Cheaper 2013 Ford Edge Insurance Rates

Searching for budget-priced insurance may at first seem to be difficult for drivers that are not comfortable with quoting and comparing rates and buying insurance on the internet. Because there are so many insurance companies available, how are drivers able to even start to compare all the different companies and get better insurance prices?

Shopping for the lowest cost insurance coverage is easy if you know what you’re doing. Just about anyone who is shopping for insurance coverage will more than likely be able to find better rates. Nevertheless, car owners do need to know the way insurance companies sell online and take advantage of how the system works.

Cut your car insurance rates with discounts

Some insurers don’t always advertise all disounts very clearly, so here is a list some of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.

  • Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save a little off the personal injury premium cost.
  • Drivers Education – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Membership in Organizations – Being a member of a qualifying organization may earn a discount on your bill.
  • Anti-lock Brake System – Cars with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Edge insurance with some car insurance companies.

Consumers should know that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.

Some companies that may have some of the discounts shown above include:

Before you buy a policy, ask all the companies how you can save money. Some of the discounts discussed earlier might not be offered on policies in your area. To see a list of providers that offer many of these discounts, follow this link.

First Step: Get free insurance quotes

Effectively comparing insurance prices can take hours if you don’t utilize the best way to get rate quotes. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace where insurance shoppers complete one form, and at least one company returns a competitive quote based on that information. This saves time by eliminating quote forms for every insurance company. To use this form to compare rates click here to start a free quote.

The one downside to pricing coverage this way is that consumers can’t choose which insurance companies to get pricing from. So if you prefer to choose specific providers to compare rates, we put together a list of low cost insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just be sure to compare nearly identical information for each comparison quote. If your comparisons have higher or lower deductibles it will be very difficult to make a fair rate comparison. Quoting even small variations in insurance coverages or limits can result in a big premium difference. Just remember that comparing all the rates in your area gives you a better chance of getting better pricing. Some smaller insurers to not give rate quotes online, so it’s important to compare prices from them as well.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Should I have a commercial auto policy?
  • What is high-risk coverage and where do I buy it?
  • Can I afford to buy a different vehicle if my 2013 Ford Edge is totaled?
  • Do I benefit by insuring my home with the same company?
  • How many claims can I have before being cancelled?
  • Will filing a claim cost me more?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverage specifics

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as EMT expenses, nursing services and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries 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 a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, damage from flooding and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

This protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things such as repair costs for stationary objects, medical expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your Edge from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Saving money is sweet as honey

We’ve covered quite a bit of information on how to shop for 2013 Ford Edge insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the most savings is with an unexpected company.

People who switch companies do it for many reasons like high prices, lack of trust in their agent, extreme rates for teen drivers or even policy cancellation. Regardless of your reason for switching companies, finding a new insurance company can be pretty painless.

When you buy insurance coverage online, don’t be tempted to skimp on coverage in order to save money. Too many times, someone sacrificed physical damage coverage only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

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