Best Cheap Insurance for a Ford Edge in Maryland

When discussing car insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere in the article to describe car insurance prices. Nonetheless, cheap car insurance for a Ford Edge can seem impossible to find. But don’t let that discourage you, because we are going to show you how you can quote car insurance that doesn’t cost an arm and a leg.

The chances that you’ll find the best cheap coverage for a Ford Edge in Maryland is contingent on many different factors such as how you use your vehicle, your credit history, and deductibles for comprehensive and collision coverage. Drivers on average pay around $840 per year to buy Ford Edge insurance, but that figure is a projection that uses a 50-year-old married female who requires full coverage and $1,000 physical damage deductibles.

There’s a good chance you are not a 50-year-old female, maybe you are single instead of married, or maybe you had a chargeable driving offense. Everone’s needs are different, and this illustrates why your best shot at finding cheap insurance rates for your Ford is to start the habit of comparing rates at least once a year. Get a free quote now and you will receive rate quotes from the cheapest companies in Maryland.

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Your vehicle’s trim level will most likely have an effect on the yearly cost, so the price you will pay to insure a Edge SE 2WD will be $120 less expensive the insurance cost for the high end Edge Sport AWD model, as shown below.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific Maryland garaging location which can raise or lower premium rates greatly.

Finding reasonably-priced car insurance is confusing at best, and determining which company has the cheapest auto insurance rates for a Ford Edge involves more quotes for comparison. Every auto insurer has a proprietary method to set premium rates, so first let’s look at the rankings for the auto insurance companies with the most affordable rates in Maryland.

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USAA has some of the most affordable car insurance rates in Maryland at around $930 annually. Liberty Mutual, Penn National, Erie, and State Auto would also be considered some of the cheapest Maryland insurance companies.

As shown above, if you are a customer of Penn National and switched to USAA, you may realize annual savings of approxmiately $196. Policyholders with Erie may save as much as $197 a year, and State Auto insureds might reduce prices by as much as $260 a year.

If you want to find out if you’re overpaying, click here to start your free quote or visit several of the following companies.

Be aware that those policy rates are averages across all drivers and vehicles and are not factoring in a specific rating modification for a Ford Edge. So the car insurance company that is best suited for you may not even be in the chart above. That illustrates why you need to get quotes using your own specific driver information and vehicle.

The illustration below highlights how deductible selection can increase or decrease insurance rates when trying to find cheap insurance for a Ford Edge. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

In the chart above, a 50-year-old driver could pocket $328 a year by increasing from a $100 deductible to a $500 deductible, or save $492 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save up to $1,098 every year just by choosing larger deductibles.

When increasing deductibles, it will be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Tips for buying economical insurance for a Ford Edge

The list below summarizes some thrifty ideas that can help drivers quote lower-cost coverage.

• Buy a car with high safety ratings
• Avoid speeding and other traffic citations and pay less
• Don’t have frequent claims
• Staying accident-free helps keep rates low
• Good credit scores may lower your rates
• Compare quotes from other companies often

The last tip in the list is remarkably crucial, as we discussed in the prior information. Insurance rates fluctuate considerably, so drivers shouldn’t be resistant to buy from a different company if a lower-cost policy is available. Brand loyalty is great, but is isn’t recommended if that faithfulness ends up costing you thousands of dollars over the life of your policy. Now is a great time to shop around and find cheaper car insurance for a Ford Edge.

Best cheap Ford Edge insurance quotes

There are quite a few ways to get cheap auto insurance quotes in Maryland, but the most preferred are through a non-exclusive or independent agent, an exlusive agent such as Liberty Mutual or State Farm, or buying direct from a company like Progressive or Geico.

They all follow the same basic process, but each is slightly different in how they work.

Independent agencies write business for many companies and can get rate quotes from each one. They are not restricted to one company and can provide multiple price quotes, which can give you the best idea of how your rates compare. If a cheaper rate is found, it’s easy for the agent to move the policy and the insured can keep the same agent.

A captive or exclusive agent is only able to give prices for one company, a couple examples are a Farmers or Allstate agent. Exclusive agents are unable to provide other companys’ prices, which requires you to shop around.

Buying auto insurance direct means you skip local agents and instead shop direct either online or via phone. Shopping for auto insurance direct may be good for families who do not need risk management and have a good understanding of what coverages, limits, and deductibles they need.

When shopping for auto insurance, which way works best to find the best cheap insurance for a Ford Edge in Maryland? Most people assume that buying direct results in the cheapest price since it doesn’t require paying agent commissions, but that turns out to not be true. We could also say that buying auto insurance from an independent agent is the best way because they can quote many companies, but that idea is not necessarily true either. In many circumstances, the exclusive agents may have very competitive prices that are the cheapest.

Since auto insurance prices are based on many different factors, the best way to ensure the lowest rates is to obtain price quotes and compare them. Money-saving experts recommend you get quotes from all three types to give yourself enough choices. To see some of the cheapest online companies available, click here to view.