Best Cheap Insurance for a Ford Edge in Idaho

Your chances of finding affordable car insurance for a Ford Edge in Idaho depends upon many rating criteria such as if you are married or single, where you live, and your policy deductibles. Drivers pay approximately $900 per year to buy Ford Edge insurance, but that cost is an approximation calculated using a 40-year-old single male who needs full comprehensive and collision coverage and $100 deductibles.

If we were betting, you’re not a 40-year-old male, married instead of single, or you just prefer to insure for liability only. Making even small differences in rating factors or requested coverage amount can lead to a big change in price quotes.

Each driver’s needs are different, and that demonstrates why the best way to quote the cheapest insurance price for your Ford is to quote often and with as many companies as possible. In just a few minutes you will be able to compare rates from the best companies around.

Find Cheaper Ford Edge Insurance

The trim level of your vehicle has an effect on the insurance rate, so the price you will be charged to insure a Edge SE 2WD model will cost $174 less than the cost to insure the high end Edge Sport AWD version, as shown in the table below.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Idaho minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific location information which can affect price quotes greatly.

Picking the top company can be challenging considering how many companies provide coverage in Idaho. The ranking information shown below may help you select which auto insurers to look at when buying insurance for a Ford Edge.

The rankings below are only comprised of the largest auto insurers in America, so smaller regional companies are not taken into consideration for these rankings. To compare prices from these and other top-rated companies, follow this link.

Top 10 Major Auto Insurance Companies in Idaho Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Liberty Mutual
5. Progressive
6. GEICO
7. Allstate
8. The Hartford
9. The General
10. Farmers Insurance

Top Companies for Ford Edge Insurance in Idaho

Rate comparison of full coverage and liability-only

Finding the best cheap insurance for a Ford Edge in Idaho should be important to most vehicle owners, and one easy way to save on the cost of insurance is to buy liability only. The chart below shows the comparison of annual premium costs with liability coverage only compared to full coverage. The costs are based on a clean driving record, no claims, $100 deductibles, single status, and no policy discounts are applied.

If we average the cost for ages 20 through 70, full coverage on your policy costs an additional $1,580 per year more than just insuring for liability. At some point, every insured wonders if it’s worth it to buy full coverage. There isn’t a written rule to eliminate full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s say your vehicle’s book value is $11,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $10,500 after paying the physical damage deductible. If premium cost is more than $1,050 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

The example below demonstrates how deductibles can affect premium costs when getting quotes for cheap insurance for a Ford Edge. The prices are based on a single female driver, full physical damage coverage, and no discounts are factored in.

The data above shows that a 30-year-old driver could lower their car insurance rates by $246 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $370 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can cut as much as $552 annually just by choosing higher deductibles. If you do decide to increase your deductibles, it is necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

How to get the best cheap insurance for a Ford Edge in Idaho

The list below summarizes a few money-saving ideas that can help drivers quote lower-cost car insurance.

• Do not pay for full coverage if not needed
• Insure your home and auto with the same company
• Clean up your credit
• Increase your policy deductibles
• Don’t have frequent claims
• Buy a car with high safety ratings
• Comparison shop frequently

That final tip is particularly significant, as we stressed in this article. Insurance prices fluctuate considerably, so don’t hesitate to buy from a new company if a cheaper rate is available. Loyalty to a specific company is fine, but it’s not a great idea if that loyalty ends up costing several hundred dollars every year. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Ford Edge.

Cheap Ford Edge insurance quotes

Consumers have many ways to shop for and buy auto insurance in Idaho, but the three most common ways are through an independent insurance agent, an exclusive insurance agent such as Auto-Owners or State Farm, or direct online or over the phone from a company like Geico or Progressive.

You can use whichever you prefer, but auto insurance shoppers should know the differences in how they work.

Independent insurance agencies have contracts with multiple insurance companies and can provide price quotes from all of them. Agents of this type can quote with many companies and provide you with more rate quotes, which may provide you with the best shot at cutting your rates. If they find a cheaper price, it’s simple to move the policy which makes it simple for you.

A captive or exclusive agent is restricted to quoting rates for just one company, two examples are State Farm and Auto-Owners agents. Exclusive agencies are unable to place coverage with different providers, so you will not be able to compare multiple prices.

When you buy auto insurance direct, you bypass an agent and instead buy direct online or over the phone from a company like Geico or Esurance. Buying direct may be the best choice families who do not have a need for a risk management assessment and understand what coverages they need.

So out of those three methods, which one works best for finding the best cheap insurance for a Ford Edge in Idaho? The quick answer would be buying from a direct company yields the cheapest rates because you bypass the middleman, but that turns out to not be true. And we’d like to say buying auto insurance from an independent agent can save the most money due to increased selection, but that is not accurate either. In some circumstances, exclusive agents have extremely competitive rates that are the lowest in Idaho.

Since auto insurance companies use so many rating factors, the only true way to buy the cheapest coverage is to get quotes and compare the rates. Set aside the time to get price quotes from independent, exclusive, and direct to have enough rates to compare. To see some of the cheapest online companies available, click here to view.