Who Has Affordable Chula Vista Auto Insurance Rates for a Ford Edge?

Finding the cheapest coverage for a Ford Edge in California hinges on a lot of different factors such as driver age, your credit rating, and physical damage deductibles. California drivers will pay on average $1,294 each year for Edge insurance, but that is an approximation calculated using a 40-year-old married male driver with full coverage and $250 deductibles.

There is a good probability you aren’t exactly 40 years old or even a male, maybe you are single instead of married, and you may just want the cheapest liability coverage you can find. Auto insurance requires individual risk assessment, so the only real way to find affordable rates for your Ford is to do the rate comparisons yourself.

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Your vehicle’s trim level will influence the cost of insurance, so the price you will pay to insure a Edge SE 2WD model will be $230 less than the price to insure the fancier Edge Sport AWD model, as demonstrated by the prices below.

Ford Edge Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $270 $434 $456 $26 $136 $1,322 $110
Edge SE AWD $270 $530 $456 $26 $136 $1,418 $118
Edge SEL 2WD $270 $530 $456 $26 $136 $1,418 $118
Edge Limited 2WD $270 $530 $456 $26 $136 $1,418 $118
Edge SEL AWD $270 $530 $456 $26 $136 $1,418 $118
Edge Limited AWD $310 $624 $456 $26 $136 $1,552 $129
Edge Sport 2WD $310 $624 $456 $26 $136 $1,552 $129
Edge Sport AWD $310 $624 $456 $26 $136 $1,552 $129
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific location information which can alter auto insurance rates significantly.

Which car insurance company is best in California?

Insuring your vehicle with the top auto insurance company is hard considering how many different companies there are to choose from in California. The company information displayed below could help you choose which coverage providers you want to consider purchasing a policy from.

The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in these rankings. To check prices from the insurers below and more, follow this link.

Top 10 Large Car Insurance Companies Overall in Chula Vista

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Should you buy full coverage?

Saving money when shopping for car insurance is important to most people, and one common way to pay lower rates for insurance for a Ford Edge is to buy liability only. The example below shows the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims, a clean driving record, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

As an overall average, physical damage coverage costs an extra $2,155 per year more than just buying liability only. That raises the question when is the right time to remove full coverage. There is no set rule of when to phase out physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your deductible. If you are paying in excess of $500 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Here’s why you should shop around

Chula Vista, CA car insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Improving your credit score, having a teen driver, or getting a couple of tickets can cause premium changes resulting in some companies being more affordable than others.

In addition, car insurance companies change rates as often as every quarter to adjust for gains or losses. Unexpectedly high claims may cause more expensive prices, while a profitable period may cause more affordable Edge insurance rates.

To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Chula Vista, CA for a 40-year-old male driver with no accidents or violations, and a good credit rating. If we estimate prices based on his current risk profile, USAA may offer the cheapest car insurance rates in Chula Vista at $1,160 a year. This is $491 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are the rest of the best Chula Vista, CA auto insurance companies.

In this example, we will give the driver from the first example a couple of claims, slightly worse credit, and an imperfect driving record. Since each auto insurer has a different formula to establish rates, comparing rates could result in a significantly different list of affordable companies as shown below.

Grange now has the best car insurance rate in Chula Vista, CA with GEICO, Mercury, Progressive, and Allstate also having competitive pricing. This shows why consumers need to take the time to shop around to find the lowest auto insurance rates for a Ford Edge. Insurance prices can be determined by many factors and can increase or decrease at any time, so the best price when you bought your policy may now cost much more than other companies.