Finding the cheapest car insurance for a Ford Edge in Nevada depends on a very complex rating algorithm that uses multiple factors such as how many years you have been driving, where your vehicle is garaged, and the deductible amount you use. Drivers in Nevada will pay around $865 each year for Edge insurance, but that cost is calculated based on a 40-year-old single female driver with full coverage and $1,000 deductibles.
If we were betting, you’re not a 40-year-old female, maybe you are married instead of single, or you just want cheap liability insurance instead of full coverage. Even a minor difference in rating factors or requested coverage amount may result in a big change in policy price.
Car insurance coverage is unique to each driver, so this is why the only real way to find cheap insurance rates for your Ford is to compare rates from as many companies as possible. Rate quotes are easy and you will receive rate quotes from some of the most affordable companies that insure vehicles in Nevada.
Your Ford’s trim level will have an impact the yearly cost, so the rate you will pay to insure a Edge SE 2WD model will cost $120 less than the price to insure the more costly Edge Sport AWD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Edge SE 2WD||$124||$234||$400||$24||$120||$902||$75|
|Edge SE AWD||$124||$286||$400||$24||$120||$954||$80|
|Edge SEL 2WD||$124||$286||$400||$24||$120||$954||$80|
|Edge Limited 2WD||$124||$286||$400||$24||$120||$954||$80|
|Edge SEL AWD||$124||$286||$400||$24||$120||$954||$80|
|Edge Limited AWD||$142||$336||$400||$24||$120||$1,022||$85|
|Edge Sport 2WD||$142||$336||$400||$24||$120||$1,022||$85|
|Edge Sport AWD||$142||$336||$400||$24||$120||$1,022||$85|
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in specific garaging location which can raise or lower coverage prices considerably.
Insuring your vehicle with a high-quality car insurance company can be challenging considering how many different companies there are to choose from in Henderson. The company rank data displayed below could help you pick which insurers you want to consider to insure your vehicles.
The rankings below include companies that insure vehicles across America, so companies that may only write in Nevada are not factored into these rankings. To compare rates from the insurers below and more, click here.
Top 10 Large Auto Insurers in Henderson Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Impact of citations and accidents on insurance rates
The common sense way to find cheap auto insurance rates in Nevada for an Edge is to be a safe driver and not receive tickets or have accidents. The chart below highlights how traffic violations and accidents can impact premium costs for each age group. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,734. Get one speeding ticket and the average cost hikes up to $2,018, an increase of $283 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Ford Edge goes up to an average of $2,834. That’s an increase of $1,100, or $92 per month, just for not being a responsible driver!
The information below highlights how deductible choice can increase or decrease insurance rates when getting quotes for cheap insurance for a Ford Edge. Data assumes a single female driver, comp and collision included, and no discounts are factored in.
A 30-year-old driver could lower their car insurance rates by $324 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $486 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could lower their rates as much as $724 or even more by using a higher deductible.
When raising deductibles, it will be important to have additional savings on hand to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
How to find cheaper insurance for a Ford Edge
It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help Nevada drivers buy cheap coverage.
- Raise deductibles to save money
- Improve your credit score
- Do not pay for full coverage if not needed
- Buying home and auto insurance together can earn discounts
- Buy a car with high safety ratings
- Earn discounts for being claim-free
- Compare rates regularly and switch companies to save money
That last idea is extraordinarily crucial, as was pointed out in the prior information. Prices charged by companies go up and down frequently, so you should be ready to buy from a different company if a lower-cost policy is available. Having a favorite company is fine, but it’s not a good idea if that inflexibility results in costing you a lot of money. In just a few minutes you could compare rates to find cheaper auto insurance for a Ford Edge in Henderson.