Cheap Quotes for Ford Edge Insurance in Houston

Ford Edge insurance cost
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Insurance quote for Ford Edge in HoustonNo one in their right mind gets a kick out of paying for car insurance, especially knowing they could find lower prices if they just compared rates.

Sadly, the vast majority of consumers have purchased from the same company for well over three years, and nearly the majority have never taken the time to shop around. Many drivers in Houston could save $1,766 a year, but they just don't understand how easy it is to compare rates. Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

Finding cheaper car insurance prices is an easy way to save money. The only thing you need to do is take the time comparing rates to see which company has affordable Ford Edge insurance quotes.

Getting rates online is very simple and it takes the place of having to call or drive to different Houston agent offices. The fact that you can get quotes online has reduced the need for local agents unless you want the peace of mind of a local agency. Although, it is possible find lower rates online but buy the policy through an agent.

The providers in the list below have been selected to offer price comparisons in Texas. If multiple companies are shown, it's a good idea that you get price quotes from several of them to get a more complete price comparison.

Ford Edge Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $256 $408 $382 $22 $114 $1,182 $99
Edge SE AWD $198 $412 $358 $22 $108 $1,098 $92
Edge SEL 2WD $222 $504 $366 $22 $110 $1,224 $102
Edge Limited 2WD $180 $312 $500 $30 $150 $1,172 $98
Edge SEL AWD $190 $368 $392 $24 $118 $1,092 $91
Edge Limited AWD $266 $580 $514 $30 $154 $1,544 $129
Edge Sport 2WD $208 $368 $500 $30 $150 $1,256 $105
Edge Sport AWD $156 $360 $430 $26 $128 $1,100 $92
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location information which can lower or raise auto insurance rates significantly.

Should you raise deductibles?

The example below highlights how deductible selection and can affect Ford Edge insurance premiums for different categories of driver ages. The rates are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Auto insurance rates by age and gender

The information below compares Ford Edge insurance costs for male and female drivers. The price estimates are based on no claims, a clean driving record, comp and collision included, $250 deductibles, marital status is single, and no discounts are factored in.

Where to set your deductibles

One frequently asked question is how low should you set your deductibles. The following insurance rates sum up how much more rates are of buying low and high deductibles. The first data set uses a $100 deductible and the second price chart uses a $1,000 deductible.

Ford Edge insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $286 $486 $382 $22 $114 $1,315 $110
Edge SE AWD $286 $592 $382 $22 $114 $1,421 $118
Edge SEL 2WD $286 $592 $382 $22 $114 $1,421 $118
Edge Limited 2WD $286 $592 $382 $22 $114 $1,421 $118
Edge SEL AWD $286 $592 $382 $22 $114 $1,421 $118
Edge Limited AWD $328 $698 $382 $22 $114 $1,569 $131
Edge Sport 2WD $328 $698 $382 $22 $114 $1,569 $131
Edge Sport AWD $328 $698 $382 $22 $114 $1,569 $131
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Ford Edge insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $158 $256 $382 $22 $114 $932 $78
Edge SE AWD $158 $312 $382 $22 $114 $988 $82
Edge SEL 2WD $158 $312 $382 $22 $114 $988 $82
Edge Limited 2WD $158 $312 $382 $22 $114 $988 $82
Edge SEL AWD $158 $312 $382 $22 $114 $988 $82
Edge Limited AWD $182 $368 $382 $22 $114 $1,068 $89
Edge Sport 2WD $182 $368 $382 $22 $114 $1,068 $89
Edge Sport AWD $182 $368 $382 $22 $114 $1,068 $89
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can decrease or increase premium rates substantially.

Based on these figures, using a $100 deductible will cost in the ballpark of $38 more each month or $456 every year than requesting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 24 months between claims, you would probably come out ahead if you opt for a higher deductible.

Get discounts on Houston auto insurance

The cost of insuring your cars can be expensive, but there could be available discounts that may help make it more affordable. Some discounts apply automatically at quote time, but a few need to be specially asked for before being credited.Discount auto insurance

Discounts lower rates, but most of the big mark downs will not be given to the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, that's just not realistic.

