Cheap Insurance for a Ford Edge in North Carolina

Our editors keep telling us that when writing about car insurance, the words “cheap” or “affordable” shouldn’t be used as a descriptor for car insurance rates. Unfortunately, cheap car insurance for a Ford Edge is almost non-existent. But don’t let that discourage you, because we will show you how you can quote car insurance that you are able to afford.

Your ability to find cheap auto insurance for a Ford Edge in North Carolina depends upon factors like whether you own a home, your geographic location, and the level of deductible you choose. Drivers pay around $780 a year to buy Ford Edge insurance, but that figure is assuming a 30-year-old single male driver that has full comprehensive and collision coverage and $500 policy deductibles.

There is a good possibility you are not 30 and possibly not even male, married instead of single, or possibly you just want cheap liability coverage. Auto insurance is unique to every driver, so the only real way to find cheap auto insurance rates for your Ford is to compare rates from as many companies as possible. To start saving now, get free quotes and you will be able to see rates from top-rated car insurance companies that offer coverage in North Carolina.

Cheapest Ford Edge Insurance Rates

Your vehicle’s trim level impacts the cost of coverage, so the price to insure a Edge SE 2WD model will be $116 cheaper than the cost to insure the fancier Edge Sport AWD version, as shown in the table below.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can change premiums considerably.

Ending up with a high-quality insurance company can be rather challenging considering how many choices there are in North Carolina. The rank data in the lists below may help you decide which car insurance companies to look at when trying find the best insurance for a Ford Edge.

These ratings only include the companies with a significant amount of written premium nationwide, so companies that only write business in North Carolina or surrounding areas are not factored into the list. To get rate quotes and find the cheapest rates for a Ford Edge, click this link.

Top 10 Large Auto Insurance Providers in North Carolina Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Large Auto Insurance Providers in North Carolina Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top Companies for Ford Edge Insurance in North Carolina

The diagram below highlights how deductible choice can raise or lower annual premium costs when getting quotes for cheap insurance for a Ford Edge. The prices are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could lower rates by $196 a year by switching from a $100 deductible up to a $500 deductible, or save $294 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could drop their prices up to $486 or more just by choosing higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it is important to have plenty of discretionary funds to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Cheapest car insurance: State Farm, Geico, Allstate, or Progressive

When buying insurance for an Edge in North Carolina, four companies to consider are State Farm, Geico, Allstate, and Progressive. Each one has slightly different options that may steer you one way or another. The following table compares and contrasts ratings for price and service, as well as some optional coverages offered by each company.

How to get cheap insurance for a Ford Edge in North Carolina

The list below summarizes some of the recommended penny-pinching ideas that can help North Carolina drivers buy cheaper car insurance.

• Raise your physical damage coverage deductibles
• If possible, pay for small claims out-of-pocket
• Buy a safer vehicle
• Good credit can help you save money
• Save money by bundling your home and auto policies
• Drop full coverage on older vehicles
• Check for cheaper rates once a year

The last tip in the list is highly important, as was pointed out in this write-up. Auto insurance rates can change significantly in a year, so drivers shouldn’t be reluctant to switch to a new company if a lower price can be found. Loyalty to a specific company is fine, but it’s not recommended if that loyalty results in overpaying several hundred dollars every year. If you have a few minutes, now is a great time to shop around to find cheaper auto insurance for a Ford Edge.

Who has the cheapest Ford Edge insurance quotes?

There are quite a few ways to get cheap auto insurance quotes in North Carolina, but the three most common are from an exclusive agency like State Farm or Liberty Mutual, an independent insurance agent, or direct online or over the phone from a company like Geico or Progressive.

All three ways are similar, but they differ slightly in how they provide rate quotes.

Independent insurance agencies can place your business with multiple companies and can do rate comparisons with each one. Agents of this type are appointed with more than one company and can compare multiple rates, which may provide you with improved odds of finding cheaper coverage. If premiums increase, the business is moved internally and you won’t have to switch agencies.

An agent who is captive is only able to give prices for a single company like an Allstate or Liberty Mutual agent. Exclusive agents cannot provide rates from more than one company, so if prices are high they cannot provide alternatives.

Choosing to buy auto insurance direct means you do not use local agents and buy direct online or over the phone from a company like Progressive or Geico. Shopping direct may be the best choice people who do not need risk management and have knowledge of what coverage options they need.

Which way works best for finding cheap insurance for a Ford Edge in North Carolina? The obvious answer would be shopping direct saves money because there isn’t an agent involved, but that turns out to not be true. We could also assume that buying from an independent agent can save the most money since they can quote with many companies, but that’s not always true, either. In many circumstances, exclusive agencies have price quotes well below independent agents AND direct companies.

Due to the fact that auto insurance rates vary so much, really the only way to ensure you are not overpaying for auto insurance is to compare lots of quotes. In a perfect world, youll get prices from all three to give yourself the best selection. For a list of companies offering online discounts in North Carolina, click here to view.