Find Affordable Ford Edge Insurance in San Jose

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A recent insurance study revealed that the vast majority of insurance customers in California kept buying from the same company for over three years, and just under half have never compared rates from other carriers. American consumers could save roughly 46.5% each year by just comparing quotes, but they just don't want to shop around.

Insurance rates Ford Edge in San JoseIt takes a little time, but the best way to get more affordable Ford Edge insurance in San Jose is to start doing a yearly price comparison from providers who can sell car insurance in California. You can compare prices by following these guidelines.

First, read about how insurance companies determine prices and the things you can control to lower rates. Many risk factors that cause rate increases like speeding tickets, accidents and bad credit can be remedied by making minor changes to your lifestyle.

Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO or Allstate, while independent agencies can provide rate quotes for a wide range of companies.

Third, compare the new rate quotes to your existing rates to determine if switching companies saves money. If you can save money, ensure coverage does not lapse between policies.

Fourth, give notification to your agent or company of your intention to cancel your existing policy and submit a signed application and payment to the new insurer. Once the paperwork is finalized, store the certificate verifying coverage along with your vehicle registration.

One thing to remember is to make sure you're comparing the same amount of coverage on each price quote and and to get price quotes from as many companies as feasibly possible. This enables an apples-to-apples comparison and a good representation of prices.

If you are already insured, you will surely be able to get lower rates using this information. Finding quotes for the best policy in San Jose can be fairly easy. Although California car owners do need to know how companies calculate your policy premium and use it to your advantage.

Best Ford Edge insurance rates in California

The companies shown below are ready to provide comparison quotes in San Jose, CA. If several companies are displayed, we recommend you visit as many as you can to get the best price comparison.

Rates and data analysis

The coverage information shown next outlines detailed analysis of insurance rates for Ford Edge models. Learning as much as possible about how insurance policy premiums are formulated can benefit drivers when making smart buying decisions.

Ford Edge Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $302 $520 $456 $26 $136 $1,440 $120
Edge SE AWD $302 $632 $456 $26 $136 $1,552 $129
Edge SEL 2WD $302 $632 $456 $26 $136 $1,552 $129
Edge Limited 2WD $302 $632 $456 $26 $136 $1,552 $129
Edge SEL AWD $302 $632 $456 $26 $136 $1,552 $129
Edge Limited AWD $346 $744 $456 $26 $136 $1,708 $142
Edge Sport 2WD $346 $744 $456 $26 $136 $1,708 $142
Edge Sport AWD $346 $744 $456 $26 $136 $1,708 $142
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location information which can modify price quotes greatly.

Deductible analysis

One frequently asked question is how low should you set your deductibles. The comparison tables below highlight the differences in premium rates when you select higher and lower policy deductibles. The first data table uses a $250 deductible and the second pricing table uses a $500 deductible.

Ford Edge insurance rates 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 rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $242 $382 $442 $26 $132 $1,224 $102
Edge SE AWD $242 $464 $442 $26 $132 $1,306 $109
Edge SEL 2WD $242 $464 $442 $26 $132 $1,306 $109
Edge Limited 2WD $242 $464 $442 $26 $132 $1,306 $109
Edge SEL AWD $242 $464 $442 $26 $132 $1,306 $109
Edge Limited AWD $278 $546 $442 $26 $132 $1,424 $119
Edge Sport 2WD $278 $546 $442 $26 $132 $1,424 $119
Edge Sport AWD $278 $546 $442 $26 $132 $1,424 $119
Get Your Own Custom Quote Go

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

Based on this data, using a $250 deductible could cost the average driver approximately $16 more each month or $192 each year averaged for all Edge models than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 16 months between claim filings, you would more than likely save some money if you elect the higher deductible.

The illustration below illustrates how your deductible choice and can influence Ford Edge insurance premiums for each age group. The premium estimates are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

How do Insurance Providers Determine Ford Edge Insurance Premiums?

Multiple criteria are part of the equation when quoting car insurance. Some are obvious such as traffic violations, but some are more obscure like your vehicle usage or how safe your car is.

When should you file a claims? - Companies in California provide better rates to insureds who are claim-free. If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

More policies can equal more savings - The majority of car insurance companies will award lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, drivers will still want to shop around to guarantee you are still saving the most.

Lower rates come with age - Teenage drivers in California tend to get distracted easily when at the wheel of a vehicle so car insurance rates are higher. Mature drivers have been proven to be more responsible, file fewer claims, and receive fewer citations.

The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Better credit means lower prices - Having a bad credit score is a big factor in determining premium rates. If your credit history is lower than you'd like, you could pay less to insure your Ford Edge by spending a little time repairing your credit. Consumers who have good credit tend to file fewer claims and have better driving records than drivers who have lower ratings.

Advanced theft deterrents - Purchasing a vehicle with an alarm system can save you a little every year. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft.

