Truthfully, the best way to get the cheapest Ford Edge insurance in Chula Vista is to compare prices at least once a year from providers who can sell car insurance in California.
- Read and learn about what coverages are included in your policy and the measures you can control to keep rates down. Many rating criteria that drive up the price like getting speeding tickets and a poor credit score can be eliminated by making lifestyle changes or driving safer.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of companies. Find a Chula Vista insurance agent
- Compare the new rate quotes to your current policy premium and see if you can save money. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
A key point to remember is to use identical limits and deductibles on each price quote and to quote with as many companies as you can. Doing this enables an apples-to-apples comparison and plenty of rates choose from.
It’s an obvious conclusion that auto insurance companies don’t want you to look at other companies. Drivers who perform rate comparisons will, in all likelihood, buy a new policy because there is a great chance of finding a lower-priced company. Remarkably, a study showed that drivers who compared prices regularly saved on average $865 a year compared to policyholders who don’t regularly compare prices.
If finding the lowest price on auto insurance in Chula Vista is your ultimate objective, knowing how to quote prices and compare auto insurance can help you succeed in finding affordable rates.
Do you qualify for discounts on Ford Edge insurance in Chula Vista?
Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. A few discounts will be applied when you complete an application, but some may not be applied and must be specially asked for in order for you to get them. If you’re not getting every credit possible, you could be saving more on your insurance.
- Homeowners Savings – Just owning your own home can earn you a little savings since home ownership shows financial diligence.
- Save with More Vehicles Insured – Drivers who insure multiple vehicles on the same insurance policy could earn a price break for each car.
- Low Mileage Discounts – Driving fewer miles could earn cheaper insurance rates.
- Military Discounts – Being deployed with a military unit could be rewarded with lower prices.
- No Charge for an Accident – Not really a discount, but some insurance companies will allow you to have one accident without getting socked with a rate hike if you are claim-free prior to the accident.
- Accident-Free Discounts – Chula Vista drivers who stay claim-free pay less in comparison with frequent claim filers.
One thing to note about discounts is that some credits don’t apply to the whole policy. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free insurance policy, companies don’t profit that way.
The information below visualizes the comparison of Ford Edge car insurance costs with and without discounts. The information 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 marriage, multi-car, multi-policy, safe-driver, claim-free, and homeowner discounts applied.
A few companies that may include these discounts include:
If you need lower rates, check with each company to apply every possible discount. Some discounts may not be offered in your state.
Just remember that getting more free quotes helps increase your odds of locating better pricing.
The companies in the list below have been selected to offer comparison quotes in California. In order to find cheap car insurance in Chula Vista, we recommend you visit two to three different companies to find the most affordable car insurance rates.
Rates and detailed analysis
The coverage table shown next covers a range of rate quotes for Ford Edge models. Having knowledge of how policy rates are formulated can aid in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $208 | $392 | $500 | $30 | $150 | $1,280 | $107 |
| Edge SE AWD | $208 | $478 | $500 | $30 | $150 | $1,366 | $114 |
| Edge SEL 2WD | $208 | $478 | $500 | $30 | $150 | $1,366 | $114 |
| Edge Limited 2WD | $208 | $478 | $500 | $30 | $150 | $1,366 | $114 |
| Edge SEL AWD | $208 | $478 | $500 | $30 | $150 | $1,366 | $114 |
| Edge Limited AWD | $238 | $564 | $500 | $30 | $150 | $1,482 | $124 |
| Edge Sport 2WD | $238 | $564 | $500 | $30 | $150 | $1,482 | $124 |
| Edge Sport AWD | $238 | $564 | $500 | $30 | $150 | $1,482 | $124 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location information which can modify price quotes noticeably.
Choosing deductibles
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparison tables below can help you visualize the differences in price when you buy lower versus higher insurance deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Edge SE AWD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Edge SEL 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Edge Limited 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Edge SEL AWD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Edge Limited AWD | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Edge Sport 2WD | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Edge Sport AWD | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Edge SE AWD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Edge SEL 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Edge Limited 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Edge SEL AWD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Edge Limited AWD | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Edge Sport 2WD | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Edge Sport AWD | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in specific location information which can affect premiums noticeably.
Based on the figures above, using a $100 deductible will cost in the ballpark of $43 more each month or $516 a year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 21 months between claims, you would probably save some money if you opt for a higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $100 deductibles: | $141 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $43 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $43 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
The diagram below highlights how deductible selection and can change Ford Edge insurance costs for different age groups of insureds. The rates are based on a married male driver, comp and collision included, and no additional discounts are factored in.
