Cheapest Insurance for a Ford Edge in Vermont

When we talk about car insurance, the words “cheap” or “affordable” really should not be used anywhere in the article to describe car insurance prices. It’s a simple fact that cheap car insurance for a Ford Edge is almost non-existent. Don’t get your dauber down, because we will teach you how you can quote car insurance that won’t break the bank.

Whether or not you can find cheap car insurance for a Ford Edge in Vermont depends upon a whole bunch of factors like the safety features of your vehicle, if you have a coverage lapse, and any prior driving offenses. Drivers pay approximately $750 annually to insure their Edge, but that rate is an estimation based on cost data for a 30-year-old single male driver that wants full comprehensive and collision coverage and $500 physical damage deductibles.

It’s more than likely you are not 30 and maybe not even a male, possibly married instead of single, or maybe you don’t qualify for the same discounts. There is no perfect policy for every driver, so the only way to find the most affordable coverage for your Ford is to put in the effort and compare rates.

Insure Your Ford for Less

The trim level of your Ford tends to impact the cost of coverage, so the price you will be charged to insure a Edge SE 2WD will be $110 lower than the insurance cost for the higher-end Edge Sport AWD trim level, as shown below.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower prices considerably.

Selecting a good quality insurance company is hard considering how many choices you have in Vermont. The company ratings displayed below can help you analyze which car insurance providers to look at buying from. The rankings below are only made up of the companies with a significant amount of written premium nationwide, so smaller regional companies are not factored into these rankings.

Discount Vermont auto insurance rates

Auto insurance companies that provide the cheapest insurance for a Ford Edge in Vermont could also offer rate discounts that could potentially reduce rates by as much as 35% if you are eligible for them. A list of insurance companies and their offered discounts are outlined below.

• Farm Bureau may include discounts for multi-vehicle, safe driver, driver training, renewal discount, multi-policy, and 55 and retired.
• MetLife offers discounts for claim-free, defensive driver, multi-policy, good driver, good student, accident-free
• Progressive offers premium reductions for multi-policy, online quote discount, good student, homeowner, online signing, and multi-vehicle.
• AAA includes discounts for multi-policy, anti-theft, good driver, AAA membership discount, education and occupation, pay-in-full, and multi-car.
• American Family policyholders can earn discounts including TimeAway discount, defensive driver, accident-free, multi-vehicle, and mySafetyValet.
• GEICO discounts include five-year accident-free, military active duty, emergency military deployment, defensive driver, multi-policy, and air bags.
• State Farm has savings for safe vehicle, multiple autos, student away at school, defensive driving training, good student, and accident-free.

The chart below visualizes the comparison of car insurance rates with and without discounts applied. The data assumes a male driver, a clean driving record, no claims, Vermont state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, defensive driving course, safe-driver, multiple vehicle, marriage, and vehicle safety discounts applied. When discounts are applied, the average amount saved each year on insurance for a Ford Edge is 28% or $326.

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The information below highlights how deductible choice can change yearly insurance costs when trying to find cheap insurance for a Ford Edge. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

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The chart above illustrates that a 50-year-old driver could lower rates by $224 a year by switching from a $100 deductible to a $500 deductible, or save $336 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, could possibly save $754 or more by selecting a higher deductible.

If you do decide to increase your deductibles, it is necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.

Best rates: Allstate, Geico, Progressive, or State Farm

If you want reliable auto insurance, the top insurers to get price quotes from are Allstate, Geico, Progressive, and State Farm. The data below illustrates ratings and policy coverage options that you can purchase from each one.

Who has the cheapest Ford Edge insurance quotes?

Due to technology, there are many ways to find affordable insurance in Vermont, but the most preferred methods are through a captive (or exclusive) agent like State Farm or Allstate, an independent agent, or direct either online or via phone. You can use whichever method you prefer, but it’s important to point out the distinctions in how they function.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from each one. Independent agents do not work for one specific company and can compare multiple rates, which may give you the best shot at cutting your rates. If the agent locates a cheaper price, your policy can be easily switched to a new company and you do not have to find a new agent.

Exclusive agents are only able to write business for a single company, two popular examples being an Auto-Owners or Allstate agent. Exclusive agents generally are unable to give you multiple price quotes, so they are skilled at selling on more than just price.

Choosing to buy insurance direct means you bypass the middleman (the agent) and instead buy direct from companies such as Geico or Progressive. Buying insurance direct may be good for drivers who do not need high amounts of coverage and know more than average about how insurance works and possible exclusions.

So which of those three methods works best to find the cheapest insurance for a Ford Edge in Vermont? The quick answer would be buying from a direct company results in the best prices because there isn’t an agent involved, but unfortunately, it’s not that cut and dried. We could also say that an independent agent saves the most money because they can shop around, but again, that’s not accurate. And occasionally, exclusive agents have coverage prices that are the cheapest in Vermont.

Because there are so many factors that make up insurance rates, really the only way to buy the cheapest policy is to get as many comparison quotes as possible. Experts recommend getting price quotes from independent, exclusive, and direct to give yourself the best selection. For a list of companies with online discounts, click here to view.