Who Has the Cheapest Insurance Quotes for a Ford Edge in Montana?

When talking about auto insurance, the words “cheap” or “affordable” shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. It’s just reality that cheap auto insurance for a Ford Edge is not always easy to find. Don’t let that ruin your day, because we are going to tell you how you can still find coverage that is cheaper than what you have now.

Whether or not you can find affordable insurance for a Ford Edge in Montana is contingent on a complex rating formula that takes into consideration things such as whether you are a homeower, your current insurance company, and your motor vehicle report. Drivers pay an average rate of $2,250 a year to buy insurance for a Ford Edge, but that cost is based upon a 40-year-old single female that wants full coverage and $100 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you are not 40 years old and maybe not even female, you might be married instead of single, and you probably do not live in the same zip code as the example. This illustrates why your best shot at finding cheap insurance prices for your Ford is to quote often and with as many companies as possible. Do a quick rate comparison now and you can get rates from top-rated car insurance companies available.

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Your Ford’s trim level will influence price, so the cost to insure a Edge SE 2WD model will be $424 cheaper than the insurance cost for the higher-priced Edge Sport AWD version, as demonstrated by the prices below.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Montana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in zip code location which can alter coverage prices substantially.

Deciding which company quotes the cheapest insurance rates for a Ford Edge may require a tad more effort in order to find the best policy. Each auto insurance company has their own formula to set premium rates, so let’s examine the insurance companies that tend to have lower prices in Montana.

It’s important that you understand Montana insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. Improving your credit score, having a claim, or getting a DUI can trigger rate changes that can cause some rates to be much cheaper than others.

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Safeco normally has some of the best car insurance rates in Montana at around $862 annually. Progressive, USAA, State Farm, and MetLife are also some of the cheaper Montana insurance companies.

As shown in the rates above, if you currently have a policy with USAA and switched to Safeco, you might see savings of in the neighborhood of $193. Insureds with State Farm may save as much as $207 a year, and MetLife policyholders might reduce rates by $313 a year.

To discover how much you can save, click here to get a free quote or visit any of the low-priced companies below.

Be aware that those policy prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific rate factor for a Ford Edge. So the auto insurance company that can offer you the best rate may not even be in the rate chart shown above. That underscores the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Discounts on the cheapest insurance for a Ford Edge in Montana

Insurers that offer coverage for a Ford Edge may provide special discounts that can lower rates by 30% or more if you are eligible. Popular insurance companies and the discounts they provide include:

• American Family may have discounts that include good driver, early bird, accident-free, mySafetyValet, and multi-vehicle.
• Nationwide policyholders can earn discounts including family plan, anti-theft, business or organization, Farm Bureau membership, easy pay, and accident-free.
• MetLife offers discounts including multi-policy, defensive driver, claim-free, accident-free, and good student.
• 21st Century offers premium reductions for automatic seat belts, defensive driver, good student, air bags, theft prevention, early bird, and anti-lock brakes.
• Farmers Insurance discounts include bundle discounts, mature driver, teen driver, multi-car, alternative fuel, and youthful driver.
• Allstate includes discounts for auto/life discount, defensive driver, new car, FullPay discount, anti-lock brakes, and safe driver.

The illustration below compares yearly insurance costs with and without some available policy discounts. Data assumes a female driver, a clean driving record, no claims, Montana state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, defensive driving course, claim-free, homeowner, marriage, and multiple policy discounts applied. With discounts applied, the the average amount saved on insurance for a Ford Edge is 28% or $809.

The illustration below illustrates how your choice of deductibles can influence yearly insurance costs when quoting cheap insurance for a Ford Edge. The premium estimates are based on a single female driver, full coverage, and no other discounts are factored in.

In the chart above, a 50-year-old driver could lower their policy premium by $624 a year by switching from a $100 deductible up to a $500 deductible, or save $936 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save as much as $1,594 or even more just by choosing higher deductibles.

When raising deductibles, it is important to have spare funds to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.