Insurance for Ford EdgeLocating the cheapest insurance for a Ford Edge in South Carolina can turn out to be a lot of work, but you can learn these tips to save time. There are more efficient ways to buy car insurance so you're going to learn the quickest way to price shop coverage for a Ford and get the cheapest rates from both online companies and Columbia agents.

The Ford Edge Insurance Cost Equation

The best way to find cheaper auto insurance is to take a look at some of the things that aid in calculating your auto insurance rates. When you know what positively or negatively determines premiums, this helps enable you to make changes that could result in lower rates.

Premiums are affected by your credit rating - A driver's credit score can be a huge factor in determining your rates. If your credit can use some improvement, you could be paying less to insure your Ford Edge by spending a little time repairing your credit. People with high credit ratings tend to be less risk to insure than those with lower credit scores.

Impacts performance impacts premiums - The performance of the vehicle you need insurance for makes a significant difference in your premium level. Because the Ford Edge falls in the crossover class, rates will be slightly more when compared to the average rates in Columbia. Smaller low performance passenger vehicles normally have pretty low rates, but many other things help determine your insurance rates.

Policy add-ons add up - Policies have optional add-on coverages that may not really be needed on your auto insurance policy. Coverage for things like roadside assistance, death and dismemberment, and membership fees may be wasting your money. You may think they are a good idea at first, but if you have no use for them think about removing them and cutting costs.

Safety first - Cars with five star safety ratings tend to have better insurance rates. Safer cars reduce the chance of injuries and reduced instances of injuries means lower claim amounts and thus lower rates.

Ford Edge statistical loss data - Companies use past loss statistics for each vehicle to calculate a price that will offset losses. Vehicles that tend to have higher prevalence or dollar amount of losses will have increased rates. The table below demonstrates the historical insurance loss data for Ford Edge vehicles.

For each coverage type, the statistical loss for all vehicles as a whole is considered to be 100. Values that are 100 or less imply a favorable loss record, while values over 100 point to more losses or an increased chance of a larger loss.

Auto Insurance Loss Data for Ford Edge Models

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Edge 4dr 2WD 53 93
Ford Edge 4dr 4WD 71 108 75

Empty fields indicate not enough data collected
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

The quickest way to compare car insurance rates for Ford Edge insurance in Columbia utilizes the fact most of the larger companies participate in online systems to give rate comparisons. All consumers are required to do is provide the companies a bit of rating information including an estimate of your credit level, whether or not you need a SR-22, your job, and the ages of drivers. That information is instantly provided to insurance companies and they return cost estimate immediately.

To start a quote now, click here and enter your zip code.

The companies in the list below offer quotes in Columbia, SC. If multiple providers are shown, it's a good idea that you visit several of them to get a more complete price comparison.

Ford Edge Insurance Price Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $220 $412 $444 $26 $132 $1,234 $103
Edge SE AWD $198 $436 $358 $22 $108 $1,122 $94
Edge SEL 2WD $144 $298 $320 $18 $96 $876 $73
Edge Limited 2WD $184 $412 $412 $24 $124 $1,156 $96
Edge SEL AWD $198 $440 $320 $18 $96 $1,072 $89
Edge Limited AWD $264 $524 $342 $20 $102 $1,252 $104
Edge Sport 2WD $254 $592 $444 $26 $132 $1,448 $121
Edge Sport AWD $184 $434 $386 $22 $116 $1,142 $95
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in Columbia location which can increase or decrease coverage prices significantly.

