2017 Ford Edge Insurance Quotes

Searching for cheaper auto insurance rates for your Ford Edge? If online auto insurance comparisons are new to you, there’s a good chance you are baffled thanks to the vast number of insurance providers all advertising big savings.

It is always a good idea to do price comparisons before your policy renews because prices fluctuate regularly. Even if you got the lowest rates on Edge insurance two years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because you’re going to get a crash course in the only way to find lower rates on auto insurance.

The purpose of this post is to tell you how to get online quotes and some tricks to saving. If you currently have car insurance, you will be able to save some money using these techniques. But consumers can benefit by having an understanding of how companies sell online and use this information to your advantage.

More discounts mean cheap premiums

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we break down some of the best known and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts could save 15% off the medical payments premium.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Air Bag Discount – Factory options such as air bags may qualify for discounts of up to 25% or more.
  • Own a Home and Save – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof that your finances are in order.
  • Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Insurance companies who may offer some of the discounts shown above may include but are not limited to:

Before purchasing a policy, check with every prospective company which discounts you may be entitled to. Some discounts listed above may not be offered in your area. For a list of insurers that have a full spectrum of discounts, click here.

Auto insurance quotes comparison

There are a lot of ways to shop for auto insurance, but some are easier and takes less work. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could use the internet to maximize your effort.

All the larger companies belong to a marketplace where insurance shoppers enter their policy data once, and at least one company can provide price quotes based on that data. This prevents consumers from doing quote forms to each individual auto insurance company.

To compare rates now click here to start a free quote.

The only drawback to comparing rates this way is you can’t choose the insurers you will receive quotes from. So if you prefer to choose specific providers to compare rates, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you compare the exact same coverage limits on every quote. If you are comparing mixed coverages it will be next to impossible to make a fair comparison for your Ford Edge. Quoting even small variations in limits may cause a big price difference. And when comparing auto insurance rates, know that having more price comparisons helps locate the best rates. Some insurance companies are not set up to provide quotes online, so you also need to get prices on coverage from those companies, too.

It’s not one size fits all

When buying the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique.

For example, these questions could help you determine if you could use an agent’s help.

  • What is medical payments coverage?
  • Should I bundle my homeowners policy with my auto?
  • At what point should I drop full coverage?
  • Are my friends covered when driving my car?
  • Am I covered when driving on a suspended license?
  • Are there companies who specialize in insuring high-risk drivers?
  • I don’t drive much so do I pay less?
  • Why do I only qualify for high-risk insurance?
  • Do I need PIP coverage since I have good health insurance?
  • How can I force my company to pay a claim?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Learn about car insurance coverages for a 2017 Ford Edge

Understanding the coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Edge.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as loss of income, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Comprehensive car insurance

This will pay to fix 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 pays for things like damage from flooding, a broken windshield and fire damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses for EMT expenses, surgery, funeral costs, hospital visits and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Summing up your insurance search

Some insurance companies may not have online rate quotes and usually these small, regional companies sell through independent insurance agencies. Cheaper insurance can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.

We just presented a lot of ways to compare 2017 Ford Edge insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest rates are with a small mutual company.

Consumers leave their current company for any number of reasons including high rates after DUI convictions, not issuing a premium refund, unfair underwriting practices or policy cancellation. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

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