Finding cheaper insurance for a Ford Edge in California doesn’t take too much effort, but it hinges on many rating criteria such as your age, where your vehicle is garaged, and citations or violations on your driving record. Drivers in California pay approximately $1,042 a year for Edge insurance, but that price is an estimation based on a 30-year-old married male driver with full coverage and $1,000 deductibles.
But there is a good chance that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you just want liability only instead of full coverage. Auto insurance requires individual risk assessment, so the best method for finding the cheapest rates for your Ford is to do a thorough rate comparison. Quotes only take a couple of minutes and you can get prices from some of the best insurers around.
Vehicle trim level tends to impact the cost of coverage, so the rate you will pay to insure a Edge SE 2WD will be $154 lower than the price to insure the high end Edge Sport AWD version, as shown by the rates below.
|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|
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in garaging location in Riverside which can influence price quotes significantly.
Selecting the right car insurance provider can be difficult considering how many choices you have in Riverside. The information shown next can help you select which auto insurers to look at comparing rates from.
The ratings below are only made up of companies who write in the majority of U.S. states, so companies that have a smaller presence will not be included in these rankings. If you wish to compare prices from these top insurers and more, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Riverside insurance rates
Insurance companies that provide coverage for a Ford Edge may additionally offer premium discounts that could potentially reduce rates by as much as 35% if you are eligible to receive them. A few of the larger companies and their possible discounts are detailed below.
- Progressive may include discounts for homeowner, good student, online signing, multi-vehicle, and continuous coverage.
- AAA offers discounts for good student, multi-car, AAA membership discount, anti-theft, good driver, pay-in-full, and education and occupation.
- Farmers Insurance includes discounts for good student, multi-car, switch companies, youthful driver, mature driver, homeowner, and bundle discounts.
- GEICO offers discounts including air bags, military active duty, membership and employees, anti-theft, multi-policy, defensive driver, and daytime running lights.
- Esurance policyholders can earn discounts including online quote, renters, anti-theft, claim free, good driver, and paid-in-full.
- SAFECO may offer discounts for multi-car, safe driver, teen safe driver, bundle discounts, and anti-theft.
- State Farm may have discounts that include driver’s education, accident-free, safe vehicle, defensive driving training, good student, Steer Clear safe driver discount, and good driver.
The diagram below visualizes the comparison of car insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, claim-free, anti-theft, marriage, accident-free, and multiple vehicle discounts applied. When taking advantage of discounts, theamount saved on car insurance for a Ford Edge is 28% or $897.
Violations and accidents raise rates
The recommended way to obtain the cheapest car insurance rates for an Edge is to drive safe and not have accidents or get tickets. The example below demonstrates how traffic citations and at-fault fender-benders can impact yearly insurance costs for different ages of insureds. The data assumes a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of car insurance per year with no violations or accidents is $2,051. Factor in one speeding ticket and the average cost jumps to $2,362, an increase of $310 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Ford Edge increases to an average of $5,175. That’s an increase of $3,123, or $260 per month, just for not keeping your driving record clean!
Compare rates to save
Riverside car insurance rates are based on many factors that control the cost of your policy. Improving your credit score, having a teen driver, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being more affordable than competitors. Not only may your risk profile change, but auto insurance companies change their prices as often as every three months in order to remain profitable. Higher than normal claims may cause additional premium costs, while less frequent claims may result in lower-priced Edge insurance rates.
For example, the bar chart below shows the cheapest car insurance in Riverside, CA for a 40-year-old female driver with no violations or accidents, and great credit. If we estimate prices based on her current situation, USAA may have the most affordable car insurance rates in Riverside at $1,280 per year. This is $371 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remaining cheapest Riverside, CA auto insurance companies.
Let’s now give the driver from the first rate comparison a claim, a lower credit rating, and an imperfect driving record. Due to the fact that every insurance company has a different formula for filing rates in each state, comparing insurance quotes may now result in a completely different list of the cheapest car insurance companies in Riverside as shown below.
Grange now has the cheapest car insurance in Riverside, CA with Mercury, GEICO, Allstate, and Allied now rounding out the top five. This illustrates why consumers need to take the time to take the time to shop around when trying to find the most economical auto insurance quotes for a Ford Edge. Prices are influenced by many factors and can change substantially, so the most economical company the last time you compared rates may now be quite expensive.
How to find the cheapest car insurance for a Ford Edge
It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help you find cheap auto insurance.
- Ensure your driving record is clean
- Avoid filing small claims
- Remain accident-free and save
- Increase deductibles to save money
- Assess whether full coverage is needed
- Comparison shop at least every other year
That last tip is certainly valuable, as we pointed out in the prior information. Prices charged by companies in Riverside change constantly, so you should be ready to switch carriers if a lower price can be found. Brand loyalty is not necessarily bad, but it’s not recommended if that loyalty ends up costing potentially thousands of dollars a year. Now is a great time to shop around to find cheaper auto insurance for a Ford Edge.
The Riverside car insurance agencies listed below can provide answers to your questions and help you determine which auto insurance policy would work best for you, since lots of drivers aren’t clear which coverage they need and would like to get help from a professional when trying to find the best insurance rates for a Ford Edge. It can be complicated to find coverage yourself, so a licensed agent can provide you comfort knowing you have sufficient coverage for your assets.
To find an agent using an interactive map, click the button following the list.
- Joseph Insurance Services
3694 Sunnyside Dr – Riverside, CA 92506 – (951) 683-0777
- Allstate Insurance: Kenneth Munaretto
3271 Arlington Ave – Riverside, CA 92506 – (951) 369-0277
- TNT Only 1 Insurance Agency
19510 Van Buren Boulevard – Riverside, CA 92508 – (888) 610-8865
- Farmers Insurance – Carl Couey
6670 Alessandro Blvd f – Riverside, CA 92506 – (951) 780-6660