Who Has the Cheapest Long Beach Auto Insurance Quotes for a Ford Edge?

Buying cheap coverage for a Ford Edge is dependent upon a pretty complex algorithm that uses a lot of factors such as how far you commute, your address, and any prior driving citations you have received. Drivers will pay on average $1,184 each year to insure their Edge, but that cost is using a 30-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.

More likely than not, you aren’t exactly 30 years old or even a female, you might be single instead of married, or you just want cheap liability insurance instead of full coverage. Having the smallest difference in the rating criteria used to formulate rates can result in a massive change in how much insurance for a Ford Edge costs.

Auto insurance is not the same for everyone, so the only way to find the cheapest coverage for your Ford is to compare as many rates as you can.

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The specific trim level will be a contributing factor to the annual cost of coverage, so the price you will pay to insure a Edge SE 2WD model will be $198 cheaper than the cost to insure the fancier Edge Sport AWD trim level, as shown in the prices below.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific location information which can impact auto insurance rates greatly.

Finding reasonably-priced car insurance is easier said than done, and determining which companies have the most affordable insurance rates for a Ford Edge will involve even more perseverance. Every auto insurer has a different formula for establishing rates, so let’s begin by taking a look at the insurance companies that tend to have lower prices in Long Beach, CA.

It’s important that you understand Long Beach insurance rates are calculated based on many things that can increase the price you have to pay for coverage. Improving your financial situation, increasing liability limits, or getting a reckless driving citation can cause premium changes resulting in some rates now being higher-priced than before.

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USAA has some of the cheapest car insurance rates in Long Beach at around $1,121 a year. This is $530 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also are some of the most economical Long Beach, CA auto insurance companies.

As shown in the table above, if you are insured with CSAA and switched to Century National, you may see yearly savings of in the vicinity of $56. Insureds with Nationwide could save as much as $72 a year, and 21st Century customers might reduce prices by as much as $201 a year.

Remember that these estimates are averages across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for a Ford Edge. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The information below highlights how deductible choice can affect annual premium costs when getting quotes for cheap insurance for a Ford Edge. The premiums are based on a married male driver, full physical damage coverage, and no discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower rates by $416 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $626 by switching to a $1,000 deductible. Younger drivers, such as the Age 20 example, can save as much as $1,398 or more just by choosing higher deductibles. If you do decide to increase your deductibles, it is important to have plenty of money set aside to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

The importance of shopping around for Edge insurance

Long Beach, CA insurance rates are impacted by many things that control the price you have to pay. Simply improving your credit, moving to a different location, or having an accident may generate price changes that can make some companies cheaper than competitors. Not only that, but insurance companies change premium rates every year in order to remain profitable. An unexpected high level of claims can cause rate increases, while long-term profits may produce cheaper Edge insurance rates.

The bar chart below compares the cheapest car insurance in Long Beach, CA for a 35-year-old male driver with a clear driving record, no claims, and good financial standing. If we estimate rates based on his current rating profile, USAA has the best car insurance rates in Long Beach at $1,296 a year. This is $355 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remainder of the best Long Beach, CA auto insurance companies.

In the next rate comparison, we’ll give the driver from the first example an accident surcharge, a lower credit rating, and a stop sign violation. Since every car insurance company has a proprietary method to determine rates, getting updated rate quotes may now show a significantly different list of the cheapest companies as shown below.

Grange now has the cheapest rate in Long Beach, CA with Allstate, Progressive, GEICO, and Mercury now being in the top five. This shows why consumers need to take the time to take the time to shop around to get cheap auto insurance rates for a Ford Edge. Rates are impacted by many different factors and change frequently, so the most affordable company six months ago may now cost much more than other companies.