Who Has the Cheapest Insurance for a Ford Edge in West Virginia?

Our content editors always give us grief that when writing about car insurance, the words “cheap” or “affordable” shouldn’t be used anywhere to describe car insurance prices. Notwithstanding, cheap auto insurance for a Ford Edge may be a thing of the past. Don’t let that bother you, though, because we will show you how you can still get car insurance that won’t break your budget.

Whether or not you can find affordable car insurance for a Ford Edge in West Virginia is contingent on many rating factors like whether you are a new or experienced driver, if you have a lapse in coverage, and physical damage deductibles. West Virginia drivers pay approximately $1,100 annually to insure an Edge, but that is that rates a 30-year-old single female driver that includes both comprehensive and collision coverage and $1,000 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you may not be 30 years old (or even female), maybe you are married instead of single, or maybe you just want to insure for liability only. Just a minor difference in policy rating criteria or coverages can produce large changes in policy price.

Every driver has different characteristics, so the best way to quote the cheapest coverage for your Ford is to compare as many rates as you can.

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Your vehicle’s trim level will likely have an effect on the cost of coverage, so the price you will pay to insure a Edge SE 2WD model will cost $156 less than the insurance cost for the high end Edge Sport AWD version, as shown by the rates below.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in your specific West Virginia location which can modify premium rates noticeably.

Deciphering which companies quote the most affordable auto insurance rates for a Ford Edge will take a tad more effort than just getting one or two price quotes. Every auto insurer used slightly different criteria for determining prices, so let’s take a look at the auto insurance companies with the most affordable rates in West Virginia.

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Erie may have some of the cheapest car insurance rates in West Virginia at around $904 per year. The Hartford, State Auto, Westfield, and USAA would also be considered some of the lowest-priced West Virginia car insurance companies.

As shown in the table above, if you buy coverage from Westfield and switched to Erie, you might achieve yearly savings of roughly $397. Drivers with USAA could save as much as $422 a year, and Progressive customers might reduce prices by as much as $590 a year.

Remember that these premium estimates are averaged for all insureds and vehicles and are not factoring in a specific rating modification for a Ford Edge. So the company that has the lowest price for you may not even be featured in the list of companies shown earlier. That points out the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

How to get discounts on West Virginia insurance

Insurance providers that sell the cheapest insurance for a Ford Edge in West Virginia may also provide special discounts that can lower rates by 35% or more if you meet specific eligibility requirements. A list of auto insurance companies and some of their more popular discounts include:

The illustration below shows the comparison of car insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no claims, a clean driving record, West Virginia state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, anti-theft, marriage, accident-free, passive restraint, and claim-free discounts applied. When discounts are factored in, the the average amount saved on auto insurance for a Ford Edge is % or $.

The information below demonstrates how deductibles can influence annual premium costs when quoting cheap insurance for a Ford Edge. The data is based on a married male driver, full coverage, and no policy discounts are applied.

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $294 a year by increasing from a $100 deductible up to a $500 deductible, or save $444 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, can save as much as $992 or more by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have spare funds to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.