2008 Ford Edge Insurance Cost

Trying to find lower auto insurance rates for your Ford Edge? Feel like you’re a prisoner to high-priced auto insurance? It’s a common feeling and there are a lot of people just like you who feel imprisoned by their auto insurance policy.

With drivers having so many insurance companies to choose from, it is very difficult to find the best auto insurance provider.

It’s a good habit to get comparison quotes periodically because insurance prices are constantly changing. Just because you had the best deal on Edge coverage at your last renewal there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the proper way to get good coverage at a lower rate.

How to buy insurance online

Effectively comparing insurance prices can be challenging if you don’t understand the most efficient way to do it. You could spend the better part of a day driving to insurance agencies in your area, or you could use the web to get rates in a matter of minutes.

Most of the best insurance companies belong to an insurance system where prospective buyers complete one form, and every company then returns a price quote for coverage. This prevents consumers from doing quote requests to every company.

To get comparison pricing now click here (opens in new window).

The one downside to using this type of system is that you can’t choose the providers to get pricing from. So if you want to choose specific providers to compare prices, we have assembled a list of insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing identical coverages and limits for each price quote. If each company quotes higher or lower deductibles it will be nearly impossible to make an equal comparison. Quoting even small variations in insurance coverages or limits may result in large price differences. Keep in mind that comparing all the rates in your area helps increase your odds of locating a lower rate. Not every company allows you to get quotes online, so it’s recommended that you also compare price quotes on coverage from those companies, too.

Discounts for lower-cost insurance rates

Insurance is not an enjoyable expense, but there may be some discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but occassionally some discounts must be asked for before you will receive the discount. If you do not double check each discount possible, you could be saving more on your insurance.

• Paperwork-free – A handful of insurance companies will give a small break for completing your application over the internet.
• Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% on Edge coverage than their less cautious counterparts.
• Distant Student – who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Defensive Driving Course – Participating in a course in safe driver could save 5% or more and easily pay for the cost of the class.
• Homeowners Savings – Owning a house can get you a discount due to the fact that maintaining a home is proof that your finances are in order.

As a sidenote, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

To locate insurers that offer some of these discounts, click here.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

• What is high-risk coverage and where do I buy it?
• When can I cancel my policy?
• Does car insurance cover theft of personal property?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I have coverage when pulling a U-Haul trailer?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered if I hit a deer?
• Do I benefit by insuring my home with the same company?
• Does my car insurance cover rental cars?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average car insurance policy.

Liability car insurance – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like attorney fees, legal defense fees, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision coverage covers damage to your Edge resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, rock chips in glass, hail damage, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, EMT expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage