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.

Discount Ford Edge insuranceThe 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.

Ford Edge Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $152 $290 $496 $30 $148 $1,116 $93
Edge SE AWD $152 $352 $496 $30 $148 $1,178 $98
Edge SEL 2WD $152 $352 $496 $30 $148 $1,178 $98
Edge Limited 2WD $152 $352 $496 $30 $148 $1,178 $98
Edge SEL AWD $152 $352 $496 $30 $148 $1,178 $98
Edge Limited AWD $174 $416 $496 $30 $148 $1,264 $105
Edge Sport 2WD $174 $416 $496 $30 $148 $1,264 $105
Edge Sport AWD $174 $416 $496 $30 $148 $1,264 $105
Get Your Own Custom Quote Go

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.

Ford Edge insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $256 $408 $382 $22 $114 $1,207 $101
Edge SE AWD $256 $496 $382 $22 $114 $1,295 $108
Edge SEL 2WD $256 $496 $382 $22 $114 $1,295 $108
Edge Limited 2WD $256 $496 $382 $22 $114 $1,295 $108
Edge SEL AWD $256 $496 $382 $22 $114 $1,295 $108
Edge Limited AWD $294 $584 $382 $22 $114 $1,421 $118
Edge Sport 2WD $294 $584 $382 $22 $114 $1,421 $118
Edge Sport AWD $294 $584 $382 $22 $114 $1,421 $118
Get Your Own Custom Quote Go

Ford Edge insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $158 $256 $382 $22 $114 $932 $78
Edge SE AWD $158 $312 $382 $22 $114 $988 $82
Edge SEL 2WD $158 $312 $382 $22 $114 $988 $82
Edge Limited 2WD $158 $312 $382 $22 $114 $988 $82
Edge SEL AWD $158 $312 $382 $22 $114 $988 $82
Edge Limited AWD $182 $368 $382 $22 $114 $1,068 $89
Edge Sport 2WD $182 $368 $382 $22 $114 $1,068 $89
Edge Sport AWD $182 $368 $382 $22 $114 $1,068 $89
Get Your Own Custom Quote Go

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.Save money with discounts

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:

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.

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.

Insurance agents in El PasoTo 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.

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.

8500 Dyer St Ste 7El Paso, TX 79904(915) 755-2201View Map

6065 Montana Ave STE C1El Paso, TX 79925(915) 775-2553View Map

Frank Parga Jr – State Farm Insurance Agent
4141 Pinnacle St #105El Paso, TX 79902(915) 532-1423View Map

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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.

7636 Gateway Blvd EEl Paso, TX 79915(915) 592-0999View Map

7500 Viscount Suite 101El Paso, TX 79925(830) 534-9623View Map

1155 N Zaragoza Rd #105El Paso, TX 79907(915) 613-4800View Map

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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.