More miles driven equals more premium - The higher the mileage driven every year the higher your rates will be. The majority of insurers calculate prices based upon how much you drive. Vehicles that sit idle most of the time can get a lower rate than cars that get driven a lot. It's a good idea to make sure your car insurance coverage states the right rating data, because it can save money. A policy that improperly rates your Edge can result in significantly higher rates.

High physical damage deductibles lower costs - Insurance for physical damage to your car, also called 'full coverage', covers damage that occurs to your Ford. Some examples of claims that would be covered could be running into the backend of another car, flood damage, and damage from a fallen tree branch. Your deductibles tell how much you are required to spend out-of-pocket if the claim is covered. The more expense you are required to pay out-of-pocket, the lower your rates will be.

Men pay higher costs - Over the last 30 years, statistics show that females take fewer risks when driving. Now that doesn't mean women are better drivers. Both genders are in auto accidents in similar numbers, but guys have accidents that have higher claims. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).

The diagram below shows the comparison of Ford Edge insurance costs for male and female drivers. The premiums assume no violations or claims, comp and collision included, $500 deductibles, single status, and no discounts are applied to the premium.

Loss probability for a Ford Edge - Insurers analyze claim trends for every vehicle when determining insurance rates. Vehicles that the data determines to have a trend towards higher claim severity or frequency will have higher rates. The table below illustrates the collected loss data for Ford Edge vehicles.

For each policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Percentage numbers below 100 suggest losses that are better than average, while values that are above 100 point to more losses or tendency to have larger claims.

Insurance Loss Ratings for Ford Edge Vehicles
Vehicle 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper San Jose auto insurance quotes with discounts

Car insurance companies don't list every discount they offer in a way that's easy to find, so the next list breaks down a few of the more well known and the more hidden ways to save on auto insurance.Auto insurance discounts

  • Use Seat Belts - Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off the PIP or medical payment premium.
  • Driving Data Discount - Insureds that choose to allow companies to track driving patterns by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
  • Mature Driver Discount - Drivers that qualify as senior citizens could receive a discount up to 10%.
  • Good Drivers - Insureds without accidents may receive a discount up to 45% than drivers with accident claims.
  • Life Insurance Discount - Some insurance companies give a discount if you purchase life insurance from them.
  • Discount for New Cars - Insuring a new Edge may earn a small discount since newer models are generally safer.
  • First Accident Forgiveness - Not a discount per se, but a handful of insurance companies may permit one accident without raising rates if you are claim-free for a certain period of time.
  • Clubs and Organizations - Joining certain professional organizations is a simple method to lower premiums on auto insurance.

One thing to note about discounts is that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Even though it appears all the discounts add up to a free policy, nobody gets a free ride.

The illustration below visualizes the comparison of Ford Edge insurance premiums with and without discounts applied to the rates. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, multi-policy, safe-driver, and claim-free discounts applied.

To see a list of auto insurance companies that provide some of the discounts listed above in San Jose, click here.

What if I want to buy from local San Jose insurance agencies?

Many drivers would prefer to buy from a licensed agent and that is not a bad decision One of the great benefits of price shopping on the web is that drivers can save money and get the best rates and still have an agent to talk to. Supporting local insurance agents is important particularly in San Jose.

San Jose insurance agentsOnce you complete this short form, the quote information is transmitted to local insurance agents who will give you bids for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered immediately to your email address. You'll get the best rates AND a local agent. If you want to compare rates from a particular provider, you just need to visit that company's website and submit a quote form there.

Finding the right company shouldn't rely on just a cheap price. These are valid questions to ask:

  • Is the agent and/or agency licensed to do business in California?
  • Does the agency provide any after hours assistance?
  • Do they get paid more for recommending certain coverages?
  • Do you work with a CSR or direct with the agent?
  • Do they make recommendations based only on price?

If you feel you receive acceptable answers to your questions as well as an affordable premium quote, you may have found an insurance company that is reliable enough to properly insure your vehicles. Just understand that you have the power to terminate your policy whenever you choose to so don't feel you are locked into the insurance policy for the entire policy term.

How do I know if I need professional advice?

When buying coverage for your vehicles, there really isn't a best way to insure your cars. You are unique and your auto insurance should be unique as well.Drive safe and save For instance, these questions can help discover if you would benefit from professional advice.

  • Does insurance cover tools stolen from my truck?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • How many claims can I have before being canceled?
  • Will damage be repaired with OEM parts?
  • Does my policy cover me if I wreck while driving under the influence?
  • How much liability insurance is required?
  • Is business equipment covered while in my vehicle?

If it's difficult to answer those questions, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Quote more and you will save more

Discount Ford Edge insurance in San Jose is definitely available online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not provide price quotes online and most of the time these regional carriers provide coverage only through independent insurance agents.

Throughout this article, we presented many ways to lower your Ford Edge insurance premium rates in San Jose. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with a small mutual company. These companies may often insure only within specific states and give better rates than their larger competitors like State Farm, GEICO and Nationwide.

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