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.

Insurance quote for Ford Edge in SacramentoIf 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.

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.

Ford Edge Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $298 $472 $442 $26 $132 $1,370 $114
Edge SE AWD $298 $576 $442 $26 $132 $1,474 $123
Edge SEL 2WD $298 $576 $442 $26 $132 $1,474 $123
Edge Limited 2WD $298 $576 $442 $26 $132 $1,474 $123
Edge SEL AWD $298 $576 $442 $26 $132 $1,474 $123
Edge Limited AWD $342 $678 $442 $26 $132 $1,620 $135
Edge Sport 2WD $342 $678 $442 $26 $132 $1,620 $135
Edge Sport AWD $342 $678 $442 $26 $132 $1,620 $135
Get Your Own Custom Quote Go

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.

Ford Edge insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $298 $472 $442 $26 $132 $1,395 $116
Edge SE AWD $298 $576 $442 $26 $132 $1,499 $125
Edge SEL 2WD $298 $576 $442 $26 $132 $1,499 $125
Edge Limited 2WD $298 $576 $442 $26 $132 $1,499 $125
Edge SEL AWD $298 $576 $442 $26 $132 $1,499 $125
Edge Limited AWD $342 $678 $442 $26 $132 $1,645 $137
Edge Sport 2WD $342 $678 $442 $26 $132 $1,645 $137
Edge Sport AWD $342 $678 $442 $26 $132 $1,645 $137
Get Your Own Custom Quote Go

Ford Edge insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $184 $298 $442 $26 $132 $1,082 $90
Edge SE AWD $184 $362 $442 $26 $132 $1,146 $96
Edge SEL 2WD $184 $362 $442 $26 $132 $1,146 $96
Edge Limited 2WD $184 $362 $442 $26 $132 $1,146 $96
Edge SEL AWD $184 $362 $442 $26 $132 $1,146 $96
Edge Limited AWD $210 $426 $442 $26 $132 $1,236 $103
Edge Sport 2WD $210 $426 $442 $26 $132 $1,236 $103
Edge Sport AWD $210 $426 $442 $26 $132 $1,236 $103
Get Your Own Custom Quote Go

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.

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.

1610 Arden Way # 121Sacramento, CA 95815(916) 286-5960View Map

813 F StSacramento, CA 95814(916) 387-6800View Map

3840 Rosin Ct #245Sacramento, CA 95834(800) 901-9636View Map

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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.

2840 Del Paso Rd #300Sacramento, CA 95834(916) 575-7600View Map

7485 Rush River Dr #715Sacramento, CA 95831(916) 392-1240View Map

2015 Q StSacramento, CA 95811(916) 760-7858View Map

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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.

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.

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.

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