How Much are Insurance Quotes for a Ford Edge in Delaware?

The chances that you’ll find affordable car insurance for a Ford Edge in Delaware hinges on a lot of rating criteria like if you are a renter or homeowner, your credit status, and driving violations and tickets. Delaware drivers pay an average rate of $1,280 every 12 months for Edge insurance, but that figure is a ballpark figure that uses a 50-year-old single male driver that included full coverage including both comprehensive and collision and $250 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you are not 50 and maybe not even a male, you might be married instead of single, or you just prefer to insure for liability only. What appears to be a small change in rating variables can make a huge difference in the rate quoted for a Ford Edge.

Different coverage needs are the reason why the best method for finding affordable rates for your Ford is to quote often and with as many companies as possible. Price quotes are quick and you can get rates from the best companies that sell coverage in Delaware.

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Vehicle trim level has an effect on the insurance rate, so the price you will be charged to insure a Edge SE 2WD will be $230 less expensive the cost to insure the higher-end Edge Sport AWD trim level, as shown in the prices below.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific location information which can lower or raise coverage prices significantly.

Which insurance company is best in Delaware?

Choosing a high-quality company can be rather challenging considering how many companies sell insurance in Delaware. The ranking data shown next can help you choose which car insurance providers you want to consider when shopping around.

These rankings are for companies that insure vehicles across America, so smaller companies that only insure vehicles in Delaware will not be included in the list. To get rate quotes from these top insurers and more, follow this link.

How careless driving impacts Delaware insurance rates

The best way to maintain affordable insurance rates in Delaware for an Edge is to be an attentive driver and avoid tickets and accidents. The diagram below shows how violations and accidents can raise car insurance costs for each age group. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

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The chart shows that the average cost of car insurance in Delaware per year with no violations or accidents is $2,103. Receive two speeding tickets and the average cost hikes up to $2,905, an increase of $802 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of insurance for a Ford Edge increases to an average of $5,918. That’s an increase of $3,815, or $318 per month, just for being a less-than-perfect driver!

Is State Farm, Geico, Progressive, or Allstate cheaper?

When it comes to buying insurance for an Edge, the four most popular companies are State Farm, Geico, Progressive, and Allstate. The table below rates pricing and service ratings, as well as optional policy coverages shoppers can find with each company.

Find cheap insurance for a Ford Edge in Delaware

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty ideas that can help Delaware drivers get lower-cost auto insurance.

• Do not pay for full coverage on older vehicles
• Drive safe vehicles
• Insure your home and auto with the same company
• Drivers with good credit often pay less
• Accidents can significantly increase rates
• Look for cheaper rates once a year by shopping around

That last tip is notably vital, as was emphasized in the prior article. Car insurance prices in Delaware can be modified anytime, so don’t hesitate to buy from a different company if you can find a cheaper rate.

Many drivers prefer to stick with one company, but it’s not a great idea if that dedication is costing a lot of money. It only take a few minutes to compare rates to find cheaper car insurance for a Ford Edge.

Best cheap Ford Edge insurance quotes

Consumers have many ways to purchase insurance in Delaware, but the most frequently used methods are from a non-exclusive or independent agent, an exlusive agent such as Liberty Mutual or State Farm, or from a direct company like Progressive. Each way has the same basic process, but it’s important to understand the differences in how they give price quotes.

Independent agencies work for many companies and can do rate comparisons with all of them. Independent agents are not locked into one company and can get prices from more than one company, which can help you get improved chances of finding a lower rate. If prices rise, it’s simple to move the policy which prevents you from having to find an new insurance agent.

Exclusive agents are usually restricted to a single company, a couple examples are an Auto-Owners or Allstate agent. These guys and gals cannot compare other company’s rates, so if their pricing is high, there is no alternative.

If you choose to buy insurance direct, you forego local insurance agents and buy from a direct company like Progressive or Esurance. Buying direct may be preferred by consumers who have an average risk profile and know more than average about what coverage limits and deductibles they need.

So which of those three methods works best to buy cheap insurance for a Ford Edge in Delaware? Most people assume that buying from a direct car insurance company yields the cheapest rates since there is no need to pay agent commissions, but unfortunately, that is not the case. We could also say that going through an independent agent is the best way to go because they can quote many companies, but again, it’s not a sure thing. And often times, exclusive agencies have extremely competitive rates that other companies cannot beat.

Because there are so many factors that make up insurance rates, the only true way to get the cheapest rates is to do a thorough rate comparison. The ideal approach is to get rate quotes from all three to give yourself the best selection. For a list of companies with online discounts, click here to view.