2007 Ford Edge Insurance Cost

Trying to find the cheapest insurance coverage rates for your Ford Edge? Price shopping your Driversinsurance coverage could be frustrating for drivers who are beginners to comparing prices online. With such a big selection of agents and companies, it can easily turn into hard work to lower your prices.

Take advantage of these discounts

Companies that sell car insurance don’t necessarily list every available discount very well, so the list below contains both the well known and also the lesser-known discounts that you may qualify for. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Edge coverage.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save a little off the medical payments premium.
  • Student Driver Training – Have your child complete a driver education course as it can save substantially.
  • Defensive Driver Discounts – Participating in a defensive driving course can save you 5% or more and make you a better driver.
  • Multi-Vehicle Discounts – Insuring multiple vehicles on the same car insurance policy qualifies for this discount.
  • Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote in comparison to policyholders that have many claims.
  • Renewal Discounts – Select insurance companies give a discount for signing up prior to your current policy expiration. It could save around 10% when you buy insurance online.
  • Homeowners Discount – Being a homeowner can get you a discount because of the fact that having a home requires personal responsibility.
  • Passive Restraints – Factory options such as air bags or motorized seat belts could see savings of 25 to 30%.
  • Multi-policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you may earn over 10 percent off each policy depending on the company.

Discounts lower rates, but most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount should help lower your policy cost.

A few popular companies and a partial list of their discounts are outlined below.

  • State Farm discounts include Steer Clear safe driver discount, passive restraint, multiple policy, good student, accident-free, and driver’s education.
  • Progressive has savings for homeowner, online quote discount, online signing, good student, multi-policy, continuous coverage, and multi-vehicle.
  • Progressive has discounts for good student, online signing, homeowner, continuous coverage, multi-vehicle, online quote discount, and multi-policy.
  • MetLife may have discounts that include good driver, claim-free, defensive driver, good student, accident-free, and multi-policy.
  • Farm Bureau policyholders can earn discounts including good student, 55 and retired, youthful driver, driver training, multi-vehicle, safe driver, and multi-policy.
  • GEICO offers discounts for seat belt use, multi-vehicle, air bags, five-year accident-free, and federal employee.
  • SAFECO offers discounts including teen safe driver, drive less, safe driver, anti-lock brakes, and anti-theft.

Check with all the companies which discounts you may be entitled to. Discounts may not apply in your area. If you would like to see a list of car insurance companies that can offer you the previously