2007 Ford Edge Car Insurance Quotes – 5 Ideas for Best Rates

Searching for the cheapest car insurance rates for your Ford Edge? Are you burned out from not being able to afford to pay your car insurance bill each month? You are no different than many other consumers. Insurance companies such as State Farm, Allstate, Geico and Progressive increase brand awareness with TV and radio ads and it can be hard to avoid their marketing magic and find the best price available.

It is always a good idea to compare premium rates before your policy renews because rates tend to go up over time. Just because you had the best premium rates on Edge coverage on your last policy a different company probably has better prices today. You can find a lot of wrong information about car insurance online but we’re going to give you some excellent ideas to buy car insurance cheaper.

If you have a policy now or are shopping for new coverage, you can use these tips to find better prices and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners just need to know the proper methods to compare company rates on the web.

How to buy auto insurance online

There are several ways to shop for auto insurance, and some are easier and takes less work. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web to quickly compare rates.

Many insurance companies enroll in a system where prospective buyers submit one quote, and at least one company can provide price quotes for coverage. This prevents consumers from doing form submissions to every company.

To access this free quoting program, click here (opens in new window).

The one downside to getting quotes like this is you cannot specify which carriers you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but compare apples-to-apples quote information with each company. If you use different liability limits you will not be able to decipher which rate is best.

Big names are not always cheapest

Consumers constantly see and hear ads for insurance coverage savings by Geico, State Farm and Progressive. All the companies make the same claim that you can save just by switching your policy.

That’s great but how can every company charge less that you’re paying now? It’s all in the wording.

Insurance companies have specific criteria for the driver that is profitable for them. For instance, a preferred risk may be between the ages of 40 and 55, is a homeowner, and has a short commute. A customer getting a price quote who matches those parameters will probably get cheap rates and will also save money with a new company.

Potential customers who do not match these stringent criteria will probably be forced to pay a more expensive rate with the end result being business not being written. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save that much. That is how companies can truthfully make claims that they all have the best premium rates.

This illustrates why it’s extremely important to do a price quote comparison at every renewal. It’s just too difficult to predict the company that will give you lower car insurance rates than your current company.

Do you qualify for these five discounts?

Insurance coverage is neither fun to buy or cheap, but you might find some hidden discounts to help offset the cost. Certain credits will be shown at quote time, but occassionally some discounts must be requested specifically in order for you to get them.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and the ABS can save up to 10%.
  • Multiple Cars – Buying coverage for several vehicles on a single policy can get a discount for every vehicle.
  • Defensive Driver – Taking a safe driver course could earn you a small percentage discount and make you a better driver.
  • Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations can get you a small discount when getting a car insurance quote.
  • Multi-policy Discount – If you insure your home and vehicles with one company you could save up to 20% and get you cheap car insurance.

As is typical with insurance, many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.

To locate providers that offer discounts, click here.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help you determine whether you would benefit from an agent’s advice.

  • If my 2007 Ford Edge is totaled, can I afford another vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Will my insurance pay for OEM parts?
  • Can I rent a car in Mexico?
  • How many claims can I have before being cancelled?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these 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 or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2007 Ford Edge.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

This provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, structural damage and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like nursing services, X-ray expenses, dental work, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, sideswiping another vehicle, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, fire damage, damage from flooding and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Stretch your dollar

When getting car insurance quotes online, you should never reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Throughout this article, we presented some good ideas how you can shop for 2007 Ford Edge insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may be surprised to find that the best price on car insurance is with the smaller companies. They may have significantly lower prices on certain market segments compared to the large companies like Progressive and Geico.

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