Auto Insurance Rates for a Ford Edge in Sacramento

Sad but true, about 70% of customers have remained with the same auto insurance company for at least four years, and almost 40% of drivers have never compared rates from other carriers. The average driver in California could save as much as 35% each year just by getting comparison quotes, but they assume it’s a waste of time to shop around.

If you want to save the most money, the best way to save money on Ford Edge insurance in Sacramento is to do a yearly price comparison from providers in California.

Step 1: Read and learn about coverages and the measures you can take to keep rates in check. Many risk factors that increase rates like traffic violations and a low credit score can be remedied by making minor driving habit or lifestyle changes. Keep reading for information to lower rates and earn larger discounts.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of insurance providers. Find a Sacramento insurance agent

Step 3: Compare the quotes to your current policy premium and determine if cheaper Edge coverage is available in Sacramento. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.

A good tip to remember is to use identical limits and deductibles on every quote and and to get rates from as many companies as you can. This guarantees a fair rate comparison and a thorough selection of prices.

If you have insurance now or need new coverage, take advantage of these tips to get lower rates while maximizing coverage. Locating the most cost-effective insurance policy in Sacramento is actually not that difficult if you follow our advice. Vehicle owners just need to learn the most time-saving way to compare rates from multiple carriers.

Affordable rates on Ford Edge insurance in Sacramento with these car insurance discounts

Some insurers don’t list all discounts in an easy-to-find place, so the following list contains both the well known as well as some of the hidden discounts you could be receiving when you buy Sacramento car insurance online.

• Senior Citizen Rates – Drivers that qualify as senior citizens may receive reduced rates.
• Online Discount – Certain companies may give you up to $50 for buying a policy and signing up on the web.
• Sacramento Homeowners Pay Less – Owning a house in Sacramento can earn you a little savings since home ownership is proof that your finances are in order.
• Include Life Insurance and Save – Larger insurance companies have a discount if you purchase some life insurance in addition to your auto policy.
• Passenger Safety Discount – Cars that have air bags could see savings as much as 30%.
• Student in College – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
• Driving Data Discount – Insureds who allow companies to spy on when and where they use their vehicle by using a telematics device like Allstate’s Drivewise could save a few bucks as long as the data is positive.
• Discounts for Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates than less cautious drivers.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

The illustration below illustrates the comparison of Ford Edge auto insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, homeowner, marriage, and multi-policy discounts applied.

To see a list of companies who offer free Ford Edge insurance quotes in Sacramento, click here to view.

The fastest way that we advise to compare policy rates for Ford Edge insurance in Sacramento is to know the trick most larger insurance companies pay for the opportunity to give you rate quotes. All you need to do is provide a little information like if a SR-22 is needed, if you are currently licensed, driver details, and the year, make and model of vehicles. That information is automatically sent to multiple top-rated companies and they return cost estimate instantly to find the best rate.

To start a rate quote now, click here and complete the quick form.

The companies shown below can provide price quotes in Sacramento, CA. To find the cheapest car insurance in California, we recommend you get rates from several of them in order to find the most affordable rates.

Analysis of coverages

The table shown below outlines detailed analysis of insurance prices for Ford Edge models. Having a good grasp of how insurance rates are figured can help guide drivers when making decisions on the best policy to buy.

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

Can higher deductibles save money?

One frequently asked question is how high should the physical damage coverage deductibles be. The rates shown below may help to illustrate the premium difference between high and low insurance deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific Sacramento garaging location which can influence prices considerably.

We can derive from the above data that using a $250 deductible will cost you about $30 more each month or $360 every year averaged for all Edge models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 25 months between claim filings, you would save more money if you choose the higher deductible.

The chart below illustrates how your choice of deductibles and can impact Ford Edge annual premium costs for each age group. The price estimates are based on a married male driver, full coverage, and no discounts are applied to the premium.

Rate comparison of male drivers versus female drivers

The information below compares Ford Edge auto insurance rates for male and female drivers. The price estimates are based on no claims or driving citations, full coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

Cost of full coverage

The example below visualizes the comparison of Ford Edge auto insurance costs when comparing full coverage to state minimum liability only. The rates are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no additional discounts are factored in.

Are you wasting money on full coverage?

There is no definitive formula for phasing out comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Ford Edge replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your deductible. If it’s costing you more than $700 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Why Your Insurance Rates might be higher

Lots of things are part of the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, although some other factors are more obscure such as whether you are married and annual miles driven.

• Getting married brings a discount – Being married helps lower the price on insurance. Having a spouse generally demonstrates drivers are more stable financially and insurance companies like that married drivers get in fewer accidents.
• Car insurance liability protection limits – A critical coverage on your policy, liability insurance is the protection if ever a court rules you are at fault for an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Reduce premiums by driving safer vehicles – Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If the Ford Edge scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.

• High performance vehicles cost more to insure – The performance level of the car, truck or SUV you are insuring makes a significant difference in the rate you pay. The best insurance prices are usually found on economy passenger cars, but the cost you end up paying is determined by many additional factors.

