How Much is Auto Insurance for a Ford Edge in Buffalo?

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Ford Edge insurance
Ford Edge insurance image courtesy of QuoteInspector.com

Finding cheaper car insurance for a Ford Edge depends on a whole bunch of rating criteria such as whether you are single or married, where your vehicle is garaged, and your driving record. New York drivers will pay around $608 annually to insure their Edge, but that cost is a projection using a 40-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.

But there is a high probability that you are not 40 and maybe not even a male, you might be single instead of married, or maybe you want different physical damage deductibles. Different coverage needs are the reason why the best method for finding cheap insurance prices for your Ford is to just compare rates yourself. Quotes are always free and you will be able to see rates from some of the best companies around.

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Your Ford's trim level has an effect on the cost of coverage, so the price to insure a Edge SE 2WD trim level will be $86 less than the price to insure the more costly Edge Sport AWD trim level, as shown in the table below.

Ford Edge Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $100 $164 $272 $16 $82 $634 $53
Edge SE AWD $100 $200 $272 $16 $82 $670 $56
Edge SEL 2WD $100 $200 $272 $16 $82 $670 $56
Edge Limited 2WD $100 $200 $272 $16 $82 $670 $56
Edge SEL AWD $100 $200 $272 $16 $82 $670 $56
Edge Limited AWD $114 $236 $272 $16 $82 $720 $60
Edge Sport 2WD $114 $236 $272 $16 $82 $720 $60
Edge Sport AWD $114 $236 $272 $16 $82 $720 $60
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in specific location information which can modify price quotes substantially.

Finding decent, low-priced insurance is challenging, and figuring out which insurers offer the lowest-priced insurance rates for a Ford Edge calls for even more diligence. Each insurer uses slightly different criteria for setting rates, so first we will examine the most affordable insurance companies in Buffalo.

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Rankings for the cheapest New York auto insurance companies
Rank Company Cost Per Year
1 USAA $1,152
2 Erie $1,205
3 Utica National $1,504
4 Progressive $1,558
5 MetLife $1,572
6 Travelers $1,575
7 Allstate $1,603
8 Amica $1,628
9 Preferred Mutual $1,703
10 GEICO $1,850
11 New York Central Mutual $1,892
12 State Farm $1,924
13 Safeco $1,946
14 Central Mutual $2,008
15 Liberty Mutual $2,026
16 Hanover $2,369
17 Encompass $2,610
18 Nationwide $3,054
19 Mercury $3,926
20 21st Century $4,324
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USAA may have some of the lowest car insurance rates in Buffalo at around $1,152 each year. This is $923 less than the average policy premium paid by New York drivers of $2,075. Erie, Utica National, Progressive, and MetLife also qualify as some of the most economical Buffalo, NY car insurance companies.

As shown in the table above, if you have coverage with MetLife and switched to Erie, you might achieve a yearly price reduction of approximately $367. New York drivers with Travelers might save as much as $370 a year, and Allstate policyholders might cut rates by $398 a year.

Understand that those estimates are averaged across all drivers and vehicles in New York and and are not calculated with an exact location for a Ford Edge. So the insurer that fits your needs best may not even be in the list above. That underscores the importance of why you need to get rate quotes using your own personal information and vehicle type.

The chart below highlights how deductible choice can raise or lower insurance premiums when getting quotes for cheap insurance for a Ford Edge. The price estimates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $244 a year by switching from a $100 deductible up to a $500 deductible, or save $366 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, could shave as much as $606 each year by using a higher deductible.

When raising deductibles, it will be necessary to have enough savings to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.

The importance of shopping around for Edge insurance

New York insurance rates are based on many factors that may substantially change the policy premium. Improving your credit rating, moving to a different location, or having an at-fault accident can cause premium changes resulting in some companies being affordable when they were higher priced. And not only may your rating factors change, but companies amend pricing every year in order to maintain liquidity for claims. An extended period of higher than normal claims may result in increased policy costs, while profitable underwriting may cause lower-priced Edge insurance rates.

For instance, the data below shows rates for the cheapest car insurance in Buffalo, NY for a 35-year-old male driver with a clear driving record, no claims, and good financial standing. Based on his current rating profile, USAA has the cheapest car insurance rates in Buffalo at $1,822 a year. This is $253 less than the average policy premium paid by New York drivers of $2,075. Erie, Utica National, Allstate, and Progressive are the rest of the cheapest Buffalo, NY auto insurance companies.

Let's now give the driver from the first example an at-fault accident, a lower credit score, and a speeding citation. Since every car insurance company uses their own formula to establish rates, comparing rates most likely will result in a substantially altered list of affordable companies as shown below.

Amica now has the cheapest auto insurance in Buffalo with MetLife, Preferred Mutual, Erie, and New York Central Mutual now being in the top five. This illustrates why it is crucial to take the time to shop around when trying to get the most affordable auto insurance rates for a Ford Edge.

Insurance rates consist of many different factors and can change without notice, so the most economical company the last time you shopped around may now be quite expensive.

Tips to find low-cost auto insurance for a Ford Edge

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help you quote low-cost coverage.

That last tip is notably crucial, as we stressed in this write-up. Prices charged by car insurance companies adjust often, so drivers shouldn't be reluctant to buy from a new company if a better rate can be found.

Having a favorite company is great, but is isn't recommended if that dedication is costing a fortune every year. Spend a few minutes and compare prices and find cheaper auto insurance for a Ford Edge in Buffalo.