Insurance for Ford EdgeShopping for discount Denver Ford Edge insurance quotes on the web can seem to be impossible for vehicle owners who are new to price shopping over the internet. When there are so many companies competing online, how are vehicle owners expected to possibly compare all the different companies and get the best available price?

Sadly, most consumers have bought insurance from the same company for at least the last four years, and nearly the majority have never compared quotes from other companies. Most drivers in Denver could save approximately 35% every year, but most undervalue the benefits if they replace their high priced policy.

Save money on Ford Edge insurance in Denver with these auto insurance discounts

Car insurance companies don't necessarily list every discount they offer in a way that's easy to find, so we researched a few of the more common and also the lesser-known discounts that you can inquire about if you buy Denver auto insurance online.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, that's just not realistic.

Some companies that have these money-saving discounts are:

If you are trying to find affordable Ford Edge insurance quotes, ask all the companies the best way to save money. Savings may not apply to policies in Denver.

When quoting car insurance, remember that comparing a large number of companies provides better odds of finding a lower rate.

The companies shown below are ready to provide price quotes in Denver, CO. If several companies are displayed, it's highly recommended you get rates from several of them to get the best price comparison.

Ford Edge Insurance Costs in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $146 $236 $352 $20 $106 $860 $72
Edge SE AWD $226 $536 $396 $24 $118 $1,300 $108
Edge SEL 2WD $264 $546 $352 $20 $106 $1,288 $107
Edge Limited 2WD $126 $282 $368 $22 $110 $908 $76
Edge SEL AWD $226 $562 $396 $24 $118 $1,326 $111
Edge Limited AWD $208 $448 $330 $20 $98 $1,104 $92
Edge Sport 2WD $234 $528 $368 $22 $110 $1,262 $105
Edge Sport AWD $344 $644 $460 $28 $138 $1,614 $135
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific zip code location which can change insurance rates significantly.

Physical damage deductible comparison

When shopping for auto insurance, a common question is what deductibles to buy. The figures shown below may help to conceptualize the rate difference when you select higher and lower coverage deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.

Ford Edge insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $236 $376 $352 $20 $106 $1,115 $93
Edge SE AWD $236 $458 $352 $20 $106 $1,197 $100
Edge SEL 2WD $236 $458 $352 $20 $106 $1,197 $100
Edge Limited 2WD $236 $458 $352 $20 $106 $1,197 $100
Edge SEL AWD $236 $458 $352 $20 $106 $1,197 $100
Edge Limited AWD $272 $538 $352 $20 $106 $1,313 $109
Edge Sport 2WD $272 $538 $352 $20 $106 $1,313 $109
Edge Sport AWD $272 $538 $352 $20 $106 $1,313 $109
Get Your Own Custom Quote Go
Ford Edge insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $146 $236 $352 $20 $106 $860 $72
Edge SE AWD $146 $288 $352 $20 $106 $912 $76
Edge SEL 2WD $146 $288 $352 $20 $106 $912 $76
Edge Limited 2WD $146 $288 $352 $20 $106 $912 $76
Edge SEL AWD $146 $288 $352 $20 $106 $912 $76
Edge Limited AWD $168 $340 $352 $20 $106 $986 $82
Edge Sport 2WD $168 $340 $352 $20 $106 $986 $82
Edge Sport AWD $168 $340 $352 $20 $106 $986 $82
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in your specific Denver location which can lower or raise coverage prices considerably.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $25 more each month or $300 annually than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 30 months between claim filings, you would probably save some money if you choose a higher deductible.

Accidents and violations increase rates

The diagram below shows how speeding tickets and fender-benders drive up Ford Edge car insurance rates for each different age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

How Your Edge Insurance Costs are Determined

The best way to find cheaper car insurance is to take a look at the different types of things that help calculate the price you pay for car insurance. When you know what positively or negatively determines premiums, this enables informed choices that may reward you with cheaper rates.

Shown below are some of the most rate-impacting factors utilized by car insurance companies to help set premiums.

Which is the best auto insurance?

When choosing coverage online or from an agent, there isn't really a one size fits all plan. You are unique.

For instance, these questions can aid in determining if your insurance needs could use an agent's help.

If it's difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance agents are trained to help

Some people still like to talk to an insurance agent and that is recommended in a lot of cases The best thing about getting free rate quotes online is that drivers can save money and get cheap rate quotes and still have a local agent. Putting coverage with neighborhood agents is especially important in Denver.

Insurance agency in DenverAfter completing this quick form, your information is instantly submitted to agents in your area that can provide free Denver auto insurance quotes to get your business. You don't have to contact an agency due to the fact that quote results will go immediately to your email address. You can find lower rates AND an agent nearby. If you need to compare prices from a specific car insurance provider, feel free to find their quoting web page and complete a quote there.

When looking for an insurance agent, it's helpful to know the different agency structures and how they operate. Car insurance policy providers are classified as either independent or exclusive.

Independent Insurance Agents

Agents that choose to be independent are not employed by one company so they can write business through lots of different companies and help determine which has the cheapest rates. If they quote lower rates, your agent can switch companies and that require little work on your part. When comparing car insurance rates, you definitely need to get rate quotes from multiple independent agents to have the best price comparison. Most also write with smaller companies who may have lower rates.

Below is a partial list of independent agents in Denver that may be able to provide free car insurance rate quotes.

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Exclusive Agents

Agents in the exclusive channel write business for a single company and some examples include AAA, Allstate, and State Farm. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. They are usually well trained in insurance sales which helps offset the inability to provide other markets. Consumers often buy insurance from these agents primarily because of the brand rather than having the cheapest rates.

Below is a short list of exclusive insurance agents in Denver who can help you get rate quotes.

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Picking the best insurance agent requires you to look at more than just a cheap quote. These questions are important to ask:

Buying the right Ford Edge insurance in Colorado is an important decision

Despite the high cost of buying insurance for a Ford Edge in Denver, insurance may be required for several reasons.

The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $810 a year so you should quote rates at every renewal to ensure rates are competitive.

Quote. Compare. Save.

Throughout this article, we presented many ideas to lower your Ford Edge insurance car insurance rates in Denver. The most important thing to understand is the more price quotes you have, the better likelihood of getting low cost Denver auto insurance quotes. Consumers may even find the lowest car insurance rates come from some of the smallest insurance companies.

Budget-friendly auto insurance in Denver can be found on the web in addition to many Denver insurance agents, so you should compare both in order to have the best chance of saving money. Some companies may not have price quotes online and many times these smaller providers work with independent agents.

Consumers who switch companies do it for a number of reasons such as policy non-renewal, not issuing a premium refund, delays in responding to claim requests and high rates after DUI convictions. It doesn't matter why you want to switch choosing a new company is less work than it seems.

More detailed auto insurance information can be read in the articles below: