If you want to find the absolute lowest rates, then the best way to find affordable Ford Edge insurance is to compare quotes annually from different companies that sell auto insurance in Mesa. This can be done by following these steps.
First, spend some time learning about what coverages are included in your policy and the modifications you can make to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as high-risk driving behaviors and a negative credit history can be rectified by making minor changes in your lifestyle. This article provides more ideas to get affordable coverage and earn a bigger discount.
Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices for a wide range of insurance providers.
Third, compare the price quotes to your existing rates to see if a cheaper rate is available in Mesa. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
Fourth, notify your agent or company to cancel your current auto insurance policy. Submit a completed policy application and payment to your new carrier. Immediately upon receiving it, place the new proof of insurance certificate in an accessible location in your vehicle.
The key aspect of shopping around is to make sure you’re comparing similar coverage information on every quote request and and to analyze as many companies as you can. Doing this helps ensure a fair rate comparison and a complete price analysis.
Everyone knows that auto insurance companies don’t want policyholders to compare prices from other companies. People who compare rates annually will presumably buy a different policy because there is a good probability of finding a more affordable policy. A recent study showed that drivers who faithfully checked for cheaper rates saved as much as $3,400 over four years compared to policyholders who never shopped around.
If saving money on insurance in Mesa is your goal, then having some knowledge of the best ways to find and compare coverages can save time and make the process easier.
Companies offering low-cost Ford Edge rates in Mesa, AZ
The car insurance companies shown below are ready to provide price quotes in Mesa, AZ. If you want to find cheap auto insurance in Arizona, we recommend you visit as many as you can to get a more complete price comparison.
Ford Edge coverage analysis
The rate table displayed below highlights detailed analysis of coverage costs for Ford Edge models. Knowing how auto insurance policy rates are determined can help you make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $122 | $232 | $362 | $22 | $108 | $846 | $71 |
| Edge SE AWD | $122 | $282 | $362 | $22 | $108 | $896 | $75 |
| Edge SEL 2WD | $122 | $282 | $362 | $22 | $108 | $896 | $75 |
| Edge Limited 2WD | $122 | $282 | $362 | $22 | $108 | $896 | $75 |
| Edge SEL AWD | $122 | $282 | $362 | $22 | $108 | $896 | $75 |
| Edge Limited AWD | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Edge Sport 2WD | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Edge Sport AWD | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in Mesa location which can change prices greatly.
The illustration below highlights how deductible selection and can increase or decrease Ford Edge annual premium costs for each different age group. The price estimates are based on a single female driver, full coverage, and no policy discounts are applied.
Bad driving habits will cost you more
The illustration below shows how violations and accidents can raise Ford Edge auto insurance costs for different age groups. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Insurance Price Influencing Factors
One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help calculate your premiums. If you have some idea of what impacts premium levels, this enables informed choices that may result in better insurance rates. Many things are considered when you get your auto insurance bill. A few of the factors are predictable like your driving record, although some other factors are more obscure such as whether you are married or your commute time.
Cars with good safety ratings cost less to insure – Vehicles with high crash test scores tend to have lower insurance rates. Safe vehicles reduce injuries and fewer serious injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If the Ford Edge is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
Avoid unnecessary extra coverages – There are quite a few add-on coverages that you can get tricked into buying on your insurance policy. Things like coverage for rental cars, better glass coverage, and membership fees may be wasting your money. They may seem like a good idea at first, but your money might be better spent on other coverage so eliminate them to save money.
Insurance is expensive for teen drivers – Drivers with little experience have a tendency to be easily distracted when at the wheel of a vehicle so they pay higher insurance rates. If you’ve ever had to add a youthful driver to your policy can be quite pricey. Older insureds are proven to be safer behind the wheel, file fewer claims, and get fewer tickets.
The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Married people drive safer – Having a significant other may save some money on your insurance bill. Having a significant other means you’re more mature than a single person and statistics show married drivers get in fewer accidents.
Never allow your insurance policy to lapse – Driving your car without having proper coverage is a misdemeanor and companies may charge more for letting your insurance lapse for non-payment. And not only will your rates increase, the inability to provide proof of insurance could earn you a license revocation or jail time. You may have to provide proof of insurance in the form of an SR-22 filing with the Arizona department of motor vehicles.
Prevent theft and save – Owning a car with advanced anti-theft systems can earn a premium discount. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.
Insurance losses for a Ford Edge – Auto insurance companies analyze the history of losses in order to profitably underwrite each model. Models that tend to have a trend towards higher claim severity or frequency will have higher premium rates. The table below outlines the loss history for Ford Edge vehicles.
For each policy coverage, the loss probability for all vehicles, regardless of make, model or trim level, is represented as 100. Percentage values below 100 mean the vehicle has better than average losses, while values that are above 100 point to more frequent losses or a tendency for claims to be larger.
| Vehicle 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Get discounts on Mesa insurance
Companies don’t list every policy discount very well, so the next list breaks down some of the best known as well as some of the hidden insurance savings.
- Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
- Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 25 to 30%.
- Discounts for Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
- Good Students Pay Less – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
- Defensive Driver Discounts – Successfully completing a course teaching driver safety skills can save you 5% or more and easily pay for the cost of the class.
It’s important to understand that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount should help lower your premiums.
The information below shows the difference between Ford Edge insurance rates with and without discounts applied to the policy rates. The premiums assume a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, safe-driver, and homeowner discounts applied.
Car insurance companies that may include most of these discounts are:
Double check with every company which discounts can lower your rates. Some discounts might not apply in your area. To see a list of companies that offer the discounts shown above in Arizona, follow this link.
Compare rate quotes but buy from a neighborhood Mesa auto insurance agent
Many people still prefer to sit down with an agent and that is not a bad decision The best thing about comparing rate quotes online is that you can find cheaper premium rates and still buy from a local agent. Supporting local agents is important especially in Mesa.
After completing this quick form, your information is sent to agents in your area who will give competitive quotes for your auto insurance coverage. You don’t have to even leave your home since rate quotes are delivered immediately to you. Get lower rates and an insurance agent to talk to. If you need to quote rates from a specific company, don’t hesitate to search and find their rate quote page and submit a quote form there.
Finding the right provider requires more thought than just a cheap price quote. You should also get answers to these questions.
- How long has their agency been in business in Mesa?
- How does the company pay claims for a total loss?
- Are they able to provide referrals?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Can you use your own choice of collision repair facility?
Arizona car insurance company ratings
Choosing the top insurer is difficult considering how many companies provide coverage in Mesa. The ranking information displayed below may help you analyze which providers to look at comparing rate quotes with.
Top 10 Mesa Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Mesa Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
In Summary
Affordable Ford Edge insurance in Mesa is possible both online and from local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and these small, regional companies provide coverage only through local independent agents.
When getting Mesa car insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.
Drivers leave their current company for many reasons like poor customer service, delays in paying claims, policy non-renewal or even high rates after DUI convictions. It doesn’t matter why you want to switch finding a new company can be pretty painless.
More articles
- Help Your Teen Be a Better Driver (State Farm)
- Who Has Cheap Mesa Car Insurance for Handicapped Drivers? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 25 in Mesa? (FAQ)
- Who Has Cheap Auto Insurance Quotes for High Mileage Drivers in Mesa? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)