Trying to find the cheapest Ford Edge insurance in Stockton? Locating the cheapest insurance for a Ford Edge in California can normally be a lot of work, but you can learn these tips to make it easier.
There are both good and bad ways to compare car insurance rates so you’re going to learn the proper way to price shop coverage for a Ford and get the cheapest rates either online or from Stockton insurance agents.
Unbelievable but true according to a study a large majority of drivers have been with the same company for a minimum of four years, and approximately 38% of consumers have never shopped around. Stockton drivers could save an average of up to $469 each year by just comparing quotes, but they don’t know the amount of money they would save if they swap their current policy for a cheaper one.
The companies shown below are ready to provide price quotes in Stockton, CA. If several companies are displayed, we recommend you get prices from several of them to get a more complete price comparison.
Best reasons to buy insurance in California
Despite the fact that insurance is not cheap in Stockton, paying for insurance serves an important purpose.
- Almost all states have minimum liability requirements which means the state requires a minimum amount of liability protection if you don’t want to risk a ticket. 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 you took out a loan on your Ford Edge, almost every bank will force you to have full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Ford at an extremely high rate and force you to pay the higher premium.
- Insurance safeguards both your car and your personal assets. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. On average, a vehicle owner in Stockton is overpaying more than $869 every year so shop around each time the policy renews to be sure current rates are still competitive.
Rate information and statistics
The rate table below highlights a range of coverage costs for Ford Edge models. Having knowledge of how prices are determined is important to be able to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $158 | $292 | $500 | $30 | $150 | $1,130 | $94 |
| Edge SE AWD | $158 | $354 | $500 | $30 | $150 | $1,192 | $99 |
| Edge SEL 2WD | $158 | $354 | $500 | $30 | $150 | $1,192 | $99 |
| Edge Limited 2WD | $158 | $354 | $500 | $30 | $150 | $1,192 | $99 |
| Edge SEL AWD | $158 | $354 | $500 | $30 | $150 | $1,192 | $99 |
| Edge Limited AWD | $182 | $418 | $500 | $30 | $150 | $1,280 | $107 |
| Edge Sport 2WD | $182 | $418 | $500 | $30 | $150 | $1,280 | $107 |
| Edge Sport AWD | $182 | $418 | $500 | $30 | $150 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Information does not factor in specific garaging location which can alter auto insurance rates noticeably.
Analysis of deductible levels
One frequently asked question is the level to set your comp and collision deductibles. The tables below approximate the cost difference when you buy lower versus higher physical damage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $298 | $472 | $442 | $26 | $132 | $1,395 | $116 |
| Edge SE AWD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Edge SEL 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Edge Limited 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Edge SEL AWD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Edge Limited AWD | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Edge Sport 2WD | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Edge Sport AWD | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| 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 safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific location which can revise prices noticeably.
Based on this data, using a $250 deductible will cost you roughly $30 more each month or $360 for a full year across all Ford Edge models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 25 months between claim filings, you would most likely save money if you opt for a higher deductible. The table below illustrates an example of how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $128 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One thing to be aware of is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have to file a claim. You should have enough disposable savings in the event you have to pay the deductible.
The illustration below shows how choosing a deductible and can affect Ford Edge insurance costs for each age group. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are applied.
Rate comparison of male drivers versus female drivers
The chart below illustrates the comparison of Ford Edge insurance rates for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are applied.
Rate comparison of full coverage and liability-only
The information below shows the difference between Ford Edge yearly insurance costs with full coverage and liability only. The rate quotes are based on no violations or claims, $250 deductibles, drivers are single, and no policy discounts are applied.
Should you pay for full coverage or liability only?
There is no clear-cut formula of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Ford Edge claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $3,000 after the deductible is paid. If it’s costing in excess of $300 annually for physical damage coverage, then it could be time to drop full coverage.
There are some conditions where only buying liability is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Do you qualify for discounts on Ford Edge insurance in Stockton?
Companies don’t always advertise the complete list of policy discounts very well, so the list below contains a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy Stockton auto insurance online. If you do not double check each discount available, you could be paying more than you need to.
- Senior Citizen Rates – Seniors can get lower premium rates.
- Safety Restraint Discount – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Multi-car Discount – Drivers who insure multiple cars with the same company qualifies for this discount.
- Life Insurance – Insurance companies who offer life insurance give better rates if you take out some life insurance too.
