Regrettably, the vast majority of consumers kept buying from the same company for more than four years, and roughly 40% of drivers have never even compared quotes to find lower-cost rates. Drivers in Arizona can save almost 50% each year just by comparing rates, but they just assume it takes a lot of time to do a rate comparison.
Really, the only way to get cheaper Ford Edge insurance in Tucson is to compare prices at least once a year from insurance carriers in Arizona. Rate comparisons can be done by completing these steps.
- Learn about how insurance works and the things you can change to prevent rate increases. Many rating criteria that drive up the price like careless driving and an unacceptable credit score can be controlled by improving your driving habits or financial responsibility. This article provides instructions to help prevent high rates and find missing discounts.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while independent agencies can provide price quotes from multiple companies.
- Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available in Tucson. If you find a lower rate quote and make a switch, ensure coverage does not lapse between policies.
- Provide notification to your current company of your decision to cancel the current policy. Submit a signed application and payment for the new coverage. When you receive it, put the proof of insurance paperwork somewhere easily accessible.
An important part of this process is that you’ll want to compare the same deductibles and limits on each quote and and to get rate quotes from all possible companies. This provides a level playing field and a complete price analysis.
If you have insurance now, you will definitely be able to save money using these techniques. Shopping around for the cheapest policy in Tucson is not as hard as you may think. Nevertheless, Arizona car owners must learn how the larger insurance companies calculate your policy premium and take advantage of how the system works.
You may qualify for discounts for Ford Edge insurance in Tucson
The price of auto insurance can be rather high, but there’s a good chance there are discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at quote time, but once in a while a discount must be asked for before you get the savings.
- More Vehicles More Savings – Drivers who insure multiple cars on a single policy could earn a price break for each car.
- Responsible Driver Discount – Drivers without accidents may save up to 50% more than drivers with accident claims.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy life insurance from them.
- Senior Citizen Discount – Drivers that qualify as senior citizens are able to get better car insurance rates.
- ABS Brakes – Cars and trucks that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
- Payment Discounts – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
- Service Members Pay Less – Being deployed with a military unit could qualify you for better rates.
- No Charge for an Accident – Not really a discount, but some insurance companies will turn a blind eye to one accident before your rates go up if you are claim-free prior to the accident.
A little disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride. Any qualifying discounts will definitely reduce your overall premium however.
The chart below visualizes the comparison of Ford Edge car insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, homeowner, and marriage discounts applied.
Popular car insurance companies and a summarized list of policyholder discounts are:
- State Farm may have discounts that include multiple autos, accident-free, Drive Safe & Save, good student, passive restraint, and anti-theft.
- Progressive may include discounts for continuous coverage, multi-policy, homeowner, good student, online quote discount, and online signing.
- Travelers has savings for good student, IntelliDrive, multi-car, early quote, and driver training.
- American Family policyholders can earn discounts including air bags, multi-vehicle, accident-free, good student, early bird, TimeAway discount, and bundled insurance.
- Liberty Mutual includes discounts for newly retired, exclusive group savings, hybrid vehicle, good student, multi-policy, and multi-car.
It’s a good idea to ask all the companies to give you their best rates. Depending on the company, some discounts might not be offered everywhere.
When comparison shopping, comparing more rates from different companies helps increase your odds of locating a better price.
The providers in the list below can provide quotes in Arizona. If multiple companies are listed, we suggest you click on several of them to get a more complete price comparison.
Facts and figures for Ford Edge insurance
The coverage information displayed below highlights different insurance prices for Ford Edge models. Learning more about how policy rates are formulated is important for making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $174 | $314 | $338 | $20 | $102 | $948 | $79 |
| Edge SE AWD | $174 | $382 | $338 | $20 | $102 | $1,016 | $85 |
| Edge SEL 2WD | $174 | $382 | $338 | $20 | $102 | $1,016 | $85 |
| Edge Limited 2WD | $174 | $382 | $338 | $20 | $102 | $1,016 | $85 |
| Edge SEL AWD | $174 | $382 | $338 | $20 | $102 | $1,016 | $85 |
| Edge Limited AWD | $200 | $450 | $338 | $20 | $102 | $1,110 | $93 |
| Edge Sport 2WD | $200 | $450 | $338 | $20 | $102 | $1,110 | $93 |
| Edge Sport AWD | $200 | $450 | $338 | $20 | $102 | $1,110 | $93 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can revise price quotes noticeably.
