Insurance quote for Ford Edge in Colorado SpringsBuying the cheapest Colorado Springs Ford Edge insurance quotes might seem somewhat difficult for consumers that are not comfortable with quoting and buying their auto insurance on the web. With so many agents and insurers available, how are consumers expected to efficiently compare every possible option in order to find the best price?

Unimaginable but true, most consumers in Colorado have stayed with the same insurance company for at least four years, and nearly 40% of drivers have never compared rates from other carriers. American insurance shoppers can save hundreds of dollars each year by just comparing rate quotes, but they don't want to spend time to save money by comparing rate quotes.

It's a good idea to quote other rates at least once a year because rates are adjusted regularly by insurance companies. Even if you think you had the lowest rate on Ford Edge insurance in Colorado Springs six months ago other companies may now be cheaper. Block out anything you think you know about auto insurance because we're going to demonstrate how to use online quotes to find better coverage on Ford Edge insurance in Colorado Springs at a better price.

To find the best car insurance rates, there are several ways of comparing rate quotes from different Colorado Springs insurance companies. The recommended way to find affordable Ford Edge insurance rates is to perform an online rate comparison. When comparison shopping, more quotes helps locate better pricing. Not every company provides online rate quotes, so it's important to compare price estimates from them as well.

The companies shown below can provide free quotes in Colorado. If multiple companies are shown, it's highly recommended you visit several of them in order to get a fair rate comparison.

Ford Edge Insurance Rate Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $216 $346 $362 $22 $108 $1,054 $88
Edge SE AWD $226 $536 $368 $22 $110 $1,262 $105
Edge SEL 2WD $188 $424 $426 $26 $128 $1,192 $99
Edge Limited 2WD $220 $368 $460 $28 $138 $1,214 $101
Edge SEL AWD $252 $616 $456 $28 $136 $1,488 $124
Edge Limited AWD $212 $458 $338 $20 $100 $1,128 $94
Edge Sport 2WD $208 $448 $330 $20 $98 $1,104 $92
Edge Sport AWD $276 $592 $362 $22 $108 $1,360 $113
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in your specific Colorado Springs location which can raise or lower premium rates noticeably.

Tickets and at-fault accidents raise rates

The information below shows how violations and at-fault collisions raise Ford Edge insurance rates for different age categories. The premiums are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The chart below examines Ford Edge insurance prices with full phyical damage coverage and with liability coverage only. The price estimates are based on no claims or driving violations, $500 deductibles, single male driver, and no discounts are applied.

When to switch to liability coverage only

There is no exact rule to drop full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Ford Edge replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are paying more than $700 annually to have full coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where buying only liability insurance is not a good idea. If you haven't satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Comparison of policy deductibles

When buying auto insurance, a common question is which deductibles should you choose. The comparisons below help summarize the costs and benefits between high and low physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Ford Edge insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $264 $448 $352 $20 $106 $1,215 $101
Edge SE AWD $264 $546 $352 $20 $106 $1,313 $109
Edge SEL 2WD $264 $546 $352 $20 $106 $1,313 $109
Edge Limited 2WD $264 $546 $352 $20 $106 $1,313 $109
Edge SEL AWD $264 $546 $352 $20 $106 $1,313 $109
Edge Limited AWD $302 $644 $352 $20 $106 $1,449 $121
Edge Sport 2WD $302 $644 $352 $20 $106 $1,449 $121
Edge Sport AWD $302 $644 $352 $20 $106 $1,449 $121
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Ford Edge insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $192 $304 $352 $20 $106 $974 $81
Edge SE AWD $192 $368 $352 $20 $106 $1,038 $87
Edge SEL 2WD $192 $368 $352 $20 $106 $1,038 $87
Edge Limited 2WD $192 $368 $352 $20 $106 $1,038 $87
Edge SEL AWD $192 $368 $352 $20 $106 $1,038 $87
Edge Limited AWD $220 $434 $352 $20 $106 $1,132 $94
Edge Sport 2WD $220 $434 $352 $20 $106 $1,132 $94
Edge Sport AWD $220 $434 $352 $20 $106 $1,132 $94
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific location information which can change coverage rates greatly.

We can estimate from the data above that using a $100 deductible costs roughly $24 more each month or $288 every year than selecting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 17 months between claims, you would probably save some money if you decide on a higher deductible.

Special considerations

When choosing a policy for your personal vehicles, there isn't really a perfect coverage plan. Your needs are unique to you and your policy should reflect that.Drive safe and save These are some specific questions may help highlight whether you would benefit from professional advice.

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

When should I contact a local insurance agent?

A lot of people still prefer to have an agent's advice and doing so can bring peace of mind One of the benefits of comparing rate quotes online is the fact that you can find the lowest rates and still choose a local agent. And supporting neighborhood insurance agencies is especially important in Colorado Springs.

Find insurance agent in Colorado SpringsAfter completing this quick form, the quote information is submitted to local insurance agents who will give you quotes for your coverage. It's much easier because you don't need to even leave your home because quoted prices will be sent immediately to your email address. You can find better rates AND an agent nearby. If you have a need to compare prices from a particular provider, you just need to search and find their rate quote page and fill out their quote form.

The different types of auto insurance agents

If you want to use a local insurance agency, you need to know there are two different types of agencies and how they are distinctly different. Auto insurance agents can be classified as either exclusive agents or independent agents.

Independent Agencies or Brokers

Independent insurance agents often have affiliation with several companies and that is an advantage because they can write policies with an assortment of companies and get you the best rates possible. If your agent finds better pricing, the agent simply finds a different carrier and you can keep the same agent. If you need lower rates, we recommend you get rate quotes from at a minimum one independent agency to get the most accurate price comparison. A lot of them also have access to smaller mutual companies who may have lower rates.

Listed below is a short list of independent agencies in Colorado Springs that may be able to provide rate quotes.

More insurance agents

Exclusive Insurance Agencies

Exclusive insurance agents can only place business with one company like Allstate and State Farm. Exclusive agents cannot place coverage with different providers so you might not find the best rates. Exclusive agents are trained well in insurance sales and that allows them to sell at a higher price point. Some insured continue to buy from exclusive agents mostly because of the brand rather than having low rates.

Shown below are Colorado Springs exclusive insurance agents that are able to give price quotes.

More insurance agents

Picking an auto insurance agent shouldn't rely on just the premium amount. Before buying a policy in Colorado Springs, get answers to these questions.