Insurance quote for Ford Edge in EvansvilleThink you have an overpriced auto insurance policy? Believe me when I say you're not the only one.

Statistics show that nearly 70% of consumers renewed their policy with the same company for more than four years, and almost half have never even shopped around for cheap coverage. The average driver in Indiana could pocket $700 a year just by comparing rates, but they underestimate how much they could save if they changed companies. Since you have so many choices of insurance companies that have affordable insurance for a Ford Edge in Evansville, it's difficult to pick the cheapest auto insurance company.

Finding the cheapest insurance coverage in Evansville is actually very simple if you learn how to start. If you have a current insurance policy or just want cheaper rates, use these techniques to shop for the lowest rates without reducing coverage. You just have to know the proper way to get comparison quotes on the web.

Companies offering Ford Edge insurance in Evansville

The companies shown below provide free rate quotes in Evansville, IN. If multiple companies are shown, it's highly recommended you visit as many as you can to get the best price comparison.

Ford Edge Insurance Costs in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $146 $250 $264 $16 $80 $756 $63
Edge SE AWD $148 $334 $364 $22 $110 $978 $82
Edge SEL 2WD $216 $366 $368 $22 $110 $1,082 $90
Edge Limited 2WD $132 $288 $294 $18 $88 $820 $68
Edge SEL AWD $192 $402 $290 $18 $86 $988 $82
Edge Limited AWD $152 $340 $294 $18 $88 $892 $74
Edge Sport 2WD $160 $320 $290 $18 $86 $874 $73
Edge Sport AWD $268 $632 $380 $22 $114 $1,416 $118
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific Evansville garaging location which can change rates substantially.

Premiums by gender and age

The diagram below illustrates the difference between Ford Edge insurance prices for male and female drivers. The rate quotes are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Physical damage deductibles

The information below demonstrates how deductibles and can increase or decrease Ford Edge annual premium costs for different age categories. The premium estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.

Higher deductibles lower rates

One of the most common car insurance questions is what deductibles to buy. The premium rates below may aid in understanding the costs and benefits between high and low physical damage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Ford Edge insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $210 $358 $280 $16 $84 $973 $81
Edge SE AWD $210 $436 $280 $16 $84 $1,051 $88
Edge SEL 2WD $210 $436 $280 $16 $84 $1,051 $88
Edge Limited 2WD $210 $436 $280 $16 $84 $1,051 $88
Edge SEL AWD $210 $436 $280 $16 $84 $1,051 $88
Edge Limited AWD $242 $514 $280 $16 $84 $1,161 $97
Edge Sport 2WD $242 $514 $280 $16 $84 $1,161 $97
Edge Sport AWD $242 $514 $280 $16 $84 $1,161 $97
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Ford Edge insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $116 $188 $280 $16 $84 $684 $57
Edge SE AWD $116 $230 $280 $16 $84 $726 $61
Edge SEL 2WD $116 $230 $280 $16 $84 $726 $61
Edge Limited 2WD $116 $230 $280 $16 $84 $726 $61
Edge SEL AWD $116 $230 $280 $16 $84 $726 $61
Edge Limited AWD $134 $270 $280 $16 $84 $784 $65
Edge Sport 2WD $134 $270 $280 $16 $84 $784 $65
Edge Sport AWD $134 $270 $280 $16 $84 $784 $65
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in zip code location which can influence price quotes noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $29 more each month or $348 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 31 months between claim filings, you would probably come out ahead if you opt for a higher deductible. The table below illustrates the way this determination is made.

Average monthly premium for $100 deductibles: $91
Average monthly premium for $1,000 deductibles (subtract): - $62
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $29
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 higher deductibles means you will have to pay more of your own money at claim time. You will want to have enough disposable income in the event you have to pay the higher deductible in order to repair your vehicle.

Affordable rates on Ford Edge insurance in Evansville with these auto insurance discounts

Auto insurance is easily one of your largest bills, but there may be some discounts that can help lower your rates. Certain credits will be shown when you get a quote, but less common discounts must be asked about in order for you to get them.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you won't be that lucky.

Car insurance companies that may have these benefits are:

Check with each company what discounts are available to you. Some discounts may not apply to policyholders in your area. To view insurance companies that provide some of the discounts listed above in Indiana, click here to view.

Car insurance quotes from local neighborhood Evansville car insurance agents

Certain consumers would rather have an agent's advice and there is nothing wrong with that. Insurance agents are highly skilled in risk management and help file insurance claims. A good thing about getting free rate quotes online is you may find cheap car insurance rates and still have a local agent.

Find insurance agent in EvansvilleFor easy comparison, once you complete this short form, the quote information is transmitted to local insurance agents who will gladly provide quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to find an agent on your own due to the fact that quote results will go directly to you. If you wish to compare prices from one company in particular, you would need to find their quoting web page and fill out their quote form.

Picking an company should include more criteria than just a cheap price quote. Here are some questions to ask:

If you're trying to find an insurance agent, there are two different agency structures from which to choose. Car insurance agencies may be either independent agents or exclusive agents depending on their employer. Either can sell affordable car insurance policies, but it's important to know the differences since it may influence your agent selection.

Exclusive Car Insurance Agencies

Agents that elect to be exclusive are contracted to one company like Farmers Insurance and State Farm. Exclusive agents cannot compare other company's rates so they have to upsell other benefits. Exclusive agencies are usually well trained on sales techniques and that enables them to sell even at higher rates.

Shown below are exclusive insurance agencies in Evansville that can give you comparison quotes.

125 N Weinbach Ave #820a - Evansville, IN 47711 - (812) 401-4606 - View Map

1211 Tutor Ln Ste F - Evansville, IN 47715 - (812) 471-3276 - View Map

2621 Stringtown Rd #4 - Evansville, IN 47711 - (812) 477-0542 - View Map

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Independent Car Insurance Agents

Agents in the independent channel can sell policies from many different companies so as a result can place your coverage with lots of companies and find you cheaper rates. If you are not satisfied with one company, they simply switch companies in-house and the insured can keep the same agent.

If you are trying to find cheaper rates, it's a good idea to get some free quotes from several independent insurance agents for maximum quote selection.

Listed below are independent insurance agents in Evansville who can help you get rate quotes.

2015 Stringtown Rd - Evansville, IN 47711 - (812) 425-1351 - View Map

2029 Washington Ave - Evansville, IN 47714 - (812) 479-3141 - View Map

401 SE 6th St #106 - Evansville, IN 47708 - (888) 788-1565 - View Map

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Be persistent and save

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

You just read a lot of techniques to reduce Ford Edge insurance premium rates online in Evansville. The key thing to remember is the more quotes you get, the better likelihood of getting low cost Evansville auto insurance quotes. You may even find the best price on auto insurance is with a lesser-known regional company. Some small companies may only write in your state and offer lower prices than their larger competitors like Progressive or GEICO.

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