How Car Insurance Companies Calculate Ford Edge Insurance Prices
Many factors are used when pricing auto insurance. Some of the criteria are obvious like your driving record, but some are less obvious such as whether you are married or your commute time.
Listed below are some of the items auto insurance companies consider when setting prices.
Tickets will cost you – Careful drivers get better rates as compared to those with violations. Having a single chargeable violation can increase rates twenty percent or more. Drivers who have gotten severe citations like DUI or willful reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to legally drive a vehicle.
The diagram below highlights how traffic violations and accident claims can affect Ford Edge insurance costs for each different age category. The data is based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Incidental coverages can waste money – Policies have extra coverages that can waste your money on your Edge policy. Things like coverage for rental cars, accident forgiveness, and extra equipment coverage may be wasting your money. These may sound like a good investment at first, but if they’re wasting money get rid of them and save.
Get married and get better costs – Being married may save some money on your auto insurance policy. Marriage means you’re more mature and it’s proven that drivers who are married file infrequent claims.
High coverage deductibles cost less – The deductibles you choose define the amount you are required to spend out-of-pocket before a claim is paid by your company. Protection for physical damage, aka comp and collision, insures against damage to your car. Some instances where coverage would apply would be colliding with a stationary object, animal collisions, and damage from wind. The more damage repair cost you choose to pay out-of-pocket, the less your auto insurance will be.
Gender matters – Statistics have proven that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. Both sexes have fender benders at about the same rate, but males tend to have more serious accidents. Men also statistically get higher numbers of serious violations like DUI and reckless driving.
The illustration below shows the difference between Ford Edge insurance costs for male and female drivers. The premiums are based on no claims or violations, full coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
City traffic equals higher rates – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when talking about auto insurance. Less people living in that area means a lower chance of having an accident and lower theft and vandalism rates. People in densely populated areas tend to have congested traffic and much longer commute distances. More time behind the wheel means more chances of being involved in an auto accident.
Credit rating impacts premium prices – Having a bad credit score can be an important factor in determining your rates. People that have high credit scores tend to be less risk to insure as compared to drivers with poor credit scores. So if your credit is not that good, you could potentially save money when insuring your Ford Edge if you improve your credit rating.
Insurance loss statistics a Ford Edge – Companies use data from past claims to determine a rate that will be profitable for them. Models that the statistics show to have higher claim frequency or loss amount will have increased rates.
The next table shows the historical insurance loss data for Ford Edge vehicles. For each coverage category, the loss probability for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers below 100 are indicative of better than average losses, while numbers above 100 indicate more frequent claims or an increased chance of larger losses than average.
| Specific Ford Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Edge 4dr 2WD | 53 | 93 | ||||
| Ford Edge 4dr 4WD | 71 | 108 | 75 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
When do I need an agent’s advice?
When quoting and comparing your policy for your vehicles, there isn’t really a one-size-fits-all type of policy. Every situation is different.
For instance, these questions may help highlight if you will benefit from professional help.
- Does my policy pay for OEM or aftermarket parts?
- How can I get high-risk coverage after a DUI?
- When should I not file a claim?
- How much can I save by bundling my policies?
- Am I covered if I hit a deer?
- Should I buy more coverage than the required Arizona minimum liability coverage?
If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.
Local insurance agents
Many people still like to get professional advice from a licensed agent and there is nothing wrong with that. A nice benefit of getting online price quotes is the fact that drivers can get cheap rate quotes and still have an agent to talk to. Buying insurance from local insurance agents is especially important in Tucson.
