Cheap Ford Edge Insurance in Buffalo

Truthfully, the best way to get affordable auto insurance rates is to compare prices once a year from different companies who can sell car insurance in Buffalo.

  1. Try to comprehend how car insurance works and the measures you can control to prevent rate increases. Many things that increase rates such as at-fault accidents, speeding tickets, and a low credit rating can be amended by making minor driving habit or lifestyle changes.
  2. Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices for many different companies.
  3. Compare the new quotes to your existing policy and see if there is a cheaper rate. If you can save money, make sure coverage does not lapse between policies.
  4. Provide proper notification to your current company of your intention to cancel the current policy. Submit the required down payment along with the signed application to the new insurer. Immediately upon receiving it, put the new certificate verifying coverage in a readily accessible location in your vehicle.

An important note is to make sure you’re comparing the same deductibles and limits on every price quote and and to get quotes from every company you can. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Insurance quote for Ford Edge in BuffaloIt’s astonishing, but most car insurance policyholders have bought car insurance from the same company for well over three years, and nearly half have never compared rates with other companies. Most drivers in Buffalo could cut their rates by up to 45% a year, but they won’t spend time to compare rate quotes online.

If you’re already insured, you will surely be able to buy cheaper insurance using the techniques covered below. Buying affordable insurance in Buffalo is really quite simple as long as you have a good starting point. But New York car owners do need to learn the methods companies use to market on the web because it varies considerably.

Choices You Make Can Impact Your Insurance Rates

Part of the car insurance buying process is learning some of the factors that help calculate car insurance rates. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can earn you lower rates. Many factors are part of the calculation when you get your auto insurance bill. Some are obvious such as your driving history, but other factors are more transparent such as whether you are married or how safe your car is.

The items below are some of the factors used by insurance companies to determine rates.

To find low cost Buffalo auto insurance quotes, there are several ways of comparing rate quotes from many auto insurance companies in New York. The best way to find cheaper rates is to perform an online rate comparison.

It’s so fast and easy to compare price quotes online that it makes it a waste of time to drive to each insurance agency near you. Comparing Ford Edge insurance rates online reduces the need to sit down with an agent unless your situation requires the professional abilities that can only be provided by a licensed insurance agent. It is possible to get prices online but purchase the actual policy in an agency. Just remember that more quotes will increase your chances of finding better pricing. Not every company does online price quotes, so it’s important to also get price quotes from the smaller companies as well.

The auto insurance companies shown below are ready to provide price quotes in Buffalo, NY. If multiple companies are listed, we recommend you get price quotes from several of them to find the lowest auto insurance rates.

Rate information and statistics

The data table displayed below outlines estimates of coverage costs for Ford Edge models. Having a good understanding how auto insurance policy rates are figured can assist in making smart choices when comparing insurance quotes.

Ford Edge Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $132 $210 $272 $16 $82 $712 $59
Edge SE AWD $132 $256 $272 $16 $82 $758 $63
Edge SEL 2WD $132 $256 $272 $16 $82 $758 $63
Edge Limited 2WD $132 $256 $272 $16 $82 $758 $63
Edge SEL AWD $132 $256 $272 $16 $82 $758 $63
Edge Limited AWD $152 $302 $272 $16 $82 $824 $69
Edge Sport 2WD $152 $302 $272 $16 $82 $824 $69
Edge Sport AWD $152 $302 $272 $16 $82 $824 $69
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease premiums significantly.

Deductible analysis

One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The rates shown below help summarize the premium difference between low and high physical damage deductibles. The first data set uses a $100 physical damage coverage deductible and the second rate 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 $198 $338 $264 $16 $80 $921 $77
Edge SE AWD $198 $412 $264 $16 $80 $995 $83
Edge SEL 2WD $198 $412 $264 $16 $80 $995 $83
Edge Limited 2WD $198 $412 $264 $16 $80 $995 $83
Edge SEL AWD $198 $412 $264 $16 $80 $995 $83
Edge Limited AWD $228 $484 $264 $16 $80 $1,097 $91
Edge Sport 2WD $228 $484 $264 $16 $80 $1,097 $91
Edge Sport AWD $228 $484 $264 $16 $80 $1,097 $91
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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 $144 $228 $264 $16 $80 $732 $61
Edge SE AWD $144 $278 $264 $16 $80 $782 $65
Edge SEL 2WD $144 $278 $264 $16 $80 $782 $65
Edge Limited 2WD $144 $278 $264 $16 $80 $782 $65
Edge SEL AWD $144 $278 $264 $16 $80 $782 $65
Edge Limited AWD $166 $328 $264 $16 $80 $854 $71
Edge Sport 2WD $166 $328 $264 $16 $80 $854 $71
Edge Sport AWD $166 $328 $264 $16 $80 $854 $71
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in garaging location in Buffalo which can change auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $18 more each month or $216 annually averaged for all Edge models than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 22 months between claim filings, you would probably come out ahead if you choose the higher deductible.

