Car Insurance Quotes for a Ford Edge in Fresno

It takes a little time, but the best way to get low-cost Ford Edge insurance is to compare quotes once a year from providers who sell auto insurance in Fresno.

Step 1: Spend a few minutes and learn about coverages and the steps you can take to drop your rates. Many things that cause rate increases like high-risk driving behaviors and a substandard credit history can be controlled by making lifestyle changes or driving safer. Keep reading for additional tips to prevent expensive rate increases and get bigger discounts that may have been overlooked.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agencies can give you price quotes for many different companies.

Step 3: Compare the quotes to your current policy and determine if there is any savings. If you can save money and buy the policy, verify that coverage does not lapse between policies.

Step 4: Provide notification to your current company of your intent to cancel your current policy and submit payment and a signed application to your new insurance company. When you receive it, safely store the certificate of insurance somewhere easily accessible.

The most important part of this process is to try to use similar deductibles and liability limits on each quote request and and to get price quotes from as many companies as possible. This helps ensure a level playing field and the best price selection.

It’s easy to assume that auto insurance companies don’t want customers comparing rates. People who shop around for cheaper price quotes will most likely buy a different policy because they have good chances of finding a policy with more affordable rates. A survey found that people who shopped around annually saved as much as $860 a year compared to those who never compared other company’s rates.

If finding the best price on auto insurance is the reason for your visit, then understanding how to quote and compare coverages can make the process more efficient.

Comparing rates for affordable policy in Fresno is not as hard as you may think. In essence, every car owner who quotes car insurance stands a good chance to find a lower-cost company. But California consumers must understand the methods companies use to calculate their prices and use it to find better rates.

The are a couple different ways to compare rate quotes from lots of California car insurance companies. The best way to find the cheapest Ford Edge insurance rates is to perform an online rate comparison.

Just remember that comparing more prices will improve the odds of getting a lower rate than you’re paying now. Not every company provides online rate quotes, so it’s recommended that you also compare price quotes from them, too.

The companies shown below are our best choices to provide quotes in California. If your goal is to find the cheapest car insurance in Fresno, we suggest you visit several of them to get the lowest price.

Car insurance analysis for a Ford Edge

The coverage table displayed next showcases detailed analysis of insurance costs for Ford Edge models. Being more informed about how insurance policy rates are determined can help you make smart choices when comparing insurance quotes.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in specific garaging location which can revise insurance rates greatly.

Analysis of deductible levels

One common question asked by Fresno drivers is the level to set your comp and collision deductibles. The comparison tables below show the rate fluctuation between low and high deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in garaging location in Fresno which can change auto insurance rates substantially.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $43 more each month or $516 for a full year than choosing 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 tend to go at a minimum 21 months between claims, you would more than likely save some money by going with a higher deductible.

The example below shows how different deductible levels and can change Ford Edge insurance costs for each different age category. The costs are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Full coverage versus liability only rates

The information below illustrates 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 price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

When to eliminate full coverage

There is no set rule for excluding physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your Ford Edge settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after you pay the deductible. If it’s costing you more than $400 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are a few situations where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Why you need Ford vehicle insurance in California

Even though Fresno Edge insurance rates can get expensive, maintaining insurance may be required for several reasons.

• Most states have minimum liability requirements which means state laws require a minimum amount of liability insurance in order to drive the car. 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 Ford Edge has a loan, almost every bank will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Ford at a much higher premium rate and force you to pay a much higher amount than you were paying before.
• Insurance protects both your vehicle and your personal assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If your Ford gets damaged, your auto insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. Unknowingly, the average driver is overpaying over $700 annually so we recommend shopping around at every renewal to ensure rates are competitive.

Choices You Make Can Impact Your Insurance Premiums

Consumers need to have an understanding of the factors that are used to determine the level of your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower rates. Multiple criteria are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but some are not quite as obvious like your vehicle usage or your vehicle rating.

Frequent auto insurance claims increase prices – If you are the type of insured that files lots of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Companies in California award cheaper rates to insureds who only file infrequent claims. Insurance coverage is meant to be used in the event of the large, substantial claims.

Discounts for theft deterrents – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft.

The higher your credit history the lower your premiums – Having a good credit history is a big factor in determining what you pay. If your credit history is lower than you’d like, you may save money insuring your Ford Edge by taking the time to improve your credit score. Insureds with excellent credit scores tend to be more responsible and file fewer claims than those with lower credit scores.

Coverage deductibles are a factor – The deductibles you choose represent how much money you are required to pay if a claim is determined to be covered. Protection for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of some claims that would be covered could be a windshield broken by a bird, collision with a deer, and damage from wind. The more the insured is willing to pay, the less your auto insurance will be.

Performance impacts prices – The performance of the car or truck you are insuring makes a significant difference in your auto insurance rates. Lower performance four cylinder passenger cars usually are quite affordable to insure, but other factors influence the final cost greatly.

The following chart uses these assumptions: single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Ford Edge insurance premiums compared to other models of vehicles that have a range of performance rating factors.

Your gender affects costs – Over the last 50 years, statistics have shown that females take fewer risks when driving. That doesn’t necessarily mean that females are better at driving than males. Males and females tend to get into fender benders at a similar rate, but males tend to have higher claims. Not only are claims higher, but men have more aggressive citations such as reckless driving. Young men ages 16 to 20 are the most expensive to insure and therefore have the most expensive auto insurance rates.

The illustration below illustrates the comparison of Ford Edge insurance premiums for male and female drivers. The price estimates are based on no claims, a clean driving record, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Ford Edge insurance claim data – Insurance companies use claims history to calculate a rate that will offset any claims. Vehicles that historically have higher number or severity of losses will have higher rates. The table shown below demonstrates the insurance loss data used by companies for Ford Edge vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, equals 100. Numbers under 100 are indicative of better than average losses, while values that are above 100 indicate frequent claims or a tendency for claims to be larger.

