Best Cheap Insurance Quotes for a Ford Edge in Massachusetts

Your odds of finding the best cheap auto insurance for a Ford Edge in Massachusetts is dependent upon a complicated formula that considers factors like the number of years you have been driving, your residence address, and your policy deductibles. Massachusetts drivers pay around $940 annually to insure their Edge, but that figure is a valuation based on rates for a 40-year-old single female who purchased both comprehensive and collision coverage and $1,000 physical damage deductibles.

There is a good chance you may not be 40 years old (or even female), possibly married instead of single, or maybe you just want liability only instead of full coverage. Even a slight change in the rating criteria used to formulate rates can make a big difference in the price of a policy.

Insurance is an individual thing, so your best chance at finding cheap auto insurance rates for your Ford is to shop your policy around at every renewal. In just a couple of minutes you can get prices from the best auto insurance companies that offer coverage in Massachusetts.

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Your Ford’s trim level will most likely have an effect on the cost of coverage, so the price you will pay to insure a Edge SE 2WD will cost $130 less than the insurance cost for the higher-priced Edge Sport AWD trim level, as shown by the rates below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in zip code location which can influence coverage rates substantially.

Choosing the best car insurance company can be difficult considering how many different companies sell coverage in Massachusetts. The company rank data listed below can help you decide which insurers to look at when shopping your coverage around. The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not factored into this list.

Top 10 Large Car Insurance Companies in Massachusetts Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top Companies for Ford Edge Insurance in Massachusetts

Should you buy full coverage?

Finding the best cheap insurance for a Ford Edge in Massachusetts is the goal of most vehicle owners, and one common way to buy cheap insurance is to only buy liability insurance. The information below shows the difference between premium costs with full coverage and liability only. The premiums assume no tickets, no at-fault accidents, $500 deductibles, single status, and no discounts are applied to the premium.

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If we average all the age groups together, full coverage costs an extra $1,832 per year more than insuring for liability only. A very common question is if buying full coverage is worth the expense. There is no definitive formula to drop comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

Who has the cheapest Ford Edge insurance quotes?

You have many ways to shop for and buy insurance in Massachusetts, but the three most common methods are from a captive (or exclusive) agency such as State Farm or Auto-Owners, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico.

They all have the same end result, but they differ slightly in how they provide rate quotes.

Independent agencies write for multiple companies and can compare coverage rates with all of them. They are not limited to a single company and can give you a larger rate selection, which may give you the best chance of finding a lower price. If they find a lower price, it’s simple to move the policy which makes it simple for you.

An exclusive ageny is ‘exlusive’ to one company, for example Allstate or Farmers Insurance agents. This type of agents cannot provide rate quotes from other companies, so you might not find the best rates.

Buying direct means you bypass a local agent and buy direct either online or via phone. Shopping for insurance direct is a good choice for drivers who have an average risk profile and have a decent understanding of the limitations of their policy.

Out of those three methods, which one works best for finding the best cheap insurance for a Ford Edge in Massachusetts? We wish we could say shopping direct saves the most money because there are no middleman commissions, but unfortunately, it’s not that cut and dried. It could also be said buying from an independent agent is the best way to go since there are more companies to choose from, but again, it’s not a sure thing. In many circumstances, exclusive agents may have prices that are the lowest in Massachusetts.

Due to the large number of rating factors, the best method to not overpay for insurance is to compare lots of quotes. To find the best rates, be sure to get price quotes from all three to have enough rates to compare. For a list of companies with online discounts, click here to view.

How to get the best cheap insurance for a Ford Edge in Massachusetts

Here are some of the recommended thrifty ideas that can help you find cheaper coverage.

• Drivers with good credit ratings often pay less
• Vehicles with good safety ratings are usually cheaper to insure
• Tickets and violations raise rates
• At-fault accidents can raise rates significantly
• Do not insure for full coverage
• Increase your physical damage deductibles
• Comparison shop frequently

The last suggestion is certainly important, as we discussed in the article above. Prices charged by companies in Massachusetts fluctuate constantly, so drivers shouldn’t be resistant to buy from a new company if you find a cheaper price.

Having brand loyalty is commendable, but it isn’t a good idea if your bullheadedness ends up costing you hundreds every year. Now is a great time to compare prices to find cheaper car insurance for a Ford Edge.