Buying the best cheap coverage for a Ford Edge depends on lots of different rating factors such as your gender, your credit score, and any prior driving offenses you have. Drivers will pay on average $1,487 each year for Edge insurance, but that price is an estimate calculated using a 50-year-old single female driver with full coverage and $250 deductibles.
The problem with using this number is the good chance you are not 50 and maybe not even a female, married instead of single, or you just prefer to insure for liability only. Even a minor difference in rating criteria could result in a significant change in how much insurance for a Ford Edge costs.
There is no perfect policy for every driver, so the only real way to find cheap insurance rates for your Ford is to do a thorough rate comparison. Comparing quotes is easy and you will receive rate quotes from the cheapest companies available.
Your Ford’s trim level will influence price, so the rate you pay to insure a Edge SE 2WD model will be $260 lower than the cost to insure the more well-appointed Edge Sport AWD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Edge SE 2WD||$278||$504||$544||$32||$162||$1,520||$127|
|Edge SE AWD||$278||$614||$544||$32||$162||$1,630||$136|
|Edge SEL 2WD||$278||$614||$544||$32||$162||$1,630||$136|
|Edge Limited 2WD||$278||$614||$544||$32||$162||$1,630||$136|
|Edge SEL AWD||$278||$614||$544||$32||$162||$1,630||$136|
|Edge Limited AWD||$320||$722||$544||$32||$162||$1,780||$148|
|Edge Sport 2WD||$320||$722||$544||$32||$162||$1,780||$148|
|Edge Sport AWD||$320||$722||$544||$32||$162||$1,780||$148|
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in zip code location which can decrease or increase auto insurance rates significantly.
Finding decent, affordable auto insurance is not the easiest thing to do, and determining which company has the best car insurance rates for a Ford Edge will involve additional perseverance.
Each insurance company uses their own method to determine premium rates, so let’s rank the overall cheapest car insurance companies in New Jersey.
Find Cheaper Car Insurance for Your Edge
|Rank||Company||Cost Per Year|
|3||New Jersey Manufacturers||$1,258|
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21st Century has some of the best car insurance rates in Jersey City at around $1,100 annually. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also make the list of some of the more affordable Jersey City, NJ insurance companies.
In the above example, if you have coverage with New Jersey Manufacturers and switched to 21st Century, you may realize an annual savings of in the neighborhood of $158. Customers with Penn National may save as much as $238 a year, and Palisades insureds might see rate reductions of $254 a year.
Understand that those rates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location for a Ford Edge. So the auto insurance company that can offer you the best price may not even be in the top 19 companies in the list above. That emphasizes why you need to compare as many prices as possible using your own specific driver and vehicle information.
Get discounts on Jersey City car insurance rates
Insurance providers that offer coverage for a Ford Edge may also provide policy discounts that could lower prices by 40% or more if you meet specific criteria. Popular car insurance companies and their possible discounts are detailed below.
- Progressive offers discounts for continuous coverage, multi-policy, homeowner, good student, and online signing.
- The Hartford policyholders can earn discounts including driver training, bundle, good student, defensive driver, air bag, anti-theft, and vehicle fuel type.
- Mercury Insurance has savings for multi-policy, annual mileage, multi-car, accident-free, and good student.
- GEICO has discounts for daytime running lights, driver training, air bags, emergency military deployment, five-year accident-free, seat belt use, and defensive driver.
- AAA offers premium reductions for anti-theft, good driver, AAA membership discount, pay-in-full, good student, and education and occupation.
- State Farm may offer discounts for multiple policy, defensive driving training, accident-free, passive restraint, anti-theft, Steer Clear safe driver discount, and student away at school.
The illustration below shows the difference between insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, marriage, multiple vehicle, accident-free, multiple policy, and anti-theft discounts applied. With discounts applied, theamount saved on car insurance for a Ford Edge is 28% or $775.
The illustration below highlights how deductible selection can change premium costs when quoting cheap insurance for a Ford Edge. The rates are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
A 40-year-old driver could reduce rates by $516 a year by switching from a $100 deductible up to a $500 deductible, or save $774 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, have the ability to save $1,322 every year just by using higher deductibles. When increasing deductibles, it will now be necessary to have additional savings on hand to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Tips for finding low-cost insurance for a Ford Edge
It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help Jersey City drivers quote cheap coverage.
- Avoid preventable accidents
- Safe vehicles cost less to insure
- Increase your policy deductibles
- Good credit can help you save money
- Do not get traffic violations
- Assess whether full coverage is needed
- Keep rates low by shopping around frequently
The last item on the list is particularly valuable, as was pointed out in this article. Insurance rates can change considerably in a year, so don’t be unwilling to buy from a new company if a better rate can be found. Brand loyalty is not necessarily bad, but is isn’t recommended if that stubbornness costs you a small fortune. Take a couple minutes and compare rates and find cheaper insurance for a Ford Edge in Jersey City.
The insurance agents in Jersey City listed below are a good start to help you determine which coverages you need, since some drivers have questions and prefer to have a professional recommendation when shopping for the best coverage for a Ford Edge. It can be complicated to find the cheapest rate yourself, and a licensed agent can provide you peace of mind knowing you have decent coverage if you have a claim. To locate an agency closest to you, click the button following the list.
Diaz Insurance Agency
815 Bergenline Ave – Union City, NJ 07087 – (201) 348-1288
775 Newark Ave – Jersey City, NJ 07306 – (201) 217-1780
AMC Insurance Inc
958 Summit Ave – Jersey City, NJ 07307 – (201) 656-1200
2330 John F. Kennedy Blvd – Jersey City, NJ 07304 – (201) 435-4300