  The data below uses these variables: single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Ford Edge rates compared to other models that have a range of performances.

• Tickets and citations cost more than a fine – Only having one citation may increase your cost by twenty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who have received license-revoking violations like reckless driving or DUI might be required by their state to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.

  The information below illustrates how violations and accidents can drive up Ford Edge auto insurance costs for different insured age categories. The data is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

• Your age impacts your premiums – Teen drivers in California are statistically shown to be less responsible when driving with friends so they pay higher insurance rates. More mature drivers are more cautious drivers, cause fewer claims and accidents, and are safer drivers.

  The following data is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Drive less and pay lower prices – The higher the miles on your Ford annually the higher the price you pay to insure it. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Cars that sit idle most of the time qualify for better rates than vehicles that have high annual mileage. Double check that your declarations sheet shows annual mileage, because improper ratings can cost you money. An incorrectly rated Edge may be wasting your money.
• Your location is a factor – Living in less populated areas is a positive aspect when shopping for auto insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. People who live in big cities tend to have congested traffic and longer commute times. Higher commute times means a statistically higher chance of an accident.

• Loss statistics for a Ford Edge – Companies use claims history when setting premium prices. Models that are shown to have a trend towards higher claim severity or frequency will cost more for specific coverages.

  The table shown below demonstrates the insurance loss data used by companies for Ford Edge vehicles. For each type of coverage, the statistical loss for all vehicles compiled together is set at 100. Values under 100 are indicative of better than average losses, while numbers shown that are more than 100 point to more frequent losses or an increased chance of larger losses than average.

  
  

  Ford Edge Insurance Loss Statistics

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Ford Edge 4dr 2WD	53		93
  Ford Edge 4dr 4WD	71		108	75

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Do I need an agent?

Some consumers just prefer to sit down and talk to an agent and that can be a smart move Licensed agents will help you protect your assets and help you file claims. An additional benefit of comparing rates online is you may find the lowest rates and still have a local agent. Buying from and supporting local insurance agents is definitely important in Sacramento.

By using this short form, your insurance data gets sent to agents in your area that can provide free Sacramento car insurance quotes to get your business. There is no need to contact any agents as quotes are delivered to the email address you provide. If you have a need to get a rate quote from a specific insurance provider, you would need to visit that company’s website and complete a quote there.

If you want a local agent, it’s helpful to know the different agency structures and how they can write your policy. Insurance policy providers can be classified as either exclusive or independent (non-exclusive). Both can insure your vehicles, but it’s good to learn the subtle differences because it can influence buying decisions.

Independent Agents

Agents that choose to be independent can quote rates with many companies and that gives them the ability to insure through many companies and find the cheapest rate. If prices rise, they simply switch companies in-house and you won’t have to switch agencies. When comparing insurance rates, you absolutely need to include rate quotes from independent agents in order to have the best price comparison.

Featured below is a list of independent insurance agents in Sacramento that can give you rate quotes.

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Exclusive Insurance Agents

These agents can only provide pricing for a single company such as American Family, State Farm, and AAA. They generally cannot compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are trained well on the products they sell and that can be a competitive advantage.

Below is a short list of exclusive agencies in Sacramento that are able to give rate quotes.

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Finding the right insurance agent shouldn’t rely on just the bottom line cost. The answers to these questions are important, too.

• Does the agency have a positive business rating?
• Will a damage claim use OEM or aftermarket replacement parts?
• If your car is in the repair shop, do you have coverage for a rental car?
• Is there a Errors and Omissions policy in force?
• How many years of experience in personal auto insurance do they have?
• Will the quote change when the policy is issued?
• Does the company have a solid financial rating?

After getting positive feedback to any questions you have and a low price estimate, it’s possible that you found an auto insurance agent that is a good match to insure your vehicles.

Why do I need car insurance?

Despite the high insurance cost for a Ford Edge in Sacramento, insuring your vehicle may not be optional for several reasons.

• Most states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability in order to license the 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 you have a lien on your Ford, almost all lenders will make it a condition of the loan that you buy full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Ford at a more expensive rate and force you to reimburse them for the expensive policy.
• Auto insurance protects both your vehicle and your assets. It will also cover many types of medical costs incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of having insurance outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying more than $865 each year so it’s recommended you shop around at every policy renewal to save money.

Cheaper car insurance is a realistic goal

Some car insurance companies do not provide online price quotes and most of the time these smaller providers only sell coverage through local independent agencies. Lower-priced Ford Edge insurance in Sacramento is attainable online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection.

As you restructure your insurance plan, never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best possible price while still protecting your assets.

More resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance for a Ford Explorer in Sacramento? (FAQ)
• How Much are Auto Insurance Rates for Good Students in Sacramento? (FAQ)
• Senior Drivers (Insurance Information Institute)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Comprehensive Coverage (Liberty Mutual)