make it a condition of the loan that you have comprehensive coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Ford at an extremely high rate and force you to pay the higher price.
• Insurance preserves both your assets and your Ford. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If your Ford gets damaged, your insurance policy will pay to have it repaired.

The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. The average driver in America is overpaying over $865 each year so it’s very important to do a rate comparison once a year at a minimum to make sure the price is not too high.

Cheaper insurance is a realistic goal

Drivers change insurance companies for a variety of reasons including denial of a claim, high prices, extreme rates for teen drivers or policy cancellation. It doesn’t matter why you want to switch finding a new insurance company is pretty easy and you might even save some money in the process.

The cheapest Ford Edge insurance in San Diego is available on the web and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not offer rate quotes online and many times these small insurance companies work with independent agents.

We just covered quite a bit of information on how to compare Ford Edge insurance prices in San Diego. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even be surprised to find that the lowest prices come from a company that doesn’t do a lot of advertising.

More tips and info about insurance can be found in these articles:

• Senior Drivers (Insurance Information Institute)
• Who Has Affordable San Diego Auto Insurance Rates for a Nissan Sentra? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a Learners Permit in San Diego? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)