Cheap Insurance for a Ford Edge in Oregon

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere to describe car insurance rates. Nonetheless, cheap auto insurance for a Ford Edge is not easy to find. Don’t let that discourage you, because we are going to show you some ways you can still find coverage that won’t break the bank.

The chances of buying the best cheap auto insurance for a Ford Edge in Oregon is contingent on lots of different rating factors like whether or not you are married, the size of your vehicle, and any driving offenses on your record. Drivers on average will pay $1,110 annually to insure a Ford Edge, but that figure is a projection based on rate data for a 50-year-old single male that includes full physical damage coverage and $100 deductibles.

Odds are that you are not a 50-year-old male, maybe you are married instead of single, and you need different coverage limits than the sample rates. Every insurance policy is unique to the driver, so the most reliable way to find cheap auto insurance rates for your Ford is to get into the habit of comparing rates once a year. It only takes a few minutes and you can get rates from top-rated car insurance companies that insure vehicles in Oregon.

Compare Ford Edge Insurance Rates

The specific trim level has an effect on the cost of coverage, so the cost to insure a Edge SE 2WD trim level will be $212 less than the cost to insure the high end Edge Sport AWD model, as shown below.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in garaging location in Oregon which can lower or raise coverage prices considerably.

Comparing quotes for reasonably-priced car insurance is difficult, and figuring out which company has the cheapest insurance rates for a Ford Edge calls for even more rate comparisons. Every insurance company uses a different method to establish rates, so let’s begin by examining the insurance companies with the overall best prices in Oregon.

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Grange may offer some of the most affordable car insurance rates in Oregon at around $694 annually. Oregon Mutual, Country, Travelers, and USAA also qualify as some of the most economical Oregon car insurance companies.

In this example, if you buy coverage from Travelers and switched to Grange, you might achieve annual savings of approxmiately $258. Insureds with USAA could save as much as $276 a year, and State Farm policyholders might cut rates by $377 a year.

To see if you’re overpaying, click here to begin a quote or click several companies below for low rates.

Bear in mind that those premiums are averages across all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Ford Edge. So the insurer that is most affordable for your situation may not even be shown in the above list. That emphasizes why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Responsible drivers pay cheaper Oregon insurance rates

The easiest way to snag cheap insurance for a Ford Edge in Oregon is to be a safe driver and not get tickets or have accidents. The information below shows how speeding tickets and at-fault fender-benders can drive up auto insurance costs for each age group. The premiums are based on a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

The data charted above shows the average cost of an auto insurance policy per year with no accidents or violations is $2,129. Receive two speeding tickets and the average cost increases to $2,824, an increase of $695 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for a Ford Edge jumps again to an average of $3,533. That’s an increase of $1,404, or $117 per month, just for not paying attention while driving!

Shop around and save

Oregon insurance rates are influenced by many factors which can significantly increase or decrease your annual premium. Simply turning a year older, adding a teenager to your policy, or having an accident may generate price changes that can now make some companies affordable when they were higher priced.

Also, companies change prices as often as every quarter to adjust for gains or losses. Higher than normal claims can cause more expensive prices, while a profitable period may produce cheaper Edge insurance rates.

For instance, the bar chart below shows the company with the cheapest car insurance in Oregon for a 30-year-old male driver with a clean driving record, no accidents, and great credit. When quoting prices based on his current risk profile, Grange may offer the most affordable car insurance rates in Oregon at $694 annually. This is $784 less than the average premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA also make the list of the cheapest Oregon auto insurance companies.

In this example, we will give the driver in the first chart a chargeable accident, bad credit, and a couple of points charged on his driving record. Because each insurer has a proprietary formula for setting rates, comparing rates will most likely result in a different list of the cheapest car insurance companies in Oregon as shown below.

GEICO now has the cheapest price in Oregon with Amica, Oregon Mutual, Allied, and California Casualty also being competitive. This shows why Oregon drivers need to shop around with many companies when trying to find the most economical insurance rates for a Ford Edge. Prices are calculated by many risk factors and change substantially, so the cheapest company the last time you shopped your coverage around may now be one of the higher cost companies.

How to get cheap insurance for a Ford Edge in Oregon

It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help you quote cheaper coverage.

• Higher credit ratings may save you money
• Save money by obeying traffic laws and keeping a clean driving record
• Buying your home and auto policies from the same company can earn a discount
• Raise physical damage deductibles
• Too many claims can make car insurance unaffordable
• At-fault accidents will increase rates
• Shop your coverage around for the best deal

The last idea is especially valuable, as we hit on in this article. Insurance rates change a lot, so don’t hesitate to buy from a different company if you find a cheaper price. Brand loyalty is not necessarily bad, but it’s not recommended if your bullheadedness ends up costing you money that could be used for better things. Take a couple minutes and shop around and find cheaper insurance for a Ford Edge.

Who has the cheapest Ford Edge insurance quotes?

There are many different ways to purchase insurance in Oregon, but the most popular are either through an independent agent, an exclusive agency such as Allstate or State Farm, or from a direct company like Geico. Each way has the same basic steps, but insurance buyers need to understand the differences in how they work.

Independent insurance agencies have contracts with many companies and can compare coverage rates with each one. These types of agents have the ability to give you a larger rate selection, which can give you the best shot at cutting your rates. If cheaper coverage is found, they simply switch companies in-house without having to get a different agent.

An exclusive ageny is only able to write business for one insurance company, two popular examples being Allstate or Farmers Insurance agents. Exclusive agents cannot provide rates from more than one company, which does not give you the best rate comparison.

Consumers who buy insurance direct forego a local agent and buy buying direct from a company like Esurance or Progressive. This option may be preferred by people who have fewer assets and know more than average about what coverages, limits, and deductibles they need.

So which one of the three ways works best to buy cheap insurance for a Ford Edge in Oregon? It would be premature to say buying direct saves the most money because there isn’t an agent involved, but that turns out to not be true. We could also say that an independent agency is the best way since they have access to many companies, but that’s not always true, either. In many circumstances, exclusive agencies may have prices that are the lowest in Oregon.

Due to the large number of rating factors, the best method to get the lowest rate is to compare rate quotes from as many companies as possible. To cover all the bases, get price quotes all three ways in order to find the best price. For a list of insurance companies with low rates, click here to view.