Buying the best cheap auto insurance for a Ford Edge in Arizona is pretty easy for most people to do, but it is dependent upon a lot of things such as whether you own a home, the condition of your credit, and citations or violations on your driving record. Arizona drivers will pay around $701 a year for Edge insurance, but that amount is an approximation calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
There’s a high likelihood you aren’t exactly 50 years old or even a female, single instead of married, and you may just want the cheapest liability coverage you can find. This example demonstrates why the best way to find affordable rates for your Ford is to do a thorough rate comparison. Compare rate quotes now and you can get rates from the best companies in Arizona.
Cheapest Ford Edge Insurance Rates
The trim level of your vehicle tends to have a direct effect on the annual cost of coverage, so the price you will pay to insure a Edge SE 2WD will be $114 less than the price to insure the higher-priced Edge Sport AWD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $126 | $214 | $282 | $16 | $84 | $722 | $60 |
| Edge SE AWD | $126 | $262 | $282 | $16 | $84 | $770 | $64 |
| Edge SEL 2WD | $126 | $262 | $282 | $16 | $84 | $770 | $64 |
| Edge Limited 2WD | $126 | $262 | $282 | $16 | $84 | $770 | $64 |
| Edge SEL AWD | $126 | $262 | $282 | $16 | $84 | $770 | $64 |
| Edge Limited AWD | $146 | $308 | $282 | $16 | $84 | $836 | $70 |
| Edge Sport 2WD | $146 | $308 | $282 | $16 | $84 | $836 | $70 |
| Edge Sport AWD | $146 | $308 | $282 | $16 | $84 | $836 | $70 |
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in zip code location which can modify premiums significantly.
Deciding which company offers the best car insurance rates for a Ford Edge will require a bit more work in order to find the best price.
Every auto insurer uses a little different formula to determine rates, so we’ll take a look at the car insurance companies that tend to have lower prices in Chandler, AZ. It’s a good idea to know that Chandler car insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. Getting older, buying a new vehicle, or having an at-fault accident can trigger changes in premium resulting in some companies being much cheaper than others.
Compare Cheap Insurance Quotes for Your Edge
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,152 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,245 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,350 |
| 16 | American Family | $1,435 |
| 17 | Titan | $1,461 |
| 18 | Amica | $1,473 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,551 |
| Get Personalized Rates Go | ||
The Hartford may offer some of the cheapest car insurance rates in Chandler at around $820 annually. Auto-Owners, Safeco, Travelers, and USAA also are some of the best Chandler, AZ auto insurance companies.
As depicted above, if you are a policyholder with Auto-Owners and switched to The Hartford, you could realize annual savings of around $95. Arizona drivers with Safeco could save as much as $112 a year, and Travelers customers might reduce rates by $266 a year.
These rates are averaged across all insureds and vehicles and do not factor in a specific zip code for a Ford Edge. So the auto insurance company that has the lowest price for you may not even be in the top 28 companies in the list above. That underscores the importance of why you need to get rate quotes using your own personal information and vehicle type.
The illustration below illustrates how your deductible choice can increase or decrease annual premium costs when trying to find cheap insurance for a Ford Edge. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
As shown above, a 30-year-old driver could lower their policy premium by $274 a year by switching from a $100 deductible up to a $500 deductible, or save $412 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could possibly save as much as $584 or even more by using a higher deductible.
If you do raise deductibles, it’s a good idea to have additional savings on hand to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Car insurance rates are higher with tickets and accidents
One of the best ways to earn the cheapest car insurance rates in Arizona for an Edge is to drive attentively and maintain a clean driving record. The example below shows how speeding tickets and at-fault collisions can affect annual premium costs for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of an auto insurance policy in Arizona per year with a clean driving record and no accidents is $2,076. Add in two speeding tickets and the average cost jumps to $2,801, an increase of $725 each year. Now include one accident along with the two speeding tickets and the 12-month cost of car insurance for a Ford Edge increases to an average of $3,540. That’s an increase of $1,465, or $122 per month, just for not being a responsible driver!
How to find economical auto insurance for a Ford Edge
Lowering your rates is not difficult, and here are many thrifty solutions that can help Chandler drivers locate more affordable coverage.
- Frequent claims will increase rates
- Avoid accidents
- Bundle car and home insurance and save money
- Drive safe vehicles
- Avoid speeding and other traffic citations and pay less
- Compare rates regularly to ensure the best deal
The last suggestion is particularly vital, as we hit on in the prior information. Prices in Chandler change constantly, so drivers shouldn’t be reluctant to buy from a different company if a better deal can be had.
Many consumers stick with the same company and that’s fine, but it’s not a great idea if your bullheadedness ends up costing you a small fortune year after year. If you have a few minutes, compare prices and find cheaper auto insurance for a Ford Edge.
The agents listed below can answer your questions and help you decide which coverages are best, since many consumers aren’t sure which coverage to buy and prefer to get help from a professional when trying to find the best insurance rates for a Ford Edge. It can be complicated to do it yourself, so a licensed agent can provide you comfort knowing your coverage gives you sufficient protection if you have a claim. To find a Chandler insurance agency nearest to you, click the link at the bottom or click here to compare price quotes.
Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515
Farmers Insurance: Mike Canez
381 N Arizona Ave – Chandler, AZ 85225 – (480) 786-5302
Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846
Allied Insurance Group
2231 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 634-5222
Scott Thomas – State Farm Insurance Agent
950 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 782-0100