Finding the best cheap auto insurance for a Ford Edge relies on many factors such as the safety rating for your Edge, your credit rating, and violations on your driving record. Drivers will pay on average $950 a year for Edge insurance, but that price is an estimate based on a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
But there is a high likelihood that you are not 50 and maybe not even a female, married instead of single, and maybe your Edge is older and does not require full coverage. Even a minor change in policy rating criteria or coverages could result in a significant change in the price of a policy.
Auto insurance is unique to each driver, so the best method for finding the cheapest insurance price for your Ford is to do your own rate comparisons.
Vehicle trim level tends to have a direct impact on the annual cost of coverage, so the price to insure a Edge SE 2WD will be $178 cheaper than the insurance cost for the fancier Edge Sport AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Edge SE 2WD||$182||$352||$318||$18||$94||$964||$80|
|Edge SE AWD||$182||$428||$318||$18||$94||$1,040||$87|
|Edge SEL 2WD||$182||$428||$318||$18||$94||$1,040||$87|
|Edge Limited 2WD||$182||$428||$318||$18||$94||$1,040||$87|
|Edge SEL AWD||$182||$428||$318||$18||$94||$1,040||$87|
|Edge Limited AWD||$208||$504||$318||$18||$94||$1,142||$95|
|Edge Sport 2WD||$208||$504||$318||$18||$94||$1,142||$95|
|Edge Sport AWD||$208||$504||$318||$18||$94||$1,142||$95|
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in Fort Wayne location which can influence coverage rates substantially.
Determining which company offers the cheapest insurance rates for a Ford Edge may require a tad more effort in order to find the most economical policy. Each company has a unique approach for filing rates in each state, so we’ll go over the insurance companies that tend to be cheaper in Indiana.
Keep in mind that Fort Wayne, IN insurance rates are impacted by many things that will increase or decrease the policy price. Improving your credit rating, buying higher coverage limits, or getting a speeding ticket may generate price changes that can now make some companies cheaper than before.
Lowest Insurance Price Quotes for Your Edge
|Rank||Company||Cost Per Year|
|5||Indiana Farmers Mutual||$841|
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Travelers has some of the lowest car insurance rates in Fort Wayne at around $596 per year. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also are some of the cheaper Fort Wayne, IN car insurance companies.
As shown above, if you buy coverage from Cincinnati Insurance and switched to Travelers, you might see an annual premium reduction of roughly $62. Drivers with USAA might save as much as $65 a year, and Erie insureds might lower prices by $116 a year.
Understand that those policy rates are averaged for all types of insureds and vehicles and do not take into consideration a specific zip code for a Ford Edge. So the auto insurance company that is most affordable for your situation may not even be in the list above. That illustrates why you need to get car insurance quotes using your own personal information and vehicle type.
Get discount Fort Wayne auto insurance
Insurance providers that provide policies for a Ford Edge may also offer discounts that may potentially lower prices by 40% or more if you meet specific criteria. A few popular companies and the discounts they provide can be read below.
- Farm Bureau includes discounts for driver training, good student, 55 and retired, youthful driver, multi-policy, renewal discount, and multi-vehicle.
- State Farm discounts include safe vehicle, multiple autos, Drive Safe & Save, passive restraint, multiple policy, and anti-theft.
- Progressive offers discounts for multi-vehicle, multi-policy, homeowner, continuous coverage, and online signing.
- Allstate may offer discounts for FullPay discount, new car, safe driver, economy car, and good student.
- Nationwide has savings for Farm Bureau membership, accident-free, multi-policy, anti-theft, good student, and defensive driving.
- MetLife has discounts for multi-policy, claim-free, good driver, good student, defensive driver, and accident-free.
The information below compares insurance costs with and without discounts. Data assumes a female driver, no accidents or driving violations, Indiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, anti-theft, accident-free, homeowner, multiple vehicle, and claim-free discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for a Ford Edge is 28% or $493.
The example below highlights how deductible selection can increase or decrease annual premium costs when quoting cheap insurance for a Ford Edge. The premiums are based on a single female driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could pocket $258 a year by switching from a $100 deductible up to a $500 deductible, or save $386 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old example, have the ability to save up to $660 every year by using a higher deductible. If you do raise deductibles, it will now be necessary to have plenty of money set aside to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Why are you paying too much to insure your Edge?
Indiana insurance rates are calculated based on many things that will increase or decrease the policy price. Simply getting older, buying a home instead of renting, or getting a few speeding tickets may prompt premium changes that can now make some companies affordable when they were higher priced.
And not only may your rating factors change, but insurance companies file new Indiana car insurance rates as often as every three months to reflect underwriting profits or losses. Larger than normal claims may result in higher priced premiums, while profitable underwriting can result in more affordable Edge insurance rates.
The chart below compares the cheapest car insurance in Fort Wayne, IN for a 40-year-old female driver with no accidents, a clean driving record, and great credit. When quoting prices based on her current rating profile, Travelers has the lowest car insurance rates in Fort Wayne at $673 each year. This is $567 less than the average rate paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Indiana Farmers Mutual also make the list of the best Fort Wayne, IN auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart an accident claim, a lower credit score, and a couple of points charged on her driving record. Since each insurance company uses their own method to establish rates, comparing prices could result in a new list of affordable companies as shown below.
Western Reserve now has the lowest price in Fort Wayne with Auto-Owners, Nationwide, Motorists Mutual, and USAA now rounding out the top five. This example demonstrates why it is crucial to spend some time comparing rates to find affordable car insurance quotes for a Ford Edge.
Rates are impacted by many risk factors and change substantially, so the most economical company when you bought your policy may now be quite expensive.
How to find cheaper auto insurance for a Ford Edge
It’s not impossible to find cheaper rates, and here are a few money-saving suggestions that can help drivers find cheap car insurance.
- Safe vehicles generally have lower rates
- Bundle home and auto and save
- Increase your comprehensive and collision deductibles
- Older vehicles may not need full coverage
- Improve your credit
- Earn discounts for being claim-free
- Shop around for lower rates once a year
That last idea is extraordinarily valuable, as was pointed out in the prior article. Rates adjust frequently, so drivers shouldn’t hesitate to change to a new company if you can save money. Loyalty to a specific company is fine, but it’s not a great idea if it’s costing you a considerable chunk of change every month. It only take a few minutes to compare prices and find cheaper auto insurance for a Ford Edge in Fort Wayne.
The agents below can aid you in deciding which policy is best, since lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when trying to find lower insurance rates for a Ford Edge. It’s not always easy to find the cheapest rate yourself, and using a licensed agent can give comfort knowing you have adequate asset protection.
To find a Fort Wayne insurance agency in your neighborhood, click the link at the bottom.
- Northern Insurance
7113 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 969-5613
- Stoller-Dunham Insurance Agency
6058 E State Blvd – Fort Wayne, IN 46815 – (260) 749-4970
- Jackson Insurance Agency
809 S Calhoun St #308 – Fort Wayne, IN 46802 – (260) 434-0352
- Connie Stickler – State Farm Insurance Agent
7105 Old Trail Rd – Fort Wayne, IN 46809 – (260) 747-2626