Take advantage of these discounts on Ford Edge insurance in Fresno

The price of auto insurance can be rather high, but you may be missing some discounts that you may not know about. Some trigger automatically when you get a quote, but a few must be inquired about in order for you to get them. If you are not receiving all the discounts available, you’re just leaving money on the table.

• Memberships – Affiliation with qualifying employment or professional organizations could earn you a nice discount when shopping for insurance.
• Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies allow you one accident without raising rates so long as you are claim-free for a certain period of time.
• Data Collection Discounts – Fresno drivers who agree to allow driving data submission to spy on their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they have good driving habits.
• Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction depending on your insurance provider.
• Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
• Theft Deterrent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Home Ownership Discount – Owning a home in Fresno can save you money because owning a home requires personal responsibility.
• Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
• Lower Rates for Military – Being on active deployment in the military can result in better prices.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will definitely lower the cost of your policy.

The information below compares Ford Edge auto insurance rates with and without discounts applied to the policy rates. The data is based on a female driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, homeowner, and claim-free discounts applied.

To see a list of providers that can offer you the previously mentioned discounts in Fresno, follow this link.

Auto insurance can get complicated

When quoting and comparing adequate coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your financial needs are unique.

These are some specific questions may help you determine if your situation might need professional guidance.

• Is a driver training discount available?
• Am I covered if hit by an uninsured driver?
• Am I covered when driving a rental car?
• Is my Ford Edge covered for smoke damage?
• Do I get a pro-rated refund if I cancel my policy early?
• Are combined or split liability limits better?
• Are my company tools covered if they get stolen?
• Do I need to call my car insurance company before buying a new car?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Buying auto insurance from Fresno insurance agents

Some consumers prefer to sit down and talk to an agent and that is a personal choice. A nice benefit of getting online price quotes is that drivers can save money and get lower rates and still have an agent to talk to. And buying from neighborhood insurance agencies is still important in Fresno.

By using this form (opens in new window), your insurance coverage information is transmitted to insurance agents in Fresno who will give you bids for your coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because quoted prices will be sent straight to your inbox. Get lower rates AND an agent nearby. In the event you want to get a comparison quote from a particular provider, feel free to visit that company’s website and fill out the quote form the provide.

When looking for an insurance agent, you need to know there are two types of agencies and how they function. Auto insurance agencies can be described as either exclusive or independent (non-exclusive).

Independent Auto Insurance Agencies

Agents that choose to be independent are appointed with more than one company so they can insure your vehicles through lots of different companies and get the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company which makes it simple for you. When searching for an agent, we recommend you get rate quotes from multiple independent agents for the best price selection. Many can place coverage with smaller companies who may have lower rates.

Listed below are Fresno independent insurance agencies that may be able to give free price quotes.

• Pillar Insurance Partners, LLC
  1477 E Shaw Ave #140 – Fresno, CA 93710 – (559) 436-6441 – View Map
• Central Auto Insurance
  3668 W Shaw Ave – Fresno, CA 93711 – (559) 275-9911 – View Map
• McCarty Insurance
  7078 N Maple Ave # 106 – Fresno, CA 93720 – (559) 324-1421 – View Map

View more agents

Exclusive Auto Insurance Agents

Agents that choose to be exclusive have only one company to place business with and some examples include State Farm, Allstate, or Farmers Insurance. These agents are not able to provide rate quotes from other companies so they have no alternatives for high prices. They are usually quite knowledgeable on their company’s products which aids in selling service over price. Many people use the same agent mainly due to high brand loyalty rather than low price.

Listed below is a short list of exclusive insurance agencies in Fresno who can help you get price quotes.

• Farmers Insurance
  7161 N Millbrook Ave # 103 – Fresno, CA 93720 – (559) 447-9838 – View Map
• Dick Wallace – State Farm Insurance Agent
  4344 E Ashlan Ave – Fresno, CA 93726 – (559) 222-6501 – View Map
• Farmers Insurance: Stephen Leonard
  1390 N Wishon Ave – Fresno, CA 93728 – (559) 485-0413 – View Map

View more agents

Finding the right car insurance agent should depend on more than just a low price. Any agent in Fresno should be willing to answer these questions.

• Do you need full coverage on every vehicle?
• Do they reduce claim amounts on high mileage vehicles?
• How are claims handled?
• Do they receive special compensation for putting your coverage with one company over another?
• Is there any savings for paying the full premium?
• Where would glass claims be handled in Fresno?
• Does the agent recommend any additional coverage?
• Are aftermarket or OEM parts used to repair vehicles?

Affordable car insurance rates are out there

In this article, we presented a lot of techniques to lower your Ford Edge insurance auto insurance rates in Fresno. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the best price on car insurance is with an unexpected company.

As you quote Fresno auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone sacrificed collision coverage and found out when filing a claim that it was a big mistake. The proper strategy is to find the BEST coverage at the best price.

Insureds switch companies for a variety of reasons including high prices, lack of trust in their agent, policy cancellation or even unfair underwriting practices. Regardless of your reason, finding the right car insurance provider is not as difficult as it may seem.

Much more information about car insurance in California can be found on the following sites:

• Auto Insurance FAQ (Farmers Insurance)
• Who Has Affordable Auto Insurance for State Employees in Fresno? (FAQ)
• How Much are Fresno Auto Insurance Quotes for Welfare Recipients? (FAQ)
• How Much is Auto Insurance for a Nissan Versa in Fresno? (FAQ)
• Eight Auto Insurance Myths (Insurance Information Institute)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)