Searching for the cheapest insurance for a Ford Edge can turn out to be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to find insurance coverage online so we’re going to tell you the quickest way to price shop coverage for a Ford and get the best price possible from both online companies and local agents.
The most recommended method to compare rate quotes takes advantage of the fact most insurance companies provide online access to provide you with a free rate quote. All consumers are required to do is provide a small amount of information like if you lease or own, driver ages, the make and model of your vehicles, and any included safety features. Your information is automatically sent to many highly-rated insurers and you will get price comparisons instantly.
Buying insurance is not cheap, but there are discounts available that many people don’t even know exist. A few discounts will be applied when you complete an application, but once in a while a discount must be requested specifically prior to receiving the credit. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.
Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you’re out of luck.
To find insurance companies that have a full spectrum of discounts, click here.
When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.
These are some specific questions could help you determine whether you might need an agent’s assistance.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.
Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.
Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Liability coverages – This can cover damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for claims like bail bonds, structural damage, funeral expenses, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.
Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like hail damage, vandalism and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Edge.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverage – Collision coverage covers damage to your Edge resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as damaging your car on a curb, scraping a guard rail, hitting a parking meter, rolling your car and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.