Cheapest Insurance Quotes for a Ford Edge in Michigan

Your odds of finding cheaper car insurance for a Ford Edge in Michigan relies on a fairly complex equation with a lot of factors like if you are married or single, if you have recent claims, and the deductible amount you use. Drivers on average will pay $1,840 a year to insure a Ford Edge, but that price is a ballpark figure using a 40-year-old married female driver who purchased full comprehensive and collision coverage and $500 policy deductibles.

There is a high likelihood that you may not be 40 years old (or even female), single instead of married, or maybe you prefer to not insure for full coverage. Not every driver requires the same auto insurance coverages, so your best shot at finding cheap auto insurance rates for your Ford is to do a thorough rate comparison. In less than five minutes you can get rates from some of the most affordable companies in Michigan.

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The trim level of your vehicle will be a contributing factor to the cost of coverage, so the price to insure a Edge SE 2WD trim level will be $304 lower than the insurance cost for the more costly Edge Sport AWD model, as shown in the prices below.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in specific Michigan garaging location which can impact insurance rates noticeably.

Selecting the right insurance provider can be rather challenging considering how many companies provide coverage in Michigan. The ranking information listed below can help you choose which providers you want to consider comparing price quotes from.

The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Michigan business will not be included in the list. To get rate quotes from the insurers below and more, follow this link.

Discounts on the cheapest insurance for a Ford Edge in Michigan

Insurers that provide coverage for a Ford Edge may provide price discounts that can reduce rates by 35% or more if you can meet the requirements. A list of car insurance companies and some of the discounts are:

• Esurance has discounts for multi-car, Pac-12 alumni, defensive driver, paid-in-full, anti-lock brakes, renters, and online shopper.
• The Hartford includes discounts for driver training, anti-theft, vehicle fuel type, good student, air bag, defensive driver, and bundle.
• AAA offers discounts for education and occupation, anti-theft, good student, multi-policy, and good driver.
• GEICO policyholders can earn discounts including federal employee, five-year accident-free, multi-vehicle, anti-lock brakes, air bags, and military active duty.
• State Farm may have discounts that include driver’s education, student away at school, defensive driving training, safe vehicle, multiple autos, and accident-free.

The example below shows the difference between insurance costs with and without policy discounts. The data is based on a female driver, no claims, a clean driving record, Michigan state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, passive restraint, defensive driving course, marriage, safe-driver, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a Ford Edge is 28% or $940.

Is the best company State Farm, Allstate, Progressive, or Geico?

When it comes to auto insurance, four of the larger companies to compare rates for are State Farm, Allstate, Progressive, and Geico. They all have slightly different coverage options that may influence your buying decision. The data below compares and contrasts some of the ratings and options you can expect with each one.

Who has the cheapest Ford Edge insurance quotes?

You have many ways to find affordable car insurance in Michigan, but the most popular methods are using a captive (or exclusive) agency such as Allstate or State Farm, an independent or non-exclusive agent, or direct either online or via phone.

Each way has the same basic steps, but they differ slightly in how they provide rate quotes.

Independent insurance agents write for multiple companies and can compare coverage rates with all of them. Independent agents have the freedom to give you more rate choices, which may give you the best chance of saving money. If the agent locates a cheaper price, your policy can be easily switched to a different company and you don’t have to do anything.

A captive or exclusive agent is usually just provide rates from one company, two popular examples being Allstate or State Farm agents. These agents are not able to shop your coverage around, so if finding the cheapest coverage is your goal, you will need to shop around.

Opting to purchase car insurance direct means you forego local insurance agents and instead buy from a direct company like Esurance or Progressive. Buying direct is good for families who have fewer assets and know more than average about the limitations of car insurance.

What is the best way to buy the cheapest insurance for a Ford Edge in Michigan? Most drivers assume that buying from a direct company saves the most money because there is no agent involved, but that is generally not the case. An argument could also be made that buying from an independent agent is the best way to save since they can provide multiple quotes, but that assumption is also not necessarily accurate. In some circumstances, exclusive agencies have coverage prices that other companies cannot beat.

Due to the large number of rating factors, the one way to not overpay for car insurance is to compare lots of quotes. We highly recommend getting prices from all three to have enough rates to compare. For a list of companies with cheap rates in Michigan, click here to view.

How to get the cheapest insurance for a Ford Edge in Michigan

Lowering your rates is not difficult, and here are some of the recommended thrifty suggestions that can help drivers buy lower-cost coverage.

• Speeding tickets and other violations increase rates
• Improve your credit score
• If possible, do not file small claims
• Remain accident-free and save
• Vehicles with good safety ratings have lower liability rates
• Keep rates low by comparing prices once a year

The last item on the list is extremely vital, as we stressed in this write-up. Auto insurance rates in Michigan can change significantly in a year, so drivers shouldn’t be resistant to change insurance companies if you can save money. Having brand loyalty is commendable, but it’s not a great idea if that loyalty ends up costing a wad of cash every year. Now is a great time to compare rates to find cheaper insurance for a Ford Edge.