Who Has Cheap Insurance for a Ford Edge in Ohio?

When the topic is auto insurance, the word “cheap” should not appear anywhere in the article. Despite the oxymoron, cheap car insurance for a Ford Edge is not always easy to find. Don’t let that ruin your day, because we will show you how you can still find and buy car insurance that is affordable.

Buying the best cheap coverage for a Ford Edge in Ohio is contingent on factors such as whether you are single or married, if you have ever let your coverage lapse, and if you have a history of accidents. Drivers in Ohio pay an average of $670 every 12 months to insure their Edge, but that figure is an approximation assuming a 50-year-old married male driver who requires full physical damage coverage and $100 policy deductibles.

There is a good chance you are not 50 and maybe not even a male, possibly single instead of married, or maybe you had a chargeable driving offense. Each driver has unique rating factors, so the way we recommend to find the cheapest rates for your Ford is to get into the habit of shopping around regularly. It only takes a few minutes and you will be able to compare rates from some of the best companies that offer coverage in Ohio.

Insure Your Ford for Less

Your vehicle’s trim level tends to have a direct impact on the insurance rate, so the price to insure a Edge SE 2WD model will cost $128 less than the insurance cost for the fancier Edge Sport AWD model, as shown by the rates below.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in your specific Ohio location which can increase or decrease coverage prices substantially.

Determining which companies quote the most affordable insurance rates for a Ford Edge involves more work than just comparing a company or two.

Every insurance provider uses their own calculation for establishing rates, so let’s look at the rankings for the lowest cost insurance companies in Ohio. We do need to point out that Ohio insurance rates are impacted by many factors which can substantially decrease or increase the cost of a policy. Improving your credit score, buying a different vehicle, or getting a speeding ticket can produce rate changes that can make some companies cheaper than competitors.

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Utica National normally has some of the lowest car insurance rates in Ohio at around $647 per year. Erie, Allied, Frankenmuth, and USAA also rank well as some of the cheapest Ohio auto insurance companies.

As the rates illustrate above, if you currently have coverage with Frankenmuth and switched to Utica National, you might realize savings of about $40. Insureds with USAA might save as much as $72 a year, and Travelers policyholders might cut rates by $79 a year.

Understand that those policy prices are averages for all drivers and vehicles and and are not figured with a specific rate factor for a Ford Edge. So the car insurance company that fits your age and vehicle best may not even be featured in the above rate chart. That point stresses why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Impact of speeding/accidents on Ohio insurance rates

The obvious way to snag cheap insurance for a Ford Edge in Ohio is to drive attentively and avoid at-fault accidents and violations. The information below demonstrates how traffic citations and fender-benders impact insurance costs for different insured age categories. The data is based on a single female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

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In the previous chart, the average cost of auto insurance in Ohio per year with no accidents and a clean driving record is $1,012. Factor in one speeding ticket and the average cost jumps to $1,147, an increase of $135 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for a Ford Edge goes up to an average of $2,458. That’s an increase of $1,446, or $121 per month, just for not being more responsible behind the wheel!

Which auto insurance company is best?

When comparing insurance for an Edge, four companies to take a look at are State Farm, Allstate, Progressive, and Geico. Combined they insure over 48% of all car insurance policies in America. The next table points out ratings for price and service, as well as some optional coverages that policyholders can buy.

Who has the cheapest Ford Edge insurance quotes?

There are quite a few ways to get affordable insurance quotes in Ohio, but the most frequently used methods are using a non-exclusive or independent agent, an exclusive insurance agency like State Farm or Liberty Mutual, or direct from companies such as Progressive or Geico.

Each way has the same basic steps, but buyers need to know the differences in how they function.

Independent insurance agencies work with multiple companies and can compare rates with all of them. Agents of this type have the freedom to provide multiple price quotes, which can give you improved odds of finding cheaper coverage. If cheaper coverage is found, the business is moved internally and the insured can keep the same agent.

An exclusive agent is contracted to a single company, two examples being Allstate or State Farm agents. They are unable to give you multiple price quotes, so if the price isn’t competitive there isn’t much they can do.

Consumers who buy insurance direct skip an independent or exclusive agent and instead buy direct either online or via phone. Shopping for insurance direct is a good choice for consumers who have fewer assets and understand what coverage limits and deductibles they need.

What is the best way for finding cheap insurance for a Ford Edge in Ohio? Our initial answer would be shopping direct saves the most money because there are no middleman commissions, but in reality, that is not true. We could also assume that an independent agent guarantees the best prices due to having more companies to select from, but again, it’s not a sure thing. In some circumstances, exclusive agencies have really good rates that are the lowest in Ohio.

Because there are so many factors that make up insurance rates, the guaranteed way to buy the cheapest coverage is to get as many comparison quotes as possible. The ideal approach is to get rate quotes from all three to give yourself enough choices. A great place to start is our list of online companies offering discounts: click here to view.