Cheap Insurance Quotes for a Ford Edge in South Dakota

Our staff writers always rib each other than when writing about car insurance, the words “affordable” or “cheap” should not be used anywhere in the article to describe car insurance rates. Unfortunately, cheap car insurance for a Ford Edge is almost non-existent. Don’t get your dauber down, because we can show you some ways you can quote and buy auto insurance that doesn’t cost an arm and a leg.

Whether or not you can find cheap coverage for a Ford Edge in South Dakota depends on many rating factors like how many miles you drive each year, whether or not you have filed claims in the past, and your driving record. South Dakota drivers pay on average $790 a year to insure their Edge, but that rate is a ballpark figure using rate data for a 40-year-old married female driver who requires full coverage including both comprehensive and collision and $500 physical damage deductibles.

It’s highly likely that you may not be 40 years old (or even female), possibly single instead of married, or maybe you just want liability only instead of full coverage. Changing even a minor factor in the factors used to determine rates can make a large difference in rate quotes.

Auto insurance is unique to each driver, so the most reliable way to find cheap insurance prices for your Ford is to compare as many rates as you can. In just a few minutes you will receive rate quotes from some of the cheapest companies that sell coverage in South Dakota.

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Vehicle trim level impacts the coverage cost, so the cost to insure a Edge SE 2WD model will be $130 less than the cost to insure the more well-appointed Edge Sport AWD model, as demonstrated by the prices below.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific South Dakota garaging location which can raise or lower premium rates greatly.

Trying to buy reasonably-priced car insurance is not always easy, and figuring out which company has the cheapest auto insurance rates for a Ford Edge will involve even more rate comparisons.

Each insurer uses a different method to determine rates, so let’s take a look at the most competitive auto insurance companies in South Dakota.

Best Cheap Insurance Rates for Your Edge

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USAA offers some of the cheapest car insurance rates in South Dakota at around $650 per year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Farmers also make the cut as some of the cheapest South Dakota insurance companies.

As the example above demonstrates, if you are currently insured with Farmers Mutual of Nebraska and switched to USAA, you might see an annual premium reduction of in the neighborhood of $386. Policyholders with Farmers might save as much as $416 a year, and Western National insureds might cut rates by $418 a year.

To find cheap insurance for a Ford Edge in South Dakota for your vehicle, click here to start your free quote or feel free to get quotes from the companies below.

Bear in mind that those rates are averages for all drivers and vehicles in South Dakota and do not factor in a specific rate factor for a Ford Edge. So the auto insurance company that can offer you the best price may not even be featured in the above rate chart. That points out the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

Discounts on cheap insurance for a Ford Edge in South Dakota

Car insurance companies that offer coverage for a Ford Edge may also provide policy discounts that could reduce prices by 40% or more if you can meet the requirements. Larger auto insurance companies and a summarized list of policyholder discounts can be read below.

• 21st Century has discounts for homeowners, theft prevention, air bags, automatic seat belts, teen driver, and anti-lock brakes.
• Progressive has savings for online quote discount, multi-policy, continuous coverage, homeowner, online signing, good student, and multi-vehicle.
• State Farm offers discounts including Drive Safe & Save, good student, multiple autos, anti-theft, accident-free, and safe vehicle.
• Nationwide may offer discounts for family plan, good student, multi-policy, business or organization, and Farm Bureau membership.
• Esurance may have discounts that include multi-car, Switch & Save, anti-lock brakes, online shopper, and Pac-12 alumni.
• The Hartford offers discounts for defensive driver, anti-theft, driver training, bundle, and air bag.

The illustration below compares car insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, a clean driving record, no claims, South Dakota state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, vehicle safety, marriage, homeowner, and claim-free discounts applied. In this example, the the average yearly reduction on auto insurance for a Ford Edge is 28% or $404.

Why it’s important to shop around

South Dakota auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. Simply improving your credit, buying a new vehicle, or having a fender bender may prompt premium changes resulting in some rates now being cheaper in comparison to the competition.

Not only may things change on your end, but car insurance companies change prices without warning to adjust for unexpected claims or profits. Higher than normal claim frequency or severity can cause a rate increase, while lower claim expenses can result in cheaper Edge insurance rates.

To help illustrate this point, the chart below shows which company has the cheapest car insurance in South Dakota for a 45-year-old male driver with no accidents or violations, and great credit. If we compare prices based on his current rating profile, USAA might quote the best car insurance rates in South Dakota at $650 a year. This is $660 less than the average rate paid by South Dakota drivers of $1,310. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin are also on the list of the cheapest South Dakota auto insurance companies.

Let’s now give the driver from above an accident surcharge, a lower credit rating, and an imperfect driving record. Due to the fact that every auto insurer has a unique approach for determining rates, comparing prices may now present a significantly different list of the cheapest companies as shown below.

Farmers now has the lowest car insurance rate in South Dakota with Allied, Buckeye, Farm Bureau Mutual, and Auto-Owners completing the list. This illustrates why it is critical to compare as many rates as possible when trying to find the most budget-friendly car insurance quotes for a Ford Edge.

Car insurance prices are calculated by many things and change dramatically, so the cheapest rate three years ago may now be one of the more expensive options.

How to find budget-friendly car insurance for a Ford Edge

Lowering your rates is not difficult, and here are some money-saving solutions that can help drivers quote cheap car insurance.

• Avoid speeding and other traffic citations and pay less
• Claim-free policyholders usually earn a discount
• Prevent rate increases by staying accident-free
• Safer vehicles generally have cheaper insurance rates
• Bundle home and auto and earn a discount
• Compare rates regularly to ensure the best deal

The last suggestion is incredibly significant, as was affirmed in the article above. Insurance rates fluctuate constantly, so don’t be unwilling to buy a different policy if a more affordable price is available. Staying with the same company for years is fine, but it’s not a great idea if your bullheadedness ends up costing you a wad of cash every year. It takes less than five minutes to compare prices to find cheaper car insurance for a Ford Edge.