How Much Does Insurance Cost for a Ford Edge in Arkansas?

Our content editors always give us grief that when writing about auto insurance, the word cheap should never appear anywhere in the article to describe car insurance prices. Despite the oxymoron, cheap auto insurance for a Ford Edge is not always easy to find. Don’t let that bother you, though, because we will teach you how you can quote and buy auto insurance that is considered budget-friendly.

Your ability to find the cheapest insurance for a Ford Edge in Arkansas depends on things like whether you are single or married, where your vehicle is garaged, and your motor vehicle report. Drivers on average pay approximately $720 each year to insure an Edge, but that figure is an approximation assuming a 50-year-old married male driver that has full comprehensive and collision coverage and $1,000 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 50 and maybe not even a male, you might be single instead of married, and maybe you have sub-par credit that needs to be factored in. Making minor changes in quote information can result in big changes in the cost of insuring your Edge.

There is no one cookie-cutter policy that works for everyone, so the best way to find the most affordable coverage for your Ford is to do your own rate comparisons. Quotes only take a few minutes and you will receive prices from some of the best companies that offer coverage in Arkansas.

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The trim level of your Ford will likely have an effect on the yearly cost, so the price to insure a Edge SE 2WD trim level will cost $100 less than the insurance cost for the high end Edge Sport AWD trim level, as shown below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates considerably.

Deciding which company has the cheapest auto insurance rates for a Ford Edge may require more work in order to find coverage that fits your buget. Each auto insurer uses their own formula to set their prices, so let’s look at the rankings for the auto insurance companies with the most affordable rates in Arkansas.

It’s important to understand that Arkansas auto insurance rates are calculated based on many things which can substantially change the cost of a policy. Turning one year older, buying a new vehicle, or having an accident may cause policy rate changes that can cause some rates to be more affordable than the competition.

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USAA may offer some of the most affordable car insurance rates in Arkansas at around $991 a year. Auto Club, Travelers, Southern Farm Bureau, and State Farm also make the cut as some of the more affordable Arkansas car insurance companies.

As depicted above, if you currently have coverage with Auto Club and switched to USAA, you could realize an annual savings of about $24. Drivers with Travelers may save as much as $102 a year, and Southern Farm Bureau customers might reduce rates by $186 a year.

To find cheap insurance for a Ford Edge in Arkansas for your vehicle, click here to start your custom quote or click through to the companies below.

It’s important to note that these premium estimates are averaged for all types of insureds and vehicles and are not factoring in a specific rate factor for a Ford Edge. So the auto insurance company that is most affordable for your situation may not even be shown in the above list. That point stresses why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Discounts on cheap insurance for a Ford Edge in Arkansas

Auto insurance companies that provide policies for a Ford Edge could also offer rate discounts that can reduce rates by 40% or more if you meet the requirements. A few popular companies and the discounts they provide include:

• Esurance offers discounts including anti-lock brakes, online quote, paid-in-full, Pac-12 alumni, multi-car, online shopper, and defensive driver.
• The Hartford has discounts for bundle, good student, defensive driver, anti-theft, and driver training.
• AAA may include discounts for multi-policy, good driver, multi-car, AAA membership discount, education and occupation, and pay-in-full.
• GEICO policyholders can earn discounts including multi-policy, driver training, emergency military deployment, five-year accident-free, anti-lock brakes, defensive driver, and membership and employees.
• State Farm has savings for good student, multiple autos, accident-free, anti-theft, driver’s education, multiple policy, and defensive driving training.

The diagram below visualizes the comparison of insurance premiums with and without discounts applied to the rates. The premiums are based on a female driver, no driving violations, no at-fault accidents, Arkansas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, passive restraint, multiple vehicle, defensive driving course, accident-free, and marriage discounts applied. When taking advantage of discounts, the the average yearly reduction on auto insurance for a Ford Edge is 28% or $530.

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Is the best company Allstate, Progressive, Geico, or State Farm?

If you are shopping around for insurance for an Edge in Arkansas, the top insurers to get price quotes from are Allstate, Progressive, Geico, and State Farm. The table below shows ratings for price, service, and claims, in additional to some of the optional coverages that policyholders can buy.

Cheapest Ford Edge insurance quotes

There are quite a few ways to buy auto insurance in Arkansas, but the most preferred are through an independent or non-exclusive agent, an exclusive agency such as Allstate or Liberty Mutual, or direct online or over the phone from a company like Geico or Progressive.

You can use whichever method you prefer, but it’s important to point out the distinctions in how they provide price quotes.

Independent agents can place your business with multiple companies and can get rate quotes from all of them. Independent agents can quote with many companies and compare multiple rates, which can give you the best chance of finding a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies.

An agent who is captive is only able to write with a single company, two of the more popular are a State Farm or Allstate agent. Exclusive agents normally do not have the ability to quote prices from more than a single company, so always compare other rates.

The third way to buy auto insurance is direct which means you bypass local insurance agents and instead shop direct either online or via phone. This option may be the best choice families who do not need high amounts of coverage and have an above average understanding of how auto insurance works and possible exclusions.

Which method is best for finding cheap insurance for a Ford Edge in Arkansas? We wish we could say buying direct saves money since that prevents the need to pay agent commissions, but in reality, that is not the case. We could also assume that buying from an independent agent is the best way because they can shop around, but again, that’s not accurate. And sometimes, exclusive agents have extremely competitive rates that are the cheapest in Arkansas.

Due to the large number of rating factors, the best method to get rock-bottom rates is to get as many comparison quotes as possible. If you want to save money, get price quotes from independent, exclusive, and direct to have the best rate selection. For a list of companies with some of the cheapest Arkansas auto insurance rates, click here to view.