Higher deductibles save money

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The data tables below outline the cost difference when you buy lower versus higher insurance deductibles. The first rate table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Ford Edge insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $230 $366 $342 $20 $102 $1,085 $90
Edge SE AWD $230 $444 $342 $20 $102 $1,163 $97
Edge SEL 2WD $230 $444 $342 $20 $102 $1,163 $97
Edge Limited 2WD $230 $444 $342 $20 $102 $1,163 $97
Edge SEL AWD $230 $444 $342 $20 $102 $1,163 $97
Edge Limited AWD $264 $524 $342 $20 $102 $1,277 $106
Edge Sport 2WD $264 $524 $342 $20 $102 $1,277 $106
Edge Sport AWD $264 $524 $342 $20 $102 $1,277 $106
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Ford Edge insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $142 $230 $342 $20 $102 $836 $70
Edge SE AWD $142 $280 $342 $20 $102 $886 $74
Edge SEL 2WD $142 $280 $342 $20 $102 $886 $74
Edge Limited 2WD $142 $280 $342 $20 $102 $886 $74
Edge SEL AWD $142 $280 $342 $20 $102 $886 $74
Edge Limited AWD $162 $330 $342 $20 $102 $956 $80
Edge Sport 2WD $162 $330 $342 $20 $102 $956 $80
Edge Sport AWD $162 $330 $342 $20 $102 $956 $80
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in zip code location which can lower or raise prices substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $24 more each month or $288 annually than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 31 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

An important sidenote is that a higher deductible means you will have to cover more of the damage yourself when you have to file a claim. You should have enough disposable savings in the event you have to pay more to get your vehicle repaired.

Advertising myths

Consumers in South Carolina can't get away from ads for insurance savings by companies like GEICO, State Farm and Progressive. They all state the claim about saving some big amount just by switching your coverage.

But how can every company give you a better price on Ford Edge insurance in Columbia? This is the way they can do it.

Insurance companies have specific guidelines for the type of customer that earns them the most money. A good example of a desirable insured could be a female over age 40, has other policies, and drives a vehicle with a low ISO rating. Anybody who matches those parameters will get very good Columbia prices and have a good chance to save when they switch companies.

Insureds who cannot meet those standards will probably have to pay higher prices with the end result being the customer not purchasing. If you listen to the ad wording, they say "people who switch" not "everybody who quotes" can get the lowest rates when switching. That's the way insurance companies can confidently lure you into getting a quote. This emphasizes why it's extremely important to get as many free Columbia car insurance quotes as possible. Because you never know which insurance company will have the lowest Ford Edge insurance in Columbia.

Auto insurance is an important decision

Despite the potentially high cost of Ford Edge insurance, paying for auto insurance is not optional due to several reasons.

The benefits of buying auto insurance are without a doubt worth the cost, especially if you ever need it. But the average American driver is wasting up to $825 a year so we recommend shopping around once a year at a minimum to ensure rates are competitive.

Verify you're applying every discount

Auto insurance companies don't always publicize every discount in a way that's easy to find, so the following list contains a few of the more well known and also the more inconspicuous credits that may apply to you.Cheaper insurance with discounts

As a sidenote, some credits don't apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky.

Larger insurance companies and some of the discounts can be found below.

Before purchasing a policy, check with every insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in Columbia. If you would like to see a list of insurers that have a full spectrum of discounts in South Carolina, click this link.

Compare prices but work with a local neighborhood Columbia car insurance agent

Some consumers still like to sit down with an agent and that is just fine! Good agents are highly skilled in risk management and give you someone to call. An additional benefit of comparing rate quotes online is the fact that drivers can get cheap rate quotes but still work with a licensed agent.

To help locate an agent, after submitting this quick form, your information is transmitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. You won't need to find an agent on your own since rate quotes are delivered to you directly. In the event you want to get a price quote from a specific insurance company, you would need to navigate to their website and fill out the quote form the provide.

Finding the right insurer is decision based upon more than just a cheap price. These are some questions your agent should answer.

Listed below are agents in Columbia who can help you get price quotes for Ford Edge insurance in Columbia.

More insurance agents

You can find cheap coverage

Cheaper Ford Edge insurance in Columbia is definitely available online as well as from insurance agents, so you should compare both so you have a total pricing picture. Some car insurance companies may not provide the ability to get quotes online and many times these small insurance companies only sell coverage through local independent agencies.

As you shop your coverage around, you should never reduce needed coverages to save money. There are many occasions where an insured cut uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

You just read many ideas to reduce Ford Edge insurance rates online in Columbia. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding inexpensive Columbia car insurance quotes. You may even be surprised to find that the best price on car insurance is with a small mutual company.

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