Cheap 2015 Ford Edge Insurance Cost

Want better auto insurance rates for your Ford Edge? Having to pay for pricey Ford Edge insurance can drain your monthly budget and make it hard to pay other bills. Many insurers vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the absolute best rates possible.

If you have insurance now or need a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you is quite easy. Consumers only need an understanding of the best way to compare prices on the web.

Ford Edge insurance costs can be cheaper

Many things are used in the calculation when you get your auto insurance bill. Most are fairly basic like your driving record, but others are more transparent such as your credit history or how financially stable you are.When buying insurance it’s important to understand some of the things that go into determining the level of your policy premiums. When you understand what impacts premium levels, this allows you to make good choices that can earn you cheaper rates.

  • Pay more out-of-pocket – Physical damage protection, also known as collision and other-than-collision, covers your vehicle from damage. Some examples of covered claims are a broken side mirror, vandalism, and damage from a fallen tree branch. The deductibles are how much you are required to spend if a covered claim is submitted. The more of the claim you pay before a claim is paid (deductible), the less your company will charge you for insurance on Edge insurance.
  • Save by staying claim free – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher rates. Auto insurance companies award lower rates to drivers who only file infrequent claims. Auto insurance is intended to be relied upon for larger claims.
  • Optional features that lower premiums – Purchasing a vehicle with advanced anti-theft systems can save you some money. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.
  • Don’t skimp on liability protection – Liability insurance provides coverage when you are responsible for an accident. It provides legal defense which can cost a lot. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Teen drivers cost more – Older insureds are proven to be safer behind the wheel, tend to cause fewer accidents and get fewer tickets.Teenage drivers are proven to be more careless when at the wheel of a vehicle so they pay higher insurance rates.
  • Your location is important – Residing in small towns and rural areas is a good thing when it comes to insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Residents of big cities have more auto accidents and more time behind the wheel. More time behind the wheel means a statistically higher chance of an accident.
  • Females tend to be lower risk – Statistics have proven that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. Both sexes cause fender benders in similar numbers, but the male of the species cause more damage. Men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are most likely to cause an accident so it costs more to insure them.
  • A insurance policy lapse can increase premiums – Not having insurance is a big no-no and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, the inability to provide proof of insurance could earn you a license revocation or jail time. You will then be forced to file a SR-22 with your state department of motor vehicles.

How much does car insurance cost?

Getting cheaper 2015 Ford Edge car insurance pricing is not a difficult process. Just take time to compare free car insurance quotes from online providers. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  1. One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate forms for every prospective company. Filling out one form gets rate comparisons from all major companies.
  2. A different way to find lower rates requires you to visit the website for each individual company and fill out a new quote form. For sake of this example, let’s say you want comparison quotes from Nationwide, Geico and Allstate. In order to get each rate, you would have to navigate to each company’s site to input your insurance information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the same coverages and limits on every quote. If you compare differing limits you will not be able to make a fair comparison for your Ford Edge.

Switch companies and save? Really?

Consumers constantly see and hear ads that claim the cheapest prices from the likes of 21st Century, Allstate and State Farm. They all seem to make the promise that you’ll save big if you get a free car insurance quote and switch your coverage.

How can each company give you a lower rate? It’s all in the words they use.

Insurance coverage companies have specific criteria for the type of driver they prefer to insure. For example, a preferred risk may need to be married and over the age of 30, owns a home, and the vehicle is rated for pleasure use. Any new insured who matches those parameters will get the preferred premium rates and will most likely save money with a new company.

Drivers who do not match the ideal profile may be required to pay a higher premium and ends up with the customer not purchasing. Company advertisements say “drivers that switch” not “everyone who quotes” save that much money. That’s the way insurance companies can state the savings.

Because of the profiling, it’s extremely important to compare free car insurance quotes often. You cannot predict which company will have the lowest prices for your situation.

You may qualify for discounts

Not many people think insurance is cheap, but there may be some discounts that may help make it more affordable. Some discounts apply automatically at quote time, but a few need to be asked for prior to getting the savings.

  • Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • Life Insurance Discount – If the company offers life insurance, you could get better premium rates if you take out a life policy as well.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because newer models are generally safer.
  • Driver’s Education for Students – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Senior Citizens – Older drivers may qualify for a small discount on rates on Edge insurance.
  • Low Mileage – Low annual miles can qualify you for discounted auto insurancerates on garaged vehicles.
  • College Student – who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Use Seat Belts – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Professional Organizations – Belonging to qualifying clubs or civic groups can get you a small discount on your bill.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.

Remember that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

For a list of companies with significant discounts, click here.

There’s no such thing as the perfect auto insurance policy

When choosing coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might point out if you would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I have combined single limit or split liability limits?
  • Can I afford to pay high deductible claims out of pocket?
  • Is extra glass coverage worth it?
  • Do I benefit by insuring my home with the same company?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I break a side mirror?
  • Do I need replacement cost coverage?
  • What happens if I owe more than my 2015 Ford Edge is worth?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Information about specific coverages

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle, hitting a bird, damage from flooding and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Edge.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for things like rehabilitation expenses, ambulance fees, EMT expenses and doctor visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

This coverage covers damage to your Edge caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as loss of income, medical expenses, attorney fees and medical services. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Shop. Compare. Save.

Some car insurance companies do not provide internet price quotes and most of the time these small, regional companies work with independent agencies. Lower-priced 2015 Ford Edge insurance is possible from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible for the lowest price, but do not skimp to save money.

In this article, we presented some good ideas how to get a better price on 2015 Ford Edge insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding the cheapest car insurance. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies. They may only write in your state and offer lower rates than their larger competitors like Allstate, Geico and Progressive.

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