Cheap Insurance for a Ford Edge in Kansas

Your chances of finding the cheapest coverage for a Ford Edge in Kansas relies on many rating factors like how you use your vehicle, if you are currently insured, and any prior driving offenses. Kansas drivers pay an average rate of $870 each year for Edge insurance, but that rate is an approximation calculated based on a 30-year-old married female driver who requires full comprehensive and collision coverage and $250 physical damage deductibles.

But there is a good chance that you aren’t exactly 30 years old or even a female, maybe you are single instead of married, or maybe you have a speeding ticket that needs to be factored in. Having the smallest difference in the factors used to determine rates can lead to a significant difference in policy price.

Everyone has unique insurance needs, and this illustrates why the most reliable way to find the most affordable coverage for your Ford is to get into the habit of shopping around regularly. In just a couple of minutes you will receive price comparisons from top-rated companies that insure Ford vehicles in Kansas.

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The trim level of your vehicle impacts price, so the cost to insure a Edge SE 2WD model will be $156 cheaper than the cost to insure the more well-appointed Edge Sport AWD model, as shown by the rates below.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in vehicle location which can influence insurance rates significantly.

Selecting a good quality car insurance provider can be difficult considering how many companies are available to choose from in Kansas. The information shown below can help you select which insurers you want to consider purchasing a policy from. These rankings are only made up of large insurance companies, so companies that only write business in Kansas or surrounding areas are not factored into these rankings.

The illustration below shows how choosing a deductible can influence premium costs when quoting cheap insurance for a Ford Edge. The rate quotes are based on a married female driver, full coverage, and no additional discounts are factored in.

The chart above illustrates that a 40-year-old driver could save $224 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $340 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, could reduce their rates $560 each year just by choosing larger deductibles. When increasing deductibles, it is essential to have additional funds squirreled away to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Accidents and violations increase rates

One of the best ways to maintain cheap insurance for a Ford Edge in Kansas is to be a safe driver and avoid accidents and traffic violations. The information below shows how traffic citations and accidents impact car insurance rates for each different age group. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,613. Get two speeding tickets and the average cost jumps to $2,306, an increase of $693 each year. Now add in one accident along with the two speeding tickets and the annual cost of insurance for a Ford Edge jumps again to an average of $3,013. That’s an increase of $1,399, or $117 per month, just for not being a responsible driver!

State Farm, Allstate, Progressive, and Geico: Who is best?

When shopping around for insurance for an Edge, four companies to definitely compare rates with are State Farm, Allstate, Progressive, and Geico. Combined they have almost half of the entire U.S. market share. All of them have slightly different coverages and options that may affect your buying decision. The following table breaks down some of the different options and features offered by each company.