Best Cheap Insurance Quotes for a Ford Edge in Hawaii

The chances that you’ll find the best cheap auto insurance for a Ford Edge in Hawaii is contingent on a complicated equation that takes into consideration things such as your vehicle’s safety rating, whether or not you are currently insured, and deductibles for comprehensive and collision coverage. Drivers on average pay approximately $940 every 12 months to insure a Ford Edge, but that figure is an estimate that uses a 40-year-old single female driver that wants full coverage including both comprehensive and collision and $250 policy deductibles.

There is a high likelihood that you are not 40 years old and maybe not even female, married instead of single, or maybe you live in a different area as the quoted rates. Making even small differences in quote information could end up with a large change in price quotes.

Insurance rates are unique for each driver, so your best chance at finding cheap auto insurance rates for your Ford is to put in the effort to do a thorough rate comparison.

Cheapest Ford Edge Insurance Rates

The trim level of your vehicle will most likely have an effect on the annual cost of coverage, so the rate you pay to insure a Edge SE 2WD trim level will be $162 less than the insurance cost for the more costly Edge Sport AWD version, as shown in the chart below.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in zip code location which can lower or raise price quotes considerably.

Shopping around for budget auto insurance is difficult, and figuring out which companies quote the cheapest insurance rates for a Ford Edge takes even more perseverance. Each insurer has a unique formula for determining prices, so let’s take a look at the overall cheapest insurance companies in Hawaii.

We do need to point out that Hawaii insurance rates are impacted by many factors that will increase or decrease the price of your policy. Getting older, buying higher coverage limits, or having an at-fault accident can produce rate changes that may make certain companies less affordable than competitors.

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USAA offers some of the cheapest car insurance rates in Hawaii at around $936 a year. State Farm, GEICO, Liberty Mutual, and Progressive also rank well as some of the most economical Hawaii auto insurance companies.

As the example above demonstrates, if you currently have coverage with State Farm and switched to USAA, you could realize an annual premium reduction of in the vicinity of $140. Policyholders with GEICO might save as much as $453 a year, and Liberty Mutual customers might lower prices by up to $485 a year.

If you want to see how much you could save, click here to get quotes or quote prices from the following companies.

Bear in mind that those premiums are averages for all drivers and vehicles and and are not figured with a specific rate factor for a Ford Edge. So the insurer that can offer the best rates for your situation may not even be included in the rate chart shown above. That points out the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.

The diagram below demonstrates how choosing different deductibles can increase or decrease insurance rates when trying to find cheap insurance for a Ford Edge. The costs are based on a single female driver, full coverage, and no additional discounts are factored in.

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A 50-year-old driver could pocket $284 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $428 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, could reduce their rates as much as $730 annually by using higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it is necessary to have plenty of money set aside to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to find economical auto insurance for a Ford Edge

The list below shows many penny-pinching solutions that can help Hawaii drivers quote lower-cost coverage.

• Avoid having at-fault accidents
• Raise comprehensive and collision coverage deductibles
• Increase your credit rating
• Buy a vehicle with excellent safety ratings
• Avoid getting tickets or violations
• Compare prices as often as possible

That last idea is especially important, as was emphasized in this article. Rates can be adjusted at any time, so don’t be unwilling to switch carriers if a more affordable rate is found.

Many consumers stick with the same company and that’s fine, but we do not recommend it if that loyalty ends up costing major coinage every year. Take a few minutes and shop around to find cheaper insurance for a Ford Edge.