Ford Edge Insurance

How to Choose the Right Insurance for Your Ford Edge

(Learn the ins and outs of the coverage you need)

The Ford Edge has been a choice midsize SUV from Ford’s lineup since 2007, offering drivers a practical and powerful crossover style vehicle with decent fuel economy for its class. There’s no doubt about it, driving is a risk in and of itself when you hit the road every day. In order to protect yourself from major losses, it’s important that you carry the right car insurance. A TrustedChoice.com independent agent can help you assess your needs and choose an insurance company that fits your needs and budget.

TrustedChoice.com’s find-an-agent tool will match you up with a local agent so you can start shopping for insurance immediately. 

What Kind of Insurance Do You Need for Your Ford Edge? 

Do you know why you need each type of coverage? Any number of mishaps can affect you as a driver, so carrying the proper protection is crucial. Every state has different requirements for minimum coverage, so check with your TrustedChoice.com agent for specifics. You can learn about some of the available insurance options below. 

Most states mandate the following coverages: 

Bodily injury liability 

Even if you take every precaution possible to drive carefully, you could still cause an accident and potentially injure someone else. Bodily injury liability pays for the necessary medical care and lost wages to the other party as a result of the accident. 

Property damage liability

If you cause damage to another person’s property while driving, you are responsible for repair or replacement costs. This coverage provides reimbursement for damage to the property. This could be anything from another vehicle to a fence in front of a business. 

Many states also require these coverages:

Medical payments/Personal injury protection

If you happen to cause an accident and are consequently injured, you could sustain serious injuries and need medical care. Personal injury protection provides coverage for necessary medical treatment and lost wages. 

Uninsured motorist coverage

A shocking 13% of drivers on the road are driving without car insurance. This puts all other drivers at risk for losses sustained from an uninsured motorist in the event they cause an accident. Uninsured motorist coverage provides payment for medical care and damage to your car, which could turn out to be substantial. You can also purchase Underinsured Motorist Coverage, which protects you from claims that exceed the limits of the other driver’s policy. 

Optional coverages:

Collision insurance

If you experience a collision with another vehicle or object, you could end up paying a large sum of money. This is where collision insurance comes into play, covering the cost of damage to your vehicle.

Comprehensive insurance

There are endless sources of bad luck you may encounter while driving that can result in damage to your car. Anything from a hailstorm to a fire can result in substantial costs out of your pocket. Comprehensive insurance covers the cost of needed repairs or the replacement of your car if necessary.

Glass coverage

Glass coverage can be added to your auto policy for a low monthly premium and provides payment for a windshield repair or replacement. Glass claims are all too common, so carrying glass coverage should be strongly considered. 

Gap insurance

If you owe more on your Ford Edge loan than your SUV is currently worth, you should consider purchasing gap insurance. In the case of a total loss, you would still be responsible for the remaining payments to the lender. Gap insurance covers the difference between what the car is worth and what you owe, preventing large financial losses. 

What Affects the Cost of Car Insurance for Your Ford Edge? 

Annual mileage 

Did you know the number of miles you drive each year has an effect on your premiums? A long commute to work each day inevitably means higher premiums compared to someone who doesn’t drive as often.    

Driving record 

Do you have a less than impressive driving record? It happens! Unfortunately, If you’ve had any violations in the past few years, you’ll end up with higher premiums than someone with a clean record. If you’re not sure, contact your local independent agent to check for you.

Your car’s value

Cars that are worth more typically have higher insurance premiums, as they cost more to repair and replace. The Ford Edge is reasonably priced with the following averages across the years 2016 to 2020.   

Average price of a Ford Edge
2016$13,450 - $22,300
2017$15,100 - $25,075
2018$16,875 - $27,375
2019$19,475 - $32,125
2020$31,100 - $43,265

The safety of your Ford Edge

The safety ratings and safety features of your car are evaluated by insurance companies when it comes to determining your rates. All models of the 2020 Ford Edge earned a five-star overall rating from the National Highway Traffic Safety Administration (NHTSA), making it an excellent choice for a midsize SUV. 

Where you live with your Ford Edge

Did you know that your geographical location can have an effect on your car insurance premiums? If you live in a more populated city, the chances of something like a collision or vandalism happening are greater than if you were to live in a rural town. 

What Is the Average Cost to Insure a Ford Edge?

Your auto insurance premiums will differ depending on variables like age, driving record, etc. On average, the annual insurance expense for full coverage on a Ford Edge will run you around $1,296 annually. High-risk drivers can expect to pay more, as they are more of a risk to the insurance company. 

Which states are most affordable and least affordable for car insurance? 

Estimated annual car insurance premiums in the United States:

Most expensive states:
Louisiana$1,824
Michigan$1,600
Florida$1,596
California$1,588
Rhode Island$1,544
Most affordable states:
North Dakota$428
Ohio$500
North Carolina$520
Idaho$552
Maine$556

How Can You Save on Ford Edge Car Insurance? 

If you are stressed over the cost of car insurance, there are a wide range of discounts to help you save, like: 

Top Insurance Companies That Insure the Ford Edge

No two auto insurance companies are the same, so it’s important you take the time to choose a company that fits your needs. The U.S. Independent Insurance Agent Satisfaction Study by JD Power awarded the following companies high marks: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

A TrustedChoice.com agent can help start the process of finding the right insurance company for you.  

Get a Ford Edge Insurance Quote

If you’re asking yourself why you should work with a TrustedChoice.com independent insurance agent, there are plenty of advantages. Your agent will find you the most budget-friendly auto insurance rates among numerous companies as opposed to just one. You’ll get impartial, honest advice, and fair quotes. Visit TrustedChoice.com now to match up with a local agent near you and get a car insurance quote today.

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