Best Car Insurance for Ford Edge SE 2022
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Best insurance for Ford Edge SE
One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 28% per year insuring their Ford Edge SE when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Ford Edge SE drivers after switching with Jerry.
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How much does it cost to insure a Ford Edge SE
The average annual cost to insure a Ford Edge SE is $2,275, which is $604 lower than the average annual cost to insure Fords. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.
Insurance coverage to consider for a Ford Edge SE
While the mandatory liability coverage will be the cheapest option to insure your Edge SE, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather
What determines your car insurance cost for a Ford Edge SE
In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.
The cost of insurance for a Ford Edge SE will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Ford Edge SE than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Ford Edge SE:
The year of your car
Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Ford Edge SE will be lower for an older car. These are real quotes Jerry has found for drivers of a Ford Edge SE based on model year:
While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Ford Edge SE with different carriers:
Trim levels and vehicle materials
The Ford Edge SE comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Ford Edge SE.
How can I save money when insuring my Ford Edge SE
If you’re looking to save money on your insurance premiums for your new Edge, you’ve come to the right place. A few ways to minimize your monthly payments are to compare quotes online, watch your driving record, and take advantage of discounts.
Comparison shopping is one of the easiest ways to find lower insurance prices. Usually, that means filling out long forms, making phone calls, and trying to compare policies to see what you’re getting.
Let Jerry do all that hard work for you! Jerry gathers competitive quotes for you from up to 50 top providers in a matter of minutes. (And comparing quotes is completely free!)
You can take care of all your insurance needs through the Jerry app––review your current policy, browse quotes, and get started with a new policy in just a few minutes.
Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want.
Skip the extra features
Your Edge SE automatically comes with all-wheel drive, 8-speed automatic transmission, and two different color options for cloth seats. Optional packages are limited––you can purchase a black appearance package or a few cargo accessories.
If you want anything from a leather-wrapped steering wheel to an upgraded sound system, you’ll need to upgrade to a higher trim or install accessories on your own.
Be aware that these extra features will cause your insurance rates to rise, as they increase the value of your car.
Invest in anti-theft and safety features
Anti-theft and safety features positively impact your insurance rates. Thankfully, your Edge SE comes standard with lane-keep assist, automated emergency braking, and blind-spot monitoring.
You may also lower your rates by installing extra anti-theft features to decrease your car’s overall perceived risk. Good additions include an aftermarket alarm system and a steering wheel lock.
Keep a clean record
Keeping a clean driving record can prevent you from seeing sky-high premiums––and it’s something almost entirely within your control.
While a parking ticket or two is nothing to sweat, avoid incurring several minor violations or even one major violation (think DUI) if you don’t want to face higher rates for years on end.
Look for discounts
Finally, applying for discounts can be a lifesaver. Almost all insurance providers offer them, but they’re not always advertised. Be sure to ask your provider about discounts that are available in your area.
Common discounts include bundling home and auto insurance, multi-vehicle discounts, safe driving discounts, good student discounts, and even teacher, military, and federal employee discounts.