Cheap 2011 Ford Edge Insurance Quotes

Want cheaper auto insurance rates for your Ford Edge? No normal person likes buying auto insurance, especially when they are paying too much.

Big-name insurance companies like State Farm, Allstate, Geico and Progressive continually hit you with ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

You should make it a habit to compare premium rates periodically because rates change regularly. If you had the best premium rates for Edge insurance two years ago there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because you’re going to learn the best methods to reduce your cost while increasing coverage.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Buying car insurance is easy if you know what you’re doing. But car owners need to have an understanding of how companies determine prices because it can help you find the best coverage.

Do you qualify for discounts?

Some companies don’t always advertise all available discounts very well, so below is a list both the well known and also the more inconspicuous credits that may apply to you.

  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower prices.
  • Driver Safety – Passing a driver safety course can save you 5% or more and make you a better driver.
  • Telematics Data – Drivers that enable their company to scrutinize driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if their driving habits are good.
  • Student Driver Training – Require your teen driver to complete a driver education course in school.
  • Distant Student – Children living away from home attending college and do not take a car to college could get you a discount.

Remember that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.

Companies that may offer quotes with some of the above discounts include:

If you need lower rates, check with each company which discounts you qualify for. Discounts may not be available everywhere. To view insurers that offer the discounts shown above, click here to view.

How to find the cheapest auto insurance

To get cheaper insurance coverage quotes, there a variety of ways to obtain and compare prices from local auto insurance companies. One of the best ways to find competitive 2011 Ford Edge insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed in several different ways.

  • The single most time-saving way to find low rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for separate forms for each price estimate. A single form will return price quotes direct from many companies.
  • A more difficult way to analyze rates is spending the time to visit each company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Progressive, State Farm and Liberty Mutual. To get rate quotes you would need to navigate to each company’s site to enter your coverage information, which can get old fast.

    For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but be certain you are entering apples-to-apples information for each price quote. If the quotes have different deductibles it will be very difficult to decipher which rate is best. Even a minor difference in coverage limits can result in a big premium difference. Keep in mind that comparing all the rates in your area helps you find the best offered rates.

How insurance companies calculate Ford Edge insurance prices

Lots of things are used in the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other factors are less apparent like your continuous coverage or your vehicle rating.It’s important that you understand the factors that go into determining the price you pay for insurance. If you know what influences your rates, this enables informed choices that could help you find better insurance rates.

  • Insure your auto and home with one company – Most major insurance companies will give lower prices to buyers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even fifteen percent. Even though this discount sounds good, consumers should still comparison shop to ensure the best deal.
  • Gender is a factor – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. They both are in at-fault accidents at a similar rate, but the males tend to have higher claims. They also get more serious tickets like reckless driving and DUI.
  • Remove unneeded add-on coverages – Policies have extra add-on coverages that you can get tricked into buying on your insurance policy. Insurance for rental car coverage, death and dismemberment, and extra equipment coverage could be just wasting money. They may seem good when discussing your needs, but now you might not need them so remove them from your policy.
  • Save money by staying claim free – Companies generally give better rates to drivers who are not frequent claim filers. If you file a lot of claims you can look forward to either higher rates or even cancellation. Your car insurance is meant to be used in the event of more catestrophic claims.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Am I covered if my car is in a flood?
  • Is my state a no-fault state?
  • Should I buy only the required minimum liability coverage?
  • What is UM/UIM insurance?
  • Do I need an umbrella policy?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Don’t believe everything you hear

Companies like State Farm, Allstate and Geico regularly use ads on television and other media. They all advertise claims of big savings if you just switch your car insurance coverage to their company. How is it plausible that every one can sell you cheaper insurance coverage? Here is how they do it.

Many companies look for specific characteristics for the type of customer that will generate a profit. A good example of this type of insured may be over the age of 50, owns a home, and drives a safe vehicle. Any person that hits that “sweet spot” will get very good auto insurance rates as well as save quite a bit of money when switching.

Potential insureds who fall short of these stringent criteria will be quoted a more expensive rate and the customer not buying. The trick is to say “people that switch” not “everybody who quotes” save that much. This is how insurance companies can lure you into getting a quote. This really illustrates why it’s extremely important to compare rate quotes every year. It’s not possible to predict which insurance companies will give you the biggest savings.

Car insurance coverage considerations

Having a good grasp of car insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hail damage, rock chips in glass and theft. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Ford Edge.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Auto liability

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like medical expenses, attorney fees, emergency aid, bail bonds and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, pain medications, rehabilitation expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

And the best car insurance company is…

When shopping online for insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In many instances, someone sacrificed comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

In this article, we covered a lot of techniques to reduce 2011 Ford Edge insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest insurance coverage. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

More detailed insurance coverage information is located in the articles below: