If you want to find the absolute lowest rates, then the best way to save on Ford Edge insurance in Chandler is to compare prices at least once a year from companies who provide auto insurance in Arizona.
- Step 1: It will benefit you to learn about how insurance companies determine prices and the things you can control to keep rates low. Many rating factors that result in higher rates like accidents, careless driving, and a bad credit rating can be rectified by making minor changes in your lifestyle. Read the full article for additional ideas to help prevent high rates and get bigger discounts.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while agents who are independent can quote rates for many different companies. View rates
- Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper Edge coverage is available in Chandler. If you find a lower rate quote and switch companies, ensure there is no coverage lapse between policies.
The key aspect of shopping around is to compare similar limits and deductibles on every quote and and to compare every insurance company. This provides an accurate price comparison and the most accurate and complete price analysis.
It goes without saying that car insurance companies don’t want customers comparing rates. People who shop around for the cheapest price are very likely to buy a different policy because of the good chance of finding a cheaper policy. A recent survey discovered that consumers who regularly compared rates saved $865 a year as compared to drivers who never compared rates.
If finding the lowest price on insurance in Chandler is your goal, then knowing the best ways to find and compare coverages can make it simple to find affordable coverage.
All major insurance companies like Progressive, GEICO, Allstate and State Farm give coverage prices online. Obtaining pricing for Ford Edge insurance in Chandler is easy for anyone as all you need to do is type in the coverage amounts you desire as requested by the quote form. After you complete the form, the company’s rating system pulls credit information and your driving record and generates pricing information.
Using the web to get rates for Ford Edge insurance in Chandler helps simplify price comparisons, and it’s also necessary to do this if you are searching for cheap rates.
If you want to compare rates using this form now, compare quotes from the companies shown below. If you have a policy now, it’s recommended you input the insurance coverages exactly as shown on your declarations page. This helps ensure you will get an apples-to-apples comparison using the exact same coverages.
The following companies have been selected to offer price comparisons in Chandler, AZ. To locate cheaper car insurance in Chandler, we recommend you click on several of them to get the most competitive price.
Coverage statistics and figures
The premium information below covers estimates of insurance policy prices for Ford Edge models. Having insight into how insurance rates are formulated can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $142 | $266 | $338 | $20 | $102 | $868 | $72 |
| Edge SE AWD | $142 | $324 | $338 | $20 | $102 | $926 | $77 |
| Edge SEL 2WD | $142 | $324 | $338 | $20 | $102 | $926 | $77 |
| Edge Limited 2WD | $142 | $324 | $338 | $20 | $102 | $926 | $77 |
| Edge SEL AWD | $142 | $324 | $338 | $20 | $102 | $926 | $77 |
| Edge Limited AWD | $162 | $382 | $338 | $20 | $102 | $1,004 | $84 |
| Edge Sport 2WD | $162 | $382 | $338 | $20 | $102 | $1,004 | $84 |
| Edge Sport AWD | $162 | $382 | $338 | $20 | $102 | $1,004 | $84 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in zip code location which can revise auto insurance rates considerably.
Deductible analysis
One of the more difficult decisions when buying insurance is which deductibles should you choose. The rates below may aid in understanding the rate difference between low and high comp and collision deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $202 | $320 | $300 | $18 | $90 | $955 | $80 |
| Edge SE AWD | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Edge SEL 2WD | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Edge Limited 2WD | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Edge SEL AWD | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Edge Limited AWD | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Edge Sport 2WD | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Edge Sport AWD | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Edge SE AWD | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Edge SEL 2WD | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Edge Limited 2WD | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Edge SEL AWD | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Edge Limited AWD | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Edge Sport 2WD | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Edge Sport AWD | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Chandler which can affect rates significantly.
Based on these figures, using a $250 deductible will cost in the ballpark of $12 more each month or $144 each year across all Ford Edge models than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 21 months between claim filings, you would probably come out ahead going with the higher deductible. The table below illustrates a better example of how this determination is made.
| Average monthly premium for $250 deductibles: | $88 |
| Average monthly premium for $500 deductibles (subtract): | – $76 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
The illustration below demonstrates how deductible levels and can impact Ford Edge insurance prices for different insured age categories. The data is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Insurance is available from local agents
A small number of people just want to go talk to an agent and that is OK! Agents can help determine the best coverages and help submit paperwork. One of the benefits of comparing rates online is that you can obtain cheap insurance rates and still buy from a local agent. And buying from neighborhood agents is still important in Chandler.
Once you complete this quick form, your insurance data is emailed to agents in your area who can give free rate quotes and help you find cheaper coverage. There is no reason to contact an agency as quotes are delivered straight to your inbox. If you have a need to get a rate quote from a specific insurance provider, you would need to jump over to their website and complete a quote there.
Chandler car insurance agents come in two flavors
If you are wanting to find a local Chandler insurance agency, you should know the types of agencies and how they are distinctly different. Agents in Chandler can either be independent agents or exclusive agents. Either type can insure your vehicles properly, but it’s a good idea to understand why they differ since it can affect your selection of an agent.
Independent Insurance Agents
Agents in the independent channel are appointed with more than one company and that enables them to quote your coverage amongst many companies and find you the best rates. To move your coverage to a new company, the agent simply finds a different carrier which makes it simple for you.
When comparing insurance prices, you will want to compare quotes from several independent insurance agents to get the best comparison. Most independent agents also contract with smaller companies that many times have cheaper rates.
Below are Chandler independent agents that may be able to give you free insurance rate quotes.
- San Marcos Insurance Group
584 W Chandler Blvd – Chandler, AZ 85225 – (480) 899-6633 – View Map - Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797 – View Map - Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map
Exclusive Insurance Agents
These type of agents can usually just insure with one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so it’s a take it or leave it situation. They are well trained on the products they sell which helps them sell insurance even at higher premiums. A lot of people buy from the same agent for years partially due to the brand legacy and the convenience of having a single billing for all their coverages.
The following are Chandler exclusive agencies willing to provide comparison quotes.
- Allstate Insurance: Thomas Lane
1835 W Chandler Blvd Ste 201 – Chandler, AZ 85224 – (480) 857-1384 – View Map - Roger Morsch – State Farm Insurance Agent
2450 S Arizona Ave #6 – Chandler, AZ 85286 – (480) 855-4632 – View Map - Paula Koroso – State Farm Insurance Agent
569 N Arizona Ave – Chandler, AZ 85225 – (480) 792-1400 – View Map
Picking a auto insurance agent needs to be determined by more than just the quoted price. Any agent in Chandler should be forthright in answering these questions:
- Will the company cover a rental car if your car is getting fixed?
- What are the financial ratings for the companies they represent?
- Do you need full coverage on every vehicle?
- How long has the business existed?
- Are they primarily personal or commercial lines agents in Chandler?
Arizona car insurance company ratings
Buying coverage from a highly-rated auto insurance company can be a challenge considering how many choices there are in Arizona. The ranking data shown next could help you decide which providers you want to consider when comparing rate quotes.
| 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 |
| 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