Save Money on Ford Edge Insurance in Lubbock

  1. Home
  2. >
  3. Lubbock Auto Insurance
  4. >
  5. Ford Edge

Ford Edge insurance cost
Ford Edge insurance cost image courtesy of

Insurance rates Ford Edge in LubbockDo you want a faster way to compare more affordable Ford Edge insurance in Lubbock? Did a good deal turn into high-priced Ford Edge insurance in Lubbock? Believe me, there are lots of Lubbock residents who feel the same.

Surprisingly, a recent survey revealed that the vast majority of consumers kept buying from the same company for well over three years, and virtually 40% of consumers have never quoted car insurance rates at all. Drivers in Texas can cut their rates by roughly 70% a year, but they just assume it takes a lot of time to compare other rate quotes.

Steps to buying lower priced Ford Edge insurance in Lubbock

If saving the most money is your goal, then the best way to get cheaper auto insurance rates in Lubbock is to regularly compare prices from insurance carriers who provide auto insurance in Texas. You can shop around by completing these steps.

  1. Take a few minutes and learn about coverages and the measures you can control to keep rates in check. Many things that result in higher rates like multiple speeding tickets and poor credit history can be improved by being financially responsible and driving safely. Later in this article we will cover more ideas to help keep prices low and get additional discounts that may have been overlooked.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while agents who are independent can give you price quotes for a wide range of insurance providers.
  3. Compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates, ensure there is no coverage lapse between policies.
  4. Provide proper notification to your current company of your intention to cancel your current coverage and submit payment and a completed application to the new insurer. Once received, place your new proof of insurance certificate above your visor, in the console, or in the glove compartment.

The key thing to know about shopping around is to make sure you're comparing similar limits and deductibles on every quote request and and to compare as many companies as you can. This guarantees an apples-to-apples comparison and a thorough selection of prices.

Multiple insurance companies compete for your business, and it can be difficult to compare rates to discover the definitive best rate on Ford Edge insurance in Lubbock.

If you already have coverage, you will definitely be able to reduce the price you pay using this strategy. Finding affordable auto insurance coverage in Lubbock is really quite simple as long as you have a good starting point. But Texas car owners can benefit from knowing the methods companies use to determine how much to charge because rates are impacted by many factors.

Most larger insurance companies like 21st Century, Allstate and State Farm provide coverage price quotes online. Doing online price comparisons for Ford Edge insurance in Lubbock is pretty painless as you simply type in the amount of coverage you want into the form. Once you submit the form, their quoting system obtains credit information and your driving record and returns a price based on the data you entered. Getting online rates for Ford Edge insurance in Lubbock helps simplify price comparisons, and it's absolutely necessary to do this in order to get the best rate.

To save time and compare pricing, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you input the insurance coverages just like they are on your policy. This helps ensure you're receiving an apples-to-apples comparison for exact coverage.

The following companies provide comparison quotes in Lubbock, TX. To find cheap car insurance in TX, we recommend you click on several of them in order to get a fair rate comparison.

Detailed insurance information

The price information below covers detailed analysis of coverage prices for Ford Edge models. Having a better idea how policy rates are established helps drivers make smart choices when choosing a car insurance company.

Ford Edge Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $260 $448 $392 $24 $118 $1,242 $104
Edge SE AWD $260 $544 $392 $24 $118 $1,338 $112
Edge SEL 2WD $260 $544 $392 $24 $118 $1,338 $112
Edge Limited 2WD $260 $544 $392 $24 $118 $1,338 $112
Edge SEL AWD $260 $544 $392 $24 $118 $1,338 $112
Edge Limited AWD $298 $642 $392 $24 $118 $1,474 $123
Edge Sport 2WD $298 $642 $392 $24 $118 $1,474 $123
Edge Sport AWD $298 $642 $392 $24 $118 $1,474 $123
Get Your Own Custom Quote Go

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in garaging location in Lubbock which can increase or decrease insurance rates greatly.

Higher deductibles save money

One common question asked by Lubbock drivers is at what level do you set your deductibles. The rates shown below may help you to understand the differences in premium rates when you select higher and lower deductibles. The first table uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Ford Edge insurance premium 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 premium 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

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can influence auto insurance rates noticeably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $27 more each month or $324 annually averaged for all Edge models than choosing the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 28 months between claims, you would probably save some money by going with a higher deductible.

The example below demonstrates how deductibles and can increase or decrease Ford Edge premium costs for different ages of insureds. The prices are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Situations that may require an agent's advice

When buying a policy, there really is not a single plan that fits everyone. You are unique.Safe vehicles cost less to insure

For instance, these questions might point out whether you may require specific advice.

  • What is glass protection for?
  • Is my Ford Edge covered if I use it for business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why are teen drivers so expensive to add on to my policy?
  • Can I make deliveries for my home business?

If you can't answer these questions, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form.

Insurance agent or online?

A small number of people prefer to sit down with an agent and that can be a smart move A nice benefit of comparing rates online is the fact that you can find cheap insurance rates and also buy local.

By using this short form, the quote information is submitted to companies in Lubbock who will give you quotes to get your business. It simplifies rate comparisons since you won't have to contact an agency because prices are sent straight to your inbox. Get lower rates AND a local agent. If you want to compare rates from a specific insurance provider, you would need to go to their quote page to submit a rate quote request.

Choosing the best insurer is decision based upon more than just the bottom line cost. Here are some questions you might want to ask.

  • Which companies do they recommend if they are an independent agency?
  • Do you work with a CSR or direct with the agent?
  • How would your car be valued if totaled?
  • Are they primarily personal or commercial lines agents in Lubbock?
  • Does the agent have professional designations like CIC, CPCU or AIC?

If you would like to find a local Lubbock insurance agency, you need to know there are two different types of agencies and how they operate. Agents can be categorized as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

These type of agents can only quote rates from one company like Farmers Insurance or State Farm. Exclusive agents are unable to compare rates from other companies so they really need to provide good service. These agents are well trained on the products they sell which helps them sell insurance even at higher premiums.

Shown below are Lubbock exclusive insurance agents that are able to give price quote information.

13413 County Rd 1800 Unit D - Lubbock, TX 79424 - (806) 783-9998 - View Map

3206 34th St - Lubbock, TX 79410 - (806) 791-2892 - View Map

2418 19th St - Lubbock, TX 79401 - (806) 799-1628 - View Map

More Lubbock agents

Independent Agents (or Brokers)

Independent agents are normally appointed by many insurers and that enables them to quote your coverage through many companies and find the cheapest rate. If they quote lower rates, they simply switch companies in-house and you won't have to switch agencies. When shopping rates, you will want to get several quotes from at a minimum one independent agency to get the best comparison.

Listed below is a short list of independent agents in Lubbock that are able to give comparison quotes.

2508 Auburn St - Lubbock, TX 79415 - (806) 749-8600 - View Map

5241 98th St - Lubbock, TX 79424 - (806) 792-5564 - View Map

1651 Broadway St - Lubbock, TX 79401 - (806) 762-0544 - View Map

More Lubbock agents

After talking to the agent and getting good answers as well as a affordable price, chances are good that you have found an insurance agent that will properly service your insurance policy.