Best Cheap Insurance for a Ford Edge in Maine

Buying the cheapest coverage for a Ford Edge in Maine depends upon an enormous amount of rating factors such as if you rent or own your home, the insurance company you are currently insured with, and any prior driving citations you have received. Drivers pay an average of $480 annually for Edge insurance, but that figure is a ballpark figure using cost data for a 40-year-old married female who needs full physical damage coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 40 and maybe not even a female, single instead of married, or maybe you rent instead of own your home. Making even small differences in policy rating data could result in a significant change in rate quotes.

Every policy is rated specifically for the driver, so the best way to find affordable rates for your Ford is to compare rates from as many companies as possible.

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The trim level of your Ford will influence the coverage cost, so the price you will pay to insure a Edge SE 2WD model will be $70 cheaper than the insurance cost for the higher-end 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, $1000 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can decrease or increase insurance rates substantially.

Establishing which company quotes the cheapest insurance rates for a Ford Edge involves a little more work than just comparing rates from one or two companies.

Each company uses their own method for filing rates in each state, so to begin we’ll rank the insurance companies with the most affordable rates in Maine.

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Travelers may offer some of the best car insurance rates in Maine at around $612 per year. USAA, Countryway Insurance, Vermont Mutual, and Patriot also make the cut as some of the cheapest Maine car insurance companies.

As shown in the table above, if you currently have a policy with Vermont Mutual and switched to USAA, you could see savings of around $59. Maine drivers with Patriot may save as much as $69 a year, and The Hartford policyholders might lower prices by up to $87 a year.

To find the best cheap insurance for a Ford Edge in Maine, click here to get quotes or visit any of the companies below.

It’s important to note that these policy rates are averaged for all types of insureds and vehicles and and are not figured with a specific rate factor for a Ford Edge. So the company that can offer you the best price may not even be featured in the above rate chart. That point stresses why you need to get quotes using your own personalized driver profile and vehicle information.

Impact of speeding/accidents on insurance rates

Driving Violations and Car Insurance Image by QuoteInspector.com

The recommended way to obtain good insurance prices in Maine for an Edge is to be a good driver and avoid accidents and keep your driving record clean. The chart below demonstrates how citations and fender-benders can influence car insurance costs for different categories of driver ages. The prices are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

The data above shows the average cost of car insurance in Maine per year with a clean driving record and no accidents is $961. Get two speeding tickets and the average cost hikes up to $1,319, an increase of $359 each year. Now add one accident along with the two speeding tickets and the yearly cost of insurance for a Ford Edge goes up to an average of $1,685. That’s an increase of $724, or $60 per month, just for being a careless driver!

The example below shows how choosing a deductible can impact yearly insurance costs when trying to find cheap insurance for a Ford Edge. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

In the chart above, a 40-year-old driver could lower their policy premium by $218 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $328 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could drop their prices as much as $562 every year by using a higher deductible.

If you make the decision to raise deductibles, it is essential to have plenty of money set aside to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Best rates: Allstate, Geico, State Farm, or Progressive

When buying auto insurance, four companies to take a look at are Allstate, Geico, State Farm, and Progressive. When added together, they insure nearly half of the entire U.S. auto insurance market. All of them offer physical damage and liability coverage, but each has different options that shoppers can choose from. The data below breaks down pricing and service ratings, as well as optional policy coverages .