- Accident Forgiveness Coverage – This one is not really a discount per se, but some companies like GEICO, Progressive, and Allstate may permit one accident without getting socked with a rate hike if your claims history is clear prior to the accident.
- Full Payment Discount – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
- Early Renewal Discounts – Some car insurance companies give discounts for buying a new policy prior to your current Edge insurance policy expiration. This can save 10% or more.
- Telematics Discount – Insureds who allow driving data submission to study their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and therefore earn up to a 10% discount.
- Service Members Pay Less – Being on active duty in the military could be rewarded with lower car insurance rates.
Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.
The chart below illustrates the difference between Ford Edge insurance prices with and without discounts applied to the policy rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, marriage, and homeowner discounts applied.
For a list of insurance companies who offer car insurance discounts in California, click here to view.
When do I need to get advice from a local insurance agent?
A lot of people just prefer to sit down and talk to an agent and often times that is recommended Professional agents are trained risk managers and help submit paperwork. The best thing about comparing auto insurance online is you can get cheap auto insurance rates but still work with a licensed agent. Buying insurance from local agents is definitely important in Stockton.
After completing this form (opens in new window), your insurance coverage information is sent to insurance agents in Stockton that provide free Stockton auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house because prices are sent directly to your email. If for some reason you want to compare prices from one company in particular, feel free to jump over to their website and give them your coverage information.
Listed below is a short list of insurers in Stockton that are able to give rate quotes for Ford Edge insurance in Stockton.
- Beacon Padula Insurance
1150 W Robinhood Dr Suite 2b – Stockton, CA 95207 – (209) 478-3775 – View Map - Pan American Insurance Agency
2800 W March Ln – Stockton, CA 95219 – (209) 955-2600 – View Map - Allstate Insurance Agent: Tim Delaney
3244 Brookside Rd #170 – Stockton, CA 95219 – (209) 943-8344 – View Map - Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433 – View Map
Picking the best insurer should include more criteria than just the bottom line cost. These are valid questions to ask:
- Are they involved in claim handling?
- Does the agency provide any after hours assistance?
- What are the financial ratings for the companies they represent?
- What company holds the largest book of business for them?
- Is the agent and/or agency licensed to do business in California?
- When do they do a full risk review?
- Will they take your side in the event of a claim?
Best car insurance company in Stockton
Picking the highest-rated car insurance company can be a challenge considering how many companies are available to choose from in Stockton. The company rank data shown next could help you pick which car insurance companies to look at shopping your coverage with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Cheaper auto insurance is a realistic goal
We just showed you a lot of ways to find cheap Ford Edge insurance in Stockton. The key concept to understand is the more you quote Stockton auto insurance, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest priced auto insurance comes from the least-expected company.
As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone dropped full coverage to discover at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Consumers switch companies for many reasons like high prices, extreme rates for teen drivers, high rates after DUI convictions or not issuing a premium refund. It doesn’t matter what your reason, switching auto insurance companies can be pretty painless.
How to buy affordable Ford Edge insurance in Stockton
Truthfully, the best way to get low-cost Ford Edge insurance in Stockton is to start comparing rates regularly from insurance carriers that sell auto insurance in California. Prices can be compared by following these steps.
- Try to understand how companies price auto insurance and the changes you can make to keep rates low. Many factors that cause high rates like speeding tickets, careless driving and a not-so-good credit rating can be improved by making lifestyle changes or driving safer.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while independent agencies can quote prices for many different companies. View companies
- Compare the new rates to your existing policy and determine if there is any savings. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
- Give notification to your agent or company to cancel the current policy and submit payment and a completed application to the newly selected company. As soon as you receive it, store the proof of insurance paperwork along with the vehicle’s registration papers.
The key aspect of shopping around is to make sure you’re comparing similar deductibles and liability limits on each price quote and and to get rates from every company you can. This provides a fair rate comparison and the best price selection.
Additional auto insurance information is located on the following sites:
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Lyft Drivers in Stockton? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Hyundai Sonata in Stockton? (FAQ)
- Who Has Cheap Car Insurance Rates for a GMC Sierra in Stockton? (FAQ)
- How Much are Stockton Car Insurance Quotes for a Toyota Camry? (FAQ)
- What Insurance is Cheapest for First-time Drivers in Stockton? (FAQ)
- Who Has the Cheapest Stockton Auto Insurance Quotes for Good Drivers? (FAQ)
- How Much is Auto Insurance for a Ford F-150 in Stockton? (FAQ)
- Who Has Affordable Auto Insurance for Immigrants in Stockton? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)