A few popular companies and a selection of discounts are included below.

When getting a coverage quote, ask each company or agent to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies everywhere.

Informed Consumers Know How to Buy Car Insurance More Affordably

It's important that you understand a few of the rating criteria that aid in calculating the price you pay for car insurance. If you know what controls the rates you pay, this allows you to make educated decisions that can earn you lower premium levels. Many different elements are used when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but some are not quite as obvious like your continuous coverage or your financial responsibility.

The itemized list below are some of the factors used by insurance companies to determine your rate level.

Local neighborhood Houston car insurance agents

Some consumers still prefer to talk to an insurance agent and that is recommended in a lot of cases Professional insurance agents are highly skilled in risk management and help in the event of a claim. A nice benefit of price shopping on the web is that you can find the best rates and still choose a local agent.

Houston insurance agentsUpon completion of this simple form, your information is submitted to insurance agents in Houston who will give you bids for your insurance coverage. There is no need to visit any agencies since rate quotes are delivered straight to your inbox. If you want to compare rates for a specific company, you would need to visit that company's website and fill out the quote form the provide.

Finding the right insurer needs to be determined by more than just a low price. The following questions are important to ask.

When researching a reputable agency, it helps to know the two different types of agents that you can choose from. Auto insurance policy providers can be classified as either independent or exclusive depending on the company they work for. Either type can sell affordable auto insurance policies, but it is a good idea to know the subtle differences since it can impact buying decisions.

Exclusive Insurance Agents

Agents that elect to be exclusive have only one company to place business with and some examples include State Farm, Allstate, and Farm Bureau. These agents are not able to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

Listed below are exclusive insurance agents in Houston that are able to give price quote information.

10103 Fondren Rd #150 - Houston, TX 77096 - (832) 431-4222 - View Map

14901 TX-249 #105 - Houston, TX 77086 - (713) 464-2077 - View Map

6489 Wilcrest Dr - Houston, TX 77072 - (281) 498-1010 - View Map

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Independent Auto Insurance Agencies

Agents of this type are appointed with more than one company and that gives them the ability to insure with any number of different companies and get you the best rates possible. If you are not satisfied with one company, your policy is moved internally and you don't have to do anything.

When comparing auto insurance prices, you need to compare quotes from at a minimum one independent agency so that you can do a thorough price comparison.

The following is a list of independent agents in Houston that are able to give price quotes.

360 FM 1959 - Houston, TX 77034 - (281) 484-8320 - View Map

450 North Sam Houston Pkwy E #103 - Houston, TX 77060 - (281) 445-1381 - View Map

13430 Northwest Fwy #600 - Houston, TX 77040 - (713) 956-9800 - View Map

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Insurance agents can help

When quoting and choosing the best auto insurance coverage, there really is no "best" method to buy coverage. Your needs are not the same as everyone else's so this has to be addressed.Safe vehicles cost less to insure Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

If you're not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance ads are enticing

Texas consumers can't avoid all the ads for cheaper auto insurance by State Farm, Allstate and GEICO. All the ads advertise claims that people will save just by moving your auto insurance coverage to their company.

How is it possible that every company can have lower policy pricing? This is how they do it.

Companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a driver they prefer may be between 30 and 50, has never had a policy lapse, and drives a safe vehicle. Anybody who matches those parameters will most likely get cheap premium rates and will probably cut their Ford Edge insurance rates if they switch.

Insureds who do not fit the requirements may be required to pay more expensive rates and the customer buying from a different company. Company advertisements say "drivers who switch" but not "all drivers who get quotes" will save that much if they switch. That is how insurance companies can state the savings. Because of this risk profiling, it's extremely important to do a price quote comparison at every renewal. It is impossible to guess the company that will give you the biggest savings.

Don't give up on affordable coverage

We covered some good ideas how to reduce Ford Edge insurance car insurance rates online in Houston. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with an unexpected company. These smaller insurers often have lower premium rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

Cost effective Ford Edge insurance is attainable from both online companies as well as from insurance agents, so get free Houston auto insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who may not offer rate quotes online and these small, regional companies sell through local independent agencies.

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