Once you complete this short form, your information is sent to companies in Tucson that can provide free Tucson car insurance quotes for your insurance coverage. You won’t even need to leave your computer due to the fact that quote results will go instantly to you. You’ll get the best rates and a licensed agent to talk to. If you have a need to compare prices from a specific auto insurance provider, you would need to navigate to their website to submit a rate quote request.
Pick the best auto insurance agent in Tucson for you
If you prefer to buy auto insurance from a local Tucson insurance agent, it’s helpful to know the types of agencies and how they can service your needs differently. Tucson agents can be described as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Independent insurance agents are not limited to a single company so they can insure your vehicles with many different companies and potentially find a lower price. If they find a cheaper price, your agent can just switch to a different company and you stay with the same agent.
If you are trying to find cheaper rates, we recommend you get rate quotes from several independent agencies in order to compare the most rates. Many can place coverage with smaller mutual companies who may have lower rates.
Shown below are independent insurance agents in Tucson that can give you free rate quotes.
- Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map - Mooney Insurance
10501 E Seven Generations Way #103 – Tucson, AZ 85747 – (520) 751-0502 – View Map - McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369 – View Map
Exclusive Agents
Exclusive agencies can only write with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot provide other company’s prices so you might not find the best rates. Exclusive insurance agents are trained well on sales techniques and that can be a competitive advantage. Consumers frequently choose to use an exclusive agent partially due to high brand loyalty instead of buying on price only.
Shown below are exclusive agents in Tucson who can help you get price quotes.
- Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079 – View Map - Noreen Lawlor – State Farm Insurance Agent
8925 E Golf Links Rd – Tucson, AZ 85730 – (520) 722-7488 – View Map - Nancy Craney – State Farm Insurance Agent
3720 W Ina Rd #132 – Tucson, AZ 85741 – (520) 742-9947 – View Map
Choosing an insurance agent shouldn’t rely on just a cheap price. The answers to these questions are important, too.
- Will their companies depreciate repairs to your car based on the mileage?
- Is every driver in your family covered?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Has the agent ever had any license suspensions?
- Does the agency have a positive business rating?
Three good reasons to insure your Edge
Despite the high insurance cost for a Ford Edge in Tucson, paying for car insurance serves a purpose in several ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability coverage in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Ford Edge has a loan, most banks will make it a condition of the loan that you buy full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Ford for a much higher rate and force you to reimburse them the higher price.
- Insurance safeguards not only your vehicle but also your assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If your Ford gets damaged, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance more than offset the price you pay, especially for larger claims. Unknowingly, the average driver is overpaying over $830 a year so it’s recommended you shop around once a year at a minimum to save money.
How to find a good Arizona car insurance company
Buying coverage from a highly-rated insurer can be challenging considering how many companies sell coverage in Arizona. The information shown below can help you analyze which auto insurers you want to consider comparing price quotes from.
Top 10 Tucson Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Tucson Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
More quotes mean more auto insurance savings
A few companies don’t offer price quotes online and most of the time these regional carriers only sell coverage through independent insurance agencies. The cheapest Ford Edge insurance in Tucson is definitely available online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis.
Drivers leave their current company for a variety of reasons including questionable increases in premium, lack of trust in their agent, high rates after DUI convictions or even delays in paying claims. Regardless of your reason for switching companies, switching companies is not as hard as you think.
When you buy Tucson car insurance online, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured cut full coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the best cost.
To learn more, feel free to browse the following helpful articles:
- Winter Driving (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Tucson? (FAQ)
- How Much is Auto Insurance for Drivers with a DUI in Tucson? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Single Moms in Tucson? (FAQ)
- What Car Insurance is Cheapest for 19 Year Olds in Tucson? (FAQ)
- Who Has the Cheapest Tucson Car Insurance Rates for Real Estate Agents? (FAQ)
- All About Airbag Safety (State Farm)
- Your Car has been Stolen: Now What? (Allstate)