The illustration below shows how choosing a deductible and can influence Ford Edge insurance premiums for different age groups of insureds. The rate quotes are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Comparison of auto insurance rates by gender and age in Buffalo

The chart below visualizes the comparison of Ford Edge insurance premiums for male and female drivers. The data assumes no accidents or driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Price comparison of only insuring for liability

The diagram below visualizes the comparison of Ford Edge insurance rates with liability coverage only compared to full coverage. The costs are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no other discounts are factored in.

When to drop comp and collision

There is no definitive formula of when to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Ford Edge replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 a year for full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Choosing Edge insurance is an important decision

Despite the high cost, auto insurance is required in New York but it also protects you in many ways.

The benefits of buying enough insurance outweigh the cost, especially for larger claims. Today the average American driver overpays as much as $810 a year so shop around once a year at a minimum to make sure the price is not too high.

Companies offer many types of discounts on Ford Edge insurance in Buffalo

Not many people think insurance is cheap, but you can get discounts that you may not even know about. Many of these discounts will be applied automatically at the time of purchase, but some need to be asked about before they will apply.Save money with discounts

Drivers should understand that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But all discounts will help reduce the cost of coverage.

The example below shows the comparison of Ford Edge yearly insurance costs with and without discounts. The prices are based on a female driver, no claims or driving citations, New York state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-policy, and multi-car discounts applied.

Companies and their possible discounts can be read below.

If you need inexpensive Buffalo auto insurance quotes, ask all companies you are considering the best way to save money. Depending on the company, some discounts might not be offered in Buffalo.

Local insurance agents

Some consumers still like to visit with an insurance agent and there is nothing wrong with that. The best thing about getting online price quotes is the fact that drivers can get lower rates and still have a local agent.

For easy comparison, once you complete this simple form, your insurance coverage information is submitted to agents in your area who will give you bids for your auto insurance coverage. It’s much easier because you don’t need to leave your house because quoted prices will be sent to you instantly. It’s the lowest rates and a licensed agent to work with. In the event you want to get a rate quote from one company in particular, you just need to jump over to their website and submit a quote form there.

Finding the right insurer shouldn’t rely on just the price. Agents should be asked these questions:

Car insurance agents in Buffalo come in two varieties

If you want to buy auto insurance from a local agent, it can be helpful to understand the different agency structures and how they are slightly different. Auto insurance agents in Buffalo can be described as either independent agents or exclusive agents.

Exclusive Agents

Exclusive insurance agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to provide other company’s prices so you might not find the best rates. Exclusive agencies receive extensive training on sales techniques and that allows them to sell at a higher price point.

Below are Buffalo exclusive insurance agencies that are able to give price quotes.

3835 McKinley Pkwy #2Buffalo, NY 14219(716) 604-0345View Map

Lou Santiago – State Farm Insurance Agent
557 Niagara StBuffalo, NY 14201(716) 883-5500View Map

7718 Buffalo AveNiagara Falls, NY 14304(716) 283-9100View Map

More Buffalo agents

Independent Agents (or Brokers)

Independent agencies are not limited to a single company and that allows them to write policies with lots of companies enabling the ability to shop coverage around. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency.

When searching for an agent, we recommend you get some free quotes from at least one independent agent so that you have a good selection of quotes to compare.

Listed below are independent agents in Buffalo who can help you get comparison quotes.

Cannizzaro Insurance Agency, Inc
432 Amherst StBuffalo, NY 14207(716) 235-8882View Map

354 Cayuga RdBuffalo, NY 14225(716) 626-0066View Map

735 Delaware AveBuffalo, NY 14209(716) 886-6600View Map

More Buffalo agents

Best auto insurance company in Buffalo

Finding the top insurance company can be a challenge considering how many companies there are in New York. The company rank data displayed below could help you decide which companies to look at when shopping around.

Top 10 Buffalo Car Insurance Companies Overall

  1. The General
  2. Mercury Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

Top 10 Buffalo Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Allstate
  10. Farmers Insurance

When do I need an agent’s advice?

When quoting and choosing coverage online or from an agent for your personal vehicles, there is no “best” method to buy coverage. Your situation is unique.Safe vehicles cost less to insure

These are some specific questions might point out if you might need an agent’s assistance.

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Cheaper car insurance is a realistic goal

When getting Buffalo auto insurance quotes online, it’s very important that you do not buy poor coverage just to save money. There are many occasions where consumers will sacrifice physical damage coverage and learned later that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the best possible price while still protecting your assets.

We covered quite a bit of information on how to get a better price on Ford Edge insurance in Buffalo. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from a small local company.

Consumers who switch companies do it for many reasons like delays in paying claims, questionable increases in premium, delays in responding to claim requests or even high prices. Regardless of your reason, switching companies can be less work than you think.

Helpful learning opportunities