Cheap Insurance Quotes for a Ford Edge in Rhode Island

Finding the cheapest coverage for a Ford Edge in Rhode Island depends on a complex rating formula that takes into consideration things such as whether you are a new or experienced driver, your credit score, and your choice of physical damage deductibles. Drivers pay an average of $950 annually to buy insurance for a Ford Edge, but that rate is a valuation using rating data for a 50-year-old married female driver with full comprehensive and collision coverage and $500 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you are not 50 and possibly not even female, you might be single instead of married, and maybe you have sub-par credit that needs to be factored in. Every driver has a different risk profile, so the way we recommend to find the cheapest insurance price for your Ford is to just take the time to compare rates yourself.

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The specific model of Edge tends to have a direct impact on the annual cost of coverage, so the price you will pay to insure a Edge SE 2WD model will be $152 less expensive the cost to insure the higher-priced Edge Sport AWD version, as shown in the chart below.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates noticeably.

Establishing which companies offer the best auto insurance rates for a Ford Edge requires a tad more effort in order to find the best policy. Each auto insurance company uses their own calculation to establish rates, so let’s examine the auto insurance companies with the most affordable rates in Rhode Island.

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USAA may offer some of the cheapest car insurance rates in Rhode Island at around $698 each year. State Farm, Travelers, Progressive, and Amica also make the cut as some of the cheaper Rhode Island car insurance companies.

In the above example, if you currently buy coverage from State Farm and switched to USAA, you could realize an annual premium reduction of about $430. Drivers with Travelers may save as much as $548 a year, and Progressive customers might realize rate reductions of up to $786 a year.

To get a quick, customized rate comparison, click here or click through to the companies below.

Bear in mind that those policy prices are averaged across all drivers and vehicles in Rhode Island and and are not figured with a specific rate value for a Ford Edge. So the company that is best for you may not even be shown in the rate chart shown above. That point stresses why you need to compare rates from multiple companies using your own individual information.

How to get discounts on Rhode Island auto insurance rates

Car insurance companies that provide cheap insurance for a Ford Edge in Rhode Island may have premium discounts that could lower prices by as much as 25% or more if you meet eligibility requirements. A few popular companies and a summarized list of policyholder discounts are shown below.

• Progressive offers discounts including multi-policy, multi-vehicle, homeowner, good student, online signing, and continuous coverage.
• GEICO may have discounts that include military active duty, five-year accident-free, anti-theft, seat belt use, emergency military deployment, and anti-lock brakes.
• State Farm offers premium reductions for defensive driving training, multiple policy, safe vehicle, Steer Clear safe driver discount, good driver, and multiple autos.
• Esurance offers discounts for multi-car, homeowner, multi-policy, emergency road assistance, good student, safety device, and Switch & Save.
• The Hartford may include discounts for bundle, anti-theft, air bag, driver training, good student, and defensive driver.

The information below compares car insurance rates with and without discounts applied to the rates. The price estimates are based on a female driver, no accidents, no driving violations, Rhode Island state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, claim-free, anti-theft, multiple policy, defensive driving course, and safe-driver discounts applied. When discounts are applied, the the average amount saved on auto insurance for a Ford Edge is 28% or $653.

Rate difference between full and liability-only coverage

Finding cheap insurance for a Ford Edge in Rhode Island should be important to the majority of vehicle owners, and one of the quickest ways to buy cheaper insurance is to only pay for liability coverage. The chart below shows the comparison of insurance costs with and without physical damage coverage. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

As an average for all age groups, comp and collision coverage costs $2,120 per year more than buying just liability insurance. That is a significant amount which raises the question if physical damage coverage is worth the money. There is no set rule for dropping physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

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

When shopping around for car insurance, the four most popular companies are State Farm, Allstate, Progressive, and Geico. The data below rates ratings and policy coverage options you can expect with each one.