Best Ford Edge Insurance in El Paso

Unimaginable but true, most drivers have stayed with the same insurance company for a minimum of four years, and almost 40% of drivers have never compared rates with other companies. Many consumers in El Paso could save roughly $1,800 a year just by getting comparison quotes, but they just assume it’s a time-consuming process to shop their coverage around.

The best way to get more affordable auto insurance rates in El Paso is to compare prices annually from different companies who can sell car insurance in Texas. Rate comparisons can be done by following these steps.

1. Try to learn a little about coverages and the measures you can control to prevent expensive coverage. Many risk factors that result in higher rates such as distracted driving and a bad credit score can be remedied by being financially responsible and driving safely. Continue reading for tips to get lower rates and get discounts that may be available to you.
2. Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies.
3. Compare the new rate quotes to your current policy and determine if there is any savings. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.

An important bit of advice to remember is that you’ll want to compare identical deductibles and limits on each price quote and and to get quotes from as many auto insurance providers as possible. This provides an accurate price comparison and a complete price analysis.

If you are already insured or just want a better rate, take advantage of these tips to get lower rates without having to cut coverage. Buying the cheapest insurance in El Paso can be much easier if you know how to start. Consumers only need to know the quickest way to compare price quotes from many different companies online.

The companies shown below are our best choices to provide free quotes in Texas. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.

Rates and data analysis

The coverage information displayed next highlights estimates of coverage costs for Ford Edge models. Having knowledge of how prices are determined can assist in making informed decisions when comparing rates.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can modify rates considerably.

Choosing deductibles

A question often asked by El Paso drivers is which deductible level should you buy. The rates shown below may help you to understand the difference in cost when you select higher and lower insurance deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can influence insurance rates noticeably.

Based on the above data, using a $250 deductible will cost you roughly $27 more each month or $324 every year across all Ford Edge models than choosing the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 28 months between claim filings, you would most likely save money by going with a higher deductible.

Impact of age and gender on auto insurance rates

The diagram below compares Ford Edge car insurance rates for male and female drivers. The data is based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, single status, and no other discounts are factored in.

Comparison of full coverage and liability-only policies

The chart below shows the comparison of Ford Edge auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The information is based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.

When to buy liability coverage only

There is no definitive rule of when to eliminate comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Ford Edge replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after the deductible is paid. If premiums are more than $400 annually to have full coverage, then you may want to consider only buying liability coverage.

There are some conditions where removing full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

These discounts can slash Ford Edge insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will automatically apply at the time of quoting, but once in a while a discount must be manually applied before they will apply.

• Telematics Devices – Policyholders that allow driving data collection to look at driving manner through the use of a telematics system such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
• Good Grades Discount – Being a good student may save as much as 25% on a El Paso auto insurance quote. The discount lasts well after school through age 25.
• Waiver for an Accident – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more on Edge insurance in El Paso.
• Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
• Savings for New Vehicles – Insuring a new Edge can be considerably cheaper due to better safety requirements for newer vehicles.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more on Edge insurance in El Paso.
• Multi-Vehicle Discounts – Buying a policy with multiple cars or trucks on a single policy could earn a price break for each car.

We need to note that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The example below illustrates the difference between Ford Edge insurance rates with and without discounts applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Texas 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 multi-policy, safe-driver, homeowner, multi-car, marriage, and claim-free discounts applied.

Companies and their possible discounts include:

• GEICO includes discounts for military active duty, good student, emergency military deployment, anti-lock brakes, multi-vehicle, daytime running lights, and multi-policy.
• Auto-Owners Insurance has savings for multi-policy, good student, air bags, student away at school, and paid in full.
• American Family policyholders can earn discounts including bundled insurance, early bird, mySafetyValet, good driver, defensive driver, and multi-vehicle.
• Esurance may have discounts that include good student, Pac-12 alumni, renters, DriveSense, online quote, and emergency road assistance.
• Progressive offers discounts including homeowner, continuous coverage, online signing, multi-policy, multi-vehicle, and online quote discount.
• State Farm has discounts for multiple autos, multiple policy, safe vehicle, Drive Safe & Save, driver’s education, and accident-free.
• AAA offers premium reductions for good driver, multi-policy, multi-car, anti-theft, education and occupation, and good student.

Check with each insurance company what discounts are available to you. All car insurance discounts may not apply to policyholders in your area. If you would like to see a list of insurance companies with the best discounts in Texas, click here.

Why you need quality insurance for your Ford vehicle

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

• Almost all states have mandatory liability insurance requirements which means the state requires specific limits of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Ford has a lienholder, almost every bank will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Ford at a significantly higher premium and require you to pay a much higher amount than you were paying before.
• Auto insurance protects not only your car but also your financial assets. It also can pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car are without a doubt worth the cost, particularly for liability claims. Today the average American driver overpays as much as $810 a year so you should quote rates at every renewal to make sure the price is not too high.

Insurance agencies are professional risk managers

Some people still prefer to talk to a local agent and we recommend doing that Most agents can help you build your policy and help submit paperwork. The best thing about comparing auto insurance online is the fact that you can find cheaper rates but still work with a licensed agent.

To find an agent, once you fill out this short form, your insurance data is instantly submitted to companies in El Paso who will give competitive quotes for your business. You won’t need to visit any agencies as quotes are delivered to you. If you need to compare rates from a specific auto insurance provider, feel free to go to their quote page and complete a quote there.

Picking a insurer should depend on more than just the bottom line cost. The following questions are important to ask.

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Does the agent have a valid license to sell insurance in Texas?
• Does the agent recommend any additional coverage?
• Which companies do they recommend if they are an independent agency?
• Can you use your own choice of collision repair facility?
• Are there any extra charges for paying monthly?
• Are they giving you every discount you deserve?

If you prefer to buy auto insurance from a local insurance agency, it’s important to understand the types of agencies that you can select. Insurance agencies in El Paso can either be exclusive or independent agents depending on their company appointments. Either can write policy coverage, but it’s important to know the difference between them because it can impact your selection of an agent.

Exclusive Insurance Agents

Agents of this type can only provide pricing for a single company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. They are very knowledgeable on the products they sell and that enables them to sell even at higher rates.

Shown below is a short list of exclusive agencies in El Paso that are able to give price quotes.

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Independent Agencies or Brokers

Agents in the independent channel are not limited to a single company so they can insure your vehicles with any number of different companies and find the cheapest auto insurance rates. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent.

When comparing auto insurance prices, you absolutely need to get several quotes from several independent insurance agents so that you have a good selection of quotes to compare.

Listed below is a short list of independent agents in El Paso willing to provide rate quotes.

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Upon receiving satisfactory answers to these questions as well as a price you’re happy with, most likely you have located an auto insurance agent that is professional and can insure your vehicles.