Save on 2009 Ford Edge Insurance Rates

Want the cheapest insurance coverage rates for your Ford Edge? Have you had enough of trying to scrape together enough money to pay high insurance coverage rates every month? You’re in the same situation as many other drivers. With drivers having so many options, it is very difficult to pick the best insurance coverage company.

What impacts Ford Edge insurance rates?

Lots of things are taken into consideration when pricing auto insurance. Some are pretty understandable like your driving record, but other factors are more transparent such as whether you are married or your vehicle rating.Consumers need to have an understanding of a few of the rating criteria that come into play when calculating your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to lower premium levels.

The itemized list below are some of the most rate-impacting factors used by your company to calculate your rates.

  • Keep the miles off and save – Driving a lot of miles each year the more it will cost to insure it. The majority of insurers calculate rates partially by how you use the vehicle. Autos used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. It’s a smart idea to ensure your declarations sheet properly reflects annual mileage. Incorrect rating for your Edge is throwing money out the window.
  • Youthful drivers pay high prices – Youthful drivers are proven to be more careless when behind the wheel therefore auto insurance rates are much higher. Parents adding a first-time driver onto a policy can be very expensive. More experienced drivers have been proven to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.
  • Your address can affect costs – Residing in areas with lower population has it’s advantages when insuring your vehicles. People in densly populated areas have to deal with more auto accidents and more severe claims. Fewer people means less chance of accidents and lower theft and vandalism rates.
  • Married people drive safer – Being married actually saves money on your policy. Having a significant other translates into being less irresponsible and it’s proven that married drivers tend to have fewer serious accidents.
  • High credit equals lower costs – An insured’s credit history can be a huge factor in calculating your premium rate. So if your credit score is lower than you’d like, you may save money insuring your 2009 Ford Edge if you improve your credit rating. Drivers who have excellent credit scores tend to be more responsible and file fewer claims than drivers with bad credit.

The quickest method to compare car insurance rates utilizes the fact auto insurance companies allow for online access to give rate comparisons. The one thing you need to do is provide a small amount of information like coverage limits, whether your vehicle is owned or leased, how much school you completed, and your credit rating estimate. Those rating factors is sent automatically to all major companies and they provide comparison quotes instantly to find the best rate.

To compare rates now, click here and complete the form.

Don’t overlook these insurance discounts

Insurance is expensive, but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but some may not be applied and must be asked for in order for you to get them.

  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared with accident-prone drivers.
  • Distant Student Discount – who are attending college and do not take a car to college may be insured at a cheaper rate.
  • Discount for Home Ownership – Being a homeowner can get you a discount since home ownership is proof that your finances are in order.
  • Onboard Data Collection – Drivers who elect to allow their company to scrutinize driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.
  • Membership in Organizations – Having an affiliation with a qualifying organization could trigger savings on insurance.
  • Low Mileage Discounts – Low annual miles could earn slightly better insurancerates than normal.
  • Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save up to 5%.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Large insurance companies and a summarized list of policyholder discounts are outlined below.

  • Farm Bureau offers discounts including multi-policy, renewal discount, good student, youthful driver, and multi-vehicle.
  • Liberty Mutual offers premium reductions for hybrid vehicle, teen driver discount, new move discount, good student, preferred payment discount, and new vehicle discount.
  • State Farm may offer discounts for driver’s education, passive restraint, multiple autos, accident-free, and anti-theft.
  • Auto-Owners Insurance has discounts for safe vehicle, multi-policy, multiple vehicles, mature driver, anti-lock brakes, paid in full, and good student.
  • Geico may include discounts for air bags, military active duty, driver training, anti-theft, defensive driver, good student, and membership and employees.
  • SAFECO policyholders can earn discounts including safe driver, bundle discounts, anti-theft, accident prevention training, and teen safe driver.

If you want inexpensive auto insurance quotes, ask every prospective company which discounts you may be entitled to. A few discounts might not be offered on policies everywhere. If you would like to see a list of companies with the best insurance discounts, follow this link.

When to get professional advice

When choosing adequate coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Can my teen drive my company car?
  • Can my babysitter drive my car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should my teen driver be added to my policy?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance 101

Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Auto liability insurance

This protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like loss of income, attorney fees, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Edge resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, crashing into a building, driving through your garage door, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, damage from flooding, rock chips in glass, hitting a bird and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for chiropractic care, nursing services and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Edge.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

What is YOUR best insurance company?

You just learned many ideas to shop for 2009 Ford Edge insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may even find the lowest premium rates are with a small mutual company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Progressive and Geico.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. Too many times, an insured cut uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

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