Auto Insurance Rates for a Ford Edge in Los Angeles

If you’re trying to find lower-priced insurance on the web, are you confused by the number of auto insurance choices available to you? California vehicle owners have so many choices that it is a difficult challenge to find the lowest price for Ford Edge insurance in Los Angeles. Lots of people think Los Angeles is an awesome place to live, but high auto insurance prices can make it difficult for lots of drivers to be able to afford adequate auto insurance coverage limits.

Unimaginable but true, most auto insurance customers have purchased from the same company for at least the last four years, and practically 40% of auto insurance customers have never shopped around. Most drivers in Los Angeles can save hundreds of dollars each year by just comparing rate quotes, but they think it’s difficult to compare rates online.

You should make it a habit to compare premium rates at least once a year since prices go up and down regularly. Even if you think you had the best rates on Ford Edge insurance in Los Angeles last year other companies may now be cheaper. There are a lot of ways to save on Edge insurance on the web, but by reading this article, you’re going to learn the best ways to save money.

All major insurance companies such as State Farm, GEICO and Progressive provide prices for coverage from their websites. Doing online quotes for Ford Edge insurance in Los Angeles can be done by anyone as all you need to do is type in the amount of coverage you want as requested by the quote form. After the form is submitted, the system automatically retrieves credit information and your driving record and provides a quote based on many factors.

Being able to quote online for Ford Edge insurance in Los Angeles streamlines rate comparisons, and it’s very important to compare as many rates as possible in order to get affordable rates.

In order to compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you duplicate the coverage information exactly as shown on your declarations page. Doing this assures you’re receiving comparison quotes for similar insurance coverage.

The companies shown below are ready to provide free rate quotes in California. If more than one company is shown, we suggest you visit two to three different companies to get a more complete price comparison.

Ford Edge coverage statistics

The premium information shown next showcases estimates of rate quotes for Ford Edge models. Having a better understanding of how insurance policy premiums are calculated is important to be able to make informed decisions.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific garaging location which can affect auto insurance rates substantially.

Policy deductibles

When comparing auto insurance rates, the most common question is how high should your deductibles be. The tables below show how much more rates are when you select higher and lower coverage deductibles. The first data table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in garaging location in Los Angeles which can influence insurance rates considerably.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $43 more each month or $516 annually than quoting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 21 months between claim filings, you would come out ahead by going with a higher deductible.

How much more does full coverage cost?

The example below visualizes the comparison of Ford Edge car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rate quotes are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Should you buy full coverage or liability only?

There is no written rule for dropping physical damage insurance, but there is a general convention. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Ford Edge replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 a year for full coverage, then you might want to consider buying only liability coverage.

There are a few cases where dropping full coverage is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Why you need insurance

Even though it can be expensive, buying insurance serves an important purpose.

• Almost all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a loan, most banks will force you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Ford at a much higher rate and require you to fork over a much higher amount than you were paying before.
• Insurance protects not only your car but also your assets. It will also reimburse you for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of buying insurance outweigh the cost, especially with large liability claims. An average driver in America overpays as much as $810 a year so compare quotes from several companies at least once a year to save money.

Discounts mean cheaper rates for Ford Edge insurance in Los Angeles

Insuring your vehicles can cost a lot, but there could be significant discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but some must be requested specifically before they will apply.

• Life Insurance – Some insurance companies give a lower price if you buy life insurance from them.
• Professional Memberships – Being in a professional or civic organization could earn you a nice discount when shopping for insurance.
• Low Miles Discount – Driving less may enable drivers to earn cheaper prices.
• Safety Course Discount – Taking time to complete a course teaching driver safety skills can save you 5% or more if your company offers it.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
• Discounts for Responsible Drivers – Accident-free drivers can save as much as half off their rates compared to rates paid by drivers with frequent claims.
• Use Seat Belts – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Los Angeles Homeowners Discount – Simply owning a home may earn you a small savings because it means you have a higher level of financial diligence.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

The diagram below visualizes the comparison of Ford Edge auto insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, no claims or driving citations, 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, homeowner, marriage, claim-free, multi-car, and multi-policy discounts applied.

The best insurance companies and a selection of discounts are outlined below.

• GEICO has savings for military active duty, defensive driver, seat belt use, anti-lock brakes, membership and employees, and good student.
• Auto-Owners Insurance may offer discounts for company car, student away at school, paid in full, safe vehicle, teen driver, and group or association.
• American Family includes discounts for early bird, TimeAway discount, multi-vehicle, Steer into Savings, good student, air bags, and bundled insurance.
• Esurance policyholders can earn discounts including DriveSense, good student, homeowner, anti-lock brakes, anti-theft, online quote, and Pac-12 alumni.
• Progressive discounts include online signing, continuous coverage, good student, multi-vehicle, homeowner, online quote discount, and multi-policy.
• State Farm has discounts for multiple policy, Steer Clear safe driver discount, good student, student away at school, and defensive driving training.
• AAA may include discounts for good driver, good student, AAA membership discount, anti-theft, multi-car, multi-policy, and education and occupation.

