Ford Edge insurance rates image courtesy of QuoteInspector.com
Finding cheap auto insurance for a Ford Edge in Arizona doesn't take a lot of effort, but it relies on many rating criteria such as how many miles you drive each year, where you live, and any driving offenses on your record. Drivers in Arizona pay around $701 each year for Edge insurance, but that cost is a projection calculated based on a 50-year-old married female driver with full physical damage coverage and $500 deductibles.
The problem with using this number is the good chance you are not 50 and maybe not even a female, single instead of married, or maybe your Edge doesn't need full coverage. Having different needs demonstrates why the only way to find cheap insurance prices for your Ford is to do a thorough rate comparison.
The specific model of Edge will most likely have an effect on the cost of coverage, so the price to insure a Edge SE 2WD will be $114 lower than the price to insure the fancier Edge Sport AWD version, as demonstrated by 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 claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in garaging location in Tucson which can lower or raise insurance rates substantially.
Finding low-cost auto insurance is difficult, and deciding which companies quote the lowest-priced car insurance rates for a Ford Edge requires even more diligence.
Every insurance provider has a proprietary method to set policy rates, so let's begin by taking a look at the car insurance companies that tend to have lower prices in Arizona. Keep in mind that Tucson car insurance rates are impacted by many things which can substantially decrease or increase your annual premium. This price fluctuation is why Tucson drivers need to compare rates to get cheap insurance quotes for a Ford Edge. Insurance prices can be altered by many different factors and can decrease or increase without notice, so the most affordable company when you last compared rates may now be priced much higher than other options.
Compare Cheap Insurance Quotes for Your Edge
The Hartford quotes some of the cheapest car insurance rates in Tucson at around $820 per year. Safeco, Auto-Owners, USAA, and Progressive are also some of the more affordable Tucson, AZ car insurance companies.
As shown in the rates above, if you currently buy coverage from USAA and switched to Safeco, you may see an annual premium reduction of approximately $175. Customers with Progressive may save as much as $213 a year, and Travelers insureds might lower prices by up to $214 a year.
These premium estimates are averaged across all ages of drivers and types of vehicles and do not factor in a specific location for a Ford Edge. So the company that can offer you the best price may not even be in the top 28 companies shown above. That illustrates why you need to get car insurance quotes using your own driver data and vehicle information.
Safe drivers pay less for car insurance
The easiest method to earn the cheapest car insurance prices in Arizona for an Edge is to be a safe driver and avoid tickets and accidents. The information below demonstrates how traffic citations and at-fault claims can increase annual premium costs for different ages of insureds. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of auto insurance in Tucson per year with no accidents and a clean driving record is $1,247. Get two speeding tickets and the average cost jumps to $1,710, an increase of $463 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for a Ford Edge goes up to an average of $2,188. That's an increase of $941, or $78 per month, just for not being a responsible driver!
The diagram below highlights how deductible selection can influence insurance costs when getting quotes for cheap insurance for a Ford Edge. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
A 40-year-old driver could pocket $276 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $416 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could potentially save up to $684 or even more by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it will be required to have additional funds in a savings account to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Why you are probably overpaying for Edge insurance
Arizona car insurance rates are impacted by many factors which can significantly increase or decrease your annual premium. Getting older, having a teen driver, or getting a couple of tickets can trigger rate changes that may make certain companies cheaper than others. Not only may your risk profile change, but auto insurance companies change the rates they charge in Arizona at least once a year to ensure their profitability. Significantly higher losses can result in a rate increase, while a better claims history can result in more affordable Edge insurance rates.
For instance, the data below shows the company with the cheapest car insurance in Tucson, AZ for a 35-year-old female driver with no prior claims, no tickets, and good financial standing. When quoting prices based on her current rating profile, The Hartford offers the most affordable car insurance rates in Tucson at $1,062 annually. This is $366 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the most affordable Tucson, AZ auto insurance companies.
Let's now give the driver from above an at-fault accident, poor credit, and a speeding ticket. Since every car insurance company uses their own formula for filing rates in each state, comparing prices may now result in a slightly different list of the cheapest companies as shown below.
GEICO now has the lowest price on auto insurance in Tucson, AZ with Ameriprise Group, CSAA, Allied, and Safeco now rounding out the top five. This shows why it is important to perform an extensive rate comparison to get the best insurance quotes for a Ford Edge. Auto insurance prices are impacted by many factors and can decrease or increase without notice, so the most economical company two years ago may now be an over-priced policy.
Ideas to find low-cost insurance for a Ford Edge
The list below details a few money-saving ideas that can help you buy cheaper car insurance.
- Ensure your driving record is clean
- Drop full coverage on older vehicles
- Accident-free drivers may qualify for discounts
- Avoid price increases by not filing claims
- Higher deductibles save money
- Compare rates often to find the best deal
The final tip is incredibly crucial, as we discussed in this piece. Insurance prices fluctuate constantly, so drivers shouldn't be reluctant to change insurance companies if a more affordable rate is found. Staying with the same car insurance company is fine, but it isn't a good idea if that stubbornness costs you a considerable chunk of change every month. It takes less than five minutes to compare rates and find cheaper car insurance for a Ford Edge in Tucson.
If you like to get some guidance when buying car insurance for a Ford Edge, the insurance agencies below can most likely aid you in deciding which policy is best.
To locate a Tucson auto insurance agent closest to you, click the button at the bottom or click here to compare prices now.
- Clements
6245 E Broadway BlvdSte 310 - Tucson, AZ 85711 - (520) 624-3456 - Allstate Insurance: David Mahony
5831 E Speedway Blvd - Tucson, AZ 85712 - (520) 721-9355 - Leavitt Group - Koty-Leavitt Insurance Agency
6992 E Broadway Blvd - Tucson, AZ 85710 - (520) 571-1900 - Oasis Insurance
405 E Wetmore Rd g115 - Tucson, AZ 85705 - (520) 888-5000