Drive responsibly or pay higher rates
The chart below demonstrates how speeding tickets and at-fault fender-benders can influence Ford Edge insurance prices for different age groups. The information is based on a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.
Gender differences in insurance premiums
The information below illustrates the difference between Ford Edge auto insurance rates for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single status, and no additional discounts are factored in.
Cost of full coverage
The information below illustrates the difference between Ford Edge car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or violations, $100 deductibles, marital status is single, and no additional discounts are factored in.
Should you pay for full coverage?
There is no exact formula of when to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Ford Edge claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying the physical damage deductible. If premium cost is more than $300 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where removing full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Buying auto insurance from Chula Vista insurance agents
Some consumers would rather go talk to an agent. One of the great benefits of getting free rate quotes online is that you can find cheap rate quotes and still choose a local agent.
Upon completion of this short form, your insurance data is emailed to participating agents in Chula Vista that can provide free Chula Vista car insurance quotes for your auto insurance coverage. You never need to find an agent due to the fact that quote results will go immediately to your email address. You can find better rates and work with a local agent. If you wish to get a rate quote from a specific auto insurance provider, feel free to go to their quote page and fill out the quote form the provide.
Picking an insurance company is decision based upon more than just a cheap price. These questions are important to ask:
- Does the agent have a valid license to sell insurance in California?
- Where would your vehicle be repaired?
- Will the agent help in case of a claim?
- Do they get paid more for recommending certain coverages?
- Which companies can they place coverage with?
- Who is covered by the car insurance policy?
- Is working in the agency their full-time job?
If you are wanting to purchase auto insurance from a reputable agency, it’s helpful to know the different agency structures and how they differ in how they can insure your vehicles. Agents in Chula Vista can be described as either independent agents or exclusive agents depending on their employer.
Exclusive Agents
Exclusive agencies can only provide one company’s prices such as AAA, Allstate, and State Farm. These agents are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive agents receive extensive training on their products and sales techniques and that can be a competitive advantage.
Shown below are exclusive insurance agencies in Chula Vista willing to provide price quote information.
Bruce Anderson – State Farm Insurance Agent
871 Harold Pl #109 – Chula Vista, CA 91914 – (619) 422-3333 – View Map
GEICO Insurance Agent
386 E H St Suite 203 – Chula Vista, CA 91910 – (619) 264-1751 – View Map
Farmers Insurance: Vega Julio V
799 Third Ave – Chula Vista, CA 91911 – (619) 426-0554 – View Map
Independent Agents
Independent agents do not write with just one company and that is an advantage because they can write policies through many companies and get the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to do anything.
When comparing rates, you definitely need to include several independent agencies to maximize your price options.
Shown below is a list of independent agencies in Chula Vista willing to provide price quotes.
Elect Insurance Center
1229 Third Ave c – Chula Vista, CA 91911 – (619) 425-3532 – View Map
Daylight Insurance Brokerage
900 Lane Ave #128 – Chula Vista, CA 91914 – (619) 240-7164 – View Map
Areli’s Insurance Services
1010 Broadway #7 – Chula Vista, CA 91911 – (619) 409-1690 – View Map
Car insurance coverage specifics
Learning about specific coverages of car insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.
Collision coverage – This will pay to fix damage to your Edge resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims such as backing into a parked car, sideswiping another vehicle, damaging your car on a curb, driving through your garage door and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible on your Edge to bring the cost down.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for nursing services, prosthetic devices and surgery. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like vandalism, a broken windshield, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for liability – This provides protection from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 that translate to $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property.
Liability coverage pays for things such as bail bonds, medical services, court costs, attorney fees and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. California state minimum liability requirements are 15/30/5 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why minimum state limits may not be enough coverage.
Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
In conclusion
The cheapest Ford Edge insurance in Chula Vista can be bought on the web in addition to many Chula Vista insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and these regional insurance providers only sell coverage through local independent agencies.
We covered a lot of tips how to get a better price on Ford Edge insurance in Chula Vista. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest prices are with some of the smallest insurance companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.
To read more, link through to the following helpful articles:
- How to Avoid Staged Accidents (State Farm)
- Which Company has the Cheapest Car Insurance in Chula Vista, CA? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Sonata in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Rates for a Ford Edge? (FAQ)
- What Insurance is Cheapest for a Honda Accord in Chula Vista? (FAQ)
- How Much are Car Insurance Quotes for Uninsured Drivers in Chula Vista? (FAQ)
- Understanding your Policy (NAIC.org)
- Understanding Rental Car Insurance (Insurance Information Institute)