Finding cheaper San Antonio auto insurance quotes online can seem difficult if you are like the majority of consumers and have never used online quoting. But don’t be overwhelmed because it’s actually quite easy to find cheap Ford Edge in San Antonio.
It’s an obvious assumption that insurance companies don’t want policyholders to shop around. Insureds who shop around for cheaper prices are very likely to switch to a new company because there is a high probability of finding a cheaper policy. A recent survey discovered that consumers who shopped around every year saved an average of $70 a month as compared to drivers who never shopped for cheaper rates.
If saving the most money on insurance in San Antonio is why you’re here, then learning about the best ways to find and compare coverages can help you be more efficient.
It’s important to do rate comparisons before your next renewal because prices are usually higher with each renewal. If you had the lowest rates on Ford Edge insurance in San Antonio a few years ago you can probably find a lower rate today. There are lots of tips to save on Edge insurance online but in a few minutes you can learn a bunch of ideas how to reduce your car insurance bill.
Finding the cheapest insurance coverage in San Antonio is actually very simple if you learn how to start. Nearly every driver who is required by state law to have insurance will most likely find a cheaper policy. But Texas consumers do need to learn the methods companies use to set your policy premium.
Low Cost companies for Ford Edge insurance
The providers in the list below have been selected to offer price quotes in San Antonio, TX. If multiple providers are shown, we recommend you visit two to three different companies to get a more complete price comparison.
Detailed insurance information
The information shown below outlines detailed analysis of coverage prices for Ford Edge models. Understanding how insurance premiums are established can help guide drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $220 | $404 | $358 | $22 | $108 | $1,112 | $93 |
| Edge SE AWD | $220 | $492 | $358 | $22 | $108 | $1,200 | $100 |
| Edge SEL 2WD | $220 | $492 | $358 | $22 | $108 | $1,200 | $100 |
| Edge Limited 2WD | $220 | $492 | $358 | $22 | $108 | $1,200 | $100 |
| Edge SEL AWD | $220 | $492 | $358 | $22 | $108 | $1,200 | $100 |
| Edge Limited AWD | $252 | $580 | $358 | $22 | $108 | $1,320 | $110 |
| Edge Sport 2WD | $252 | $580 | $358 | $22 | $108 | $1,320 | $110 |
| Edge Sport AWD | $252 | $580 | $358 | $22 | $108 | $1,320 | $110 |
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in your specific San Antonio location which can lower or raise prices considerably.
The information below illustrates how your choice of deductibles and can influence Ford Edge insurance premiums for each age group. The premium estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Impact of careless driving on car insurance rates
The example below illustrates how violations and at-fault accidents increase Ford Edge yearly insurance costs for each age group. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Car insurance rates by age and gender
The example below shows the difference between Ford Edge auto insurance rates for male and female drivers. The premiums assume no accidents, no driving violations, comp and collision included, $250 deductibles, single marital status, and no policy discounts are applied.
Smart Consumers Can Cut Insurance Costs
Many factors are part of the calculation when you get your auto insurance bill. Some are obvious like your driving record, but other factors are not quite as obvious like where you live or your commute time.
The itemized list below are a partial list of the pieces insurance companies consider when setting your prices.
Premiums are high for teenagers – Young drivers in Texas have been known to be inattentive when at the wheel of a vehicle therefore insurance rates are much higher. Having to add a teenage driver onto your insurance can really hurt. Older drivers tend to be more responsible, tend to file fewer claims, and are generally more financially stable.
The next chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Costs may be higher where you live – Residing in a rural area has definite advantages when it comes to insurance. Fewer drivers and short commutes corresponds to lower accident rates and lower theft and vandalism rates. People in densely populated areas tend to have more aggressive driving styles and more time behind the wheel. More time on the road can result in more accidents.
Pay more of a claim out-of-pocket – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and windstorm damage. Deductibles for physical damage define the amount you are willing to pay if you file a covered claim. The larger the amount you are required to pay out-of-pocket, the less your insurance will be.