If you are trying to find inexpensive Los Angeles auto insurance quotes, ask each company which discounts can lower your rates. Some credits may not apply to policyholders in your state. To choose insurers with the best discounts in California, click here.

When should I talk to an insurance agency?

A lot of people still prefer to buy from a licensed agent and often times that is recommended One of the benefits of getting free rate quotes online is that you can find cheap insurance rates and still buy from a local agent.

To make it easy to find an agent, after completing this simple form, the quote information is sent to participating agents in Los Angeles who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own because prices are sent instantly to you. Get lower rates and an insurance agent to talk to. If you want to quote rates from one company in particular, you can always jump over to their website to submit a rate quote request.

Deciding on an company needs to be determined by more than just the premium amount. Here are some questions you might want to ask.

• Does the agent help file claims?
• Do they carry Errors and Omissions coverage?
• Do they have designations such as AIC, CPCU, or CIC?
• Do you qualify for any additional discounts?
• Where would glass claims be handled in Los Angeles?
• Does the company allow you to choose your own collision repair facility?
• Is the coverage adequate for your vehicle?
• Do you have coverage for a rental car if your vehicle is in the repair shop?

If you want a local Los Angeles insurance agency, you need to know there are two different types of agents that you can select. Insurance agents in Los Angeles are considered either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

These agents work for only one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to place coverage with different providers so always compare other rates. Exclusive agencies are trained well on their company’s products and that enables them to sell even at higher rates. Drivers often buy from exclusive agents mainly due to high brand loyalty rather than low price.

Listed below are Los Angeles exclusive agents who can help you get rate quotes.

• Helen Lee – State Farm Insurance Agent
  2535 W Olympic Blvd – Los Angeles, CA 90006 – (213) 738-0700 – View Map
• Allyson Weber – State Farm Insurance Agent
  1063 Colorado Blvd – Los Angeles, CA 90041 – (323) 258-5801 – View Map
• Sean Kim – State Farm Insurance Agent
  2727 W Olympic Blvd #102 – Los Angeles, CA 90006 – (213) 480-3377 – View Map

More Los Angeles agents

Independent Insurance Agencies

These type of agents are normally appointed by many insurers and that enables them to quote your coverage through many different insurance companies and get you the best rates possible. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency. When comparing insurance rates, you absolutely need to include several independent agencies to have the most options to choose from. Most can insure with less well-known companies that many times have cheaper rates.

Shown below are Los Angeles independent insurance agencies that are able to give comparison quotes.

• Lewis and Lewis Insurance Agency, Inc.
  11900 W Olympic Blvd #475 – Los Angeles, CA 90064 – (800) 966-6830 – View Map
• Sean Paul Insurance Agency
  3101 Silver Lake Blvd – Los Angeles, CA 90039 – (323) 667-9180 – View Map
• Choice Insurance Agency
  1601 S La Brea Ave – Los Angeles, CA 90019 – (323) 933-9888 – View Map

More Los Angeles agents

Car insurance policy coverages for a Ford Edge

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage will pay to fix damage to your Edge from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible on your Edge to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a bird and falling objects. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as X-ray expenses, chiropractic care and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverages

This coverage will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 which means $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability insurance covers things such as legal defense fees, medical services, bail bonds and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry more coverage.

The illustration below shows why buying low liability limits may not be high enough to adequately cover claims.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Ford Edge.

Due to the fact that many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Cheaper rates are available

Drivers switch companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, extreme rates for teen drivers or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right insurance provider is actually quite simple.

Discount Ford Edge insurance in Los Angeles can be bought online and with local Los Angeles insurance agents, so get free Los Angeles auto insurance quotes from both of them to get a complete price analysis. Some insurance companies do not provide rate quotes online and usually these small, regional companies prefer to sell through independent insurance agents.

We just covered many ideas to shop for Ford Edge insurance online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising.

More tips and info about insurance can be found in the articles below:

• Comprehensive Coverage (Liberty Mutual)
• Who Has the Cheapest Auto Insurance for Veterans in Los Angeles? (FAQ)
• Who Has Affordable Los Angeles Car Insurance Quotes for College Students? (FAQ)
• How Much is Los Angeles Auto Insurance for High Risk Drivers? (FAQ)
• Who Has the Cheapest Los Angeles Car Insurance Rates for a Ford Explorer? (FAQ)
• Who Has Cheap Auto Insurance for Police Officers in Los Angeles? (FAQ)
• How Much is Los Angeles Auto Insurance for a Ford F-150? (FAQ)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Things to Know Before you Cancel Insurance (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Institute)