Best Cheap Insurance Quotes for a Ford Edge in Indiana

When the topic is auto insurance, the words “cheap” or “affordable” should never appear anywhere in the article to describe car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Ford Edge is pretty hard to find. But don’t let that discourage you, because we can show you some ways you can still find insurance that is easier on your budget.

The likelihood of finding cheap auto insurance for a Ford Edge in Indiana hinges on a complicated formula that considers factors like whether or not your vehicle has good safety ratings, whether or not you are currently insured, and driving violations and tickets. Indiana drivers pay on average $670 each year to insure their Edge, but that figure is a ballpark figure calculated using a 50-year-old married male driver that purchased full coverage including both comprehensive and collision and $500 deductibles.

There is a high probability that you aren’t exactly 50 years old or even a male, single instead of married, or possibly you just want cheap liability coverage. Even a minor change in rating criteria or coverage limits could end up with a large change in how much coverage for a Ford Edge costs.

Everyone has unique insurance needs, and this illustrates why the best method for finding the cheapest insurance price for your Ford is to comparison shop your policy at every renewal or at least every couple of years.

Compare Ford Edge Insurance Rates

Vehicle trim level can impact price, so the price you pay to insure a Edge SE 2WD will be $108 less than the price to insure the more costly 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, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in specific Indiana garaging location which can change premium rates noticeably.

Best insurance company in Indiana

Insuring your vehicle with the highest-rated car insurance provider can be difficult considering how many companies are available to choose from in Indiana. The company rank data displayed below may help you analyze which insurers you want to consider shopping your coverage with.

The rankings below only include companies with a nationwide focus, so companies that have a smaller presence are not included in the list. If you would like to check rates from these and other top-rated companies, simply click here.

Top 10 Large Auto Insurance Providers in Indiana Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. GEICO
7. AAA Insurance
8. Safeco Insurance
9. Esurance
10. The General

Top 10 Large Auto Insurance Providers in Indiana Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top Companies for Ford Edge Insurance in Indiana

Safe drivers pay less for insurance

The common sense way to snag the best cheap insurance for a Ford Edge in Indiana is to drive safe and not receive tickets or have accidents. The illustration below demonstrates how traffic citations and accidents can impact annual premium costs for different age categories. The rates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

In the example above, the average cost of auto insurance in Indiana per year with no accidents or violations is $1,440. Factor in one speeding ticket and the average cost increases to $1,678, an increase of $237 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for a Ford Edge jumps again to an average of $2,353. That’s an increase of $913, or $76 per month, just for not driving safely!

How to get discounts on Indiana auto insurance rates

Auto insurance companies that sell the best cheap insurance for a Ford Edge in Indiana may additionally offer special discounts that could reduce prices by as much as 25% or more if you meet specific criteria. A few of the larger companies and the discounts they provide are included below.

• Farm Bureau offers discounts including safe driver, renewal discount, multi-policy, driver training, and 55 and retired.
• State Farm includes discounts for good driver, Steer Clear safe driver discount, passive restraint, accident-free, and good student.
• Progressive offers discounts for online quote discount, good student, multi-vehicle, multi-policy, homeowner, and continuous coverage.
• Allstate discounts include economy car, premier discount, multi-policy, good payer, and EZ pay plan discount.
• Nationwide offers premium reductions for multi-policy, accident-free, business or organization, anti-theft, Farm Bureau membership, easy pay, and family plan.
• MetLife may include discounts for multi-policy, defensive driver, accident-free, good driver, good student, claim-free

The example below shows the comparison of insurance premiums with and without discounts applied to the policy rates. The rates are based on a female driver, a clean driving record, no claims, Indiana state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, anti-theft, passive restraint, multiple vehicle, accident-free, and claim-free discounts applied. When drivers take advantage of discounts, the the average amount saved on insurance for a Ford Edge is 28% or $493.

Who has the cheapest Ford Edge insurance quotes?

Drivers have many ways to shop for and buy insurance in Indiana, but the most common methods are using an independent or non-exclusive agent, a captive (or exclusive) agent such as Allstate or Liberty Mutual, or direct either online or via phone.

They all follow the same basic process, but it’s good to know the differences in how they give price quotes.

Independent insurance agencies work with multiple companies and can get rate quotes from every one. Independent agents are not employed by one specific company and can get prices from more than one company, which may give you the best shot at cutting your rates. If a cheaper price is found, they simply move your policy to a different company which prevents you from having to find a new agency.

An agent who is captive is restricted to a single insurance company, two examples are an Auto-Owners or Allstate agent. Exclusive agents generally are unable to provide multiple price quotes, so drivers will want to get other quotes as well.

The third way to buy insurance is direct which means you skip a local agent and instead shop direct either online or via phone. Shopping direct may be preferred by drivers who do not need complex risk management and know what specific coverages and deductibles they need.

Which method is best to find the best cheap insurance for a Ford Edge in Indiana? We wish we could say buying direct results in the cheapest price because you bypass the middleman, but that generally is not the case. A good argument could also be made that an independent agency guarantees the best prices due to more options, but again, it’s not a sure thing. For some people, the exclusive agents have price quotes that other companies cannot beat.

Because it’s impossible to say who has the best insurance rates, really the only way to buy the cheapest coverage is to get as many comparison quotes as possible. It’s recommended that drivers get rate quotes from independent agents, exclusive agents, and direct companies in order to have the best selection to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

Find the best cheap insurance for a Ford Edge in Indiana

Below you’ll find some penny-pinching suggestions that can help drivers get more affordable car insurance.

• Buying car and homeowners insurance together can save money
• Increase your physical damage deductibles
• The safer your car, the less it costs to insure
• Drivers with good credit often pay less
• Save money by only buying liability coverage for older vehicles
• If possible, pay for small claims out-of-pocket
• Comparison shop frequently

The final tip is especially critical, as we pointed out in the prior information. Auto insurance prices in Indiana go up and down frequently, so don’t be afraid to switch carriers if a more affordable price is available.

Being loyal to a particular company is commendable, but we do not recommend it if that loyalty ends up costing hundreds of dollars a year. Now is a great time to shop around to find cheaper insurance for a Ford Edge.