Additional coverages that may be costing you – There are many additional coverages that can add up on your insurance policy. Insurance for things like coverage for rental cars, towing coverage, and motor club memberships are probably not needed. These coverages may sound good when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.
Insurance loss data for Ford Edge vehicles – Insurance companies use historical loss data to calculate a price that offsets possible losses. Models that historically have higher claim amounts or frequency will have increased rates. The table below outlines the collected loss data for Ford Edge vehicles.
For each policy coverage, the statistical loss for all vehicles, as an average, is a value of 100. Values below 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate frequent claims or statistically larger losses.
| Specific Ford Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Edge 4dr 2WD | 53 | 93 | ||||
| Ford Edge 4dr 4WD | 71 | 108 | 75 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Get cheaper rates by receiving discounts
Insurance can be prohibitively expensive, but companies offer discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time you complete a quote, but occasionally some discounts must be specifically requested before you will receive the discount.
- Early Signing – Some larger companies give discounts for switching policies early. You can save around 10% with this discount.
- Senior Discount – Drivers that qualify as senior citizens could receive a small decrease in premiums.
- Passive Restraint Discount – Factory air bags may get savings of up to 25% or more.
- Telematics Discount – People who choose to allow their insurance company to spy on their driving habits remotely like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
- No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts in comparison with accident-prone drivers.
- Defensive Driver – Taking time to complete a driver safety course is a good idea and can lower rates if you qualify.
- Low Mileage Discounts – Keeping the miles down on your Ford could qualify for cheaper premium rates.
- Multi-policy Discount – If you insure your home and vehicles with one company you will save over 10 percent off each policy depending on the company.
Don’t be shocked that many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, you aren’t that lucky.
The diagram below illustrates the comparison of Ford Edge car insurance rates with and without discounts. The information is based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, multi-policy, homeowner, and safe-driver discounts applied.
To choose insurance companies offering car insurance discounts in San Antonio, click here.
Neighborhood San Antonio auto insurance agents
Some consumers would rather sit down and talk to an agent and doing so can bring peace of mind One of the benefits of comparing rates online is you may find lower rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is transmitted to participating agents in San Antonio that can provide free San Antonio auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent directly to your email. You can find better rates without requiring a lot of work. In the event you want to compare rates from a particular provider, feel free to find their quoting web page and submit a quote form there.
Picking the best company requires more thought than just a cheap price quote. Here are some questions you might want to ask.
- Where would your vehicle be repaired?
- Which companies can they place coverage with?
- Do they get paid more for recommending certain coverages?
- How would your car be valued if totaled?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Below is a short list of insurance companies in San Antonio who can help you get rate quotes for Ford Edge insurance in San Antonio.
- Donnie Britt – State Farm Insurance Agent
6324 NW Loop 410 – San Antonio, TX 78238 – (210) 647-1174 – View Map - Deserae Navarro – State Farm Insurance Agent
5975 Bandera Rd – San Antonio, TX 78238 – (210) 647-7975 – View Map - Rivers Schara – State Farm Insurance Agent
1775 Encino Rio Boulevard – San Antonio, TX 78259 – (210) 496-9533 – View Map - Trent Rosenkranz – State Farm Insurance Agent
1840 S General McMullen Dr #109 – San Antonio, TX 78226 – (210) 433-9000 – View Map
Affordable rates are available
Drivers who switch companies do it for any number of reasons including delays in paying claims, not issuing a premium refund, delays in responding to claim requests and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company can be pretty painless.
When you buy San Antonio auto insurance online, do not buy less coverage just to save a little money. In many instances, someone dropped collision coverage to discover at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at an affordable rate, but do not skimp to save money.
Budget-friendly insurance in San Antonio can be bought on the web and with local San Antonio insurance agents, so you need to quote San Antonio auto insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get quotes online and many times these smaller companies prefer to sell through independent agents.
Additional resources
- Credit and Insurance Scores (Insurance Information Institute)
- What Insurance is Cheapest for 4×4 Vehicles in San Antonio? (FAQ)
- Who Has Affordable San Antonio Auto Insurance Rates for a Toyota RAV4? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Understanding Rental Car Insurance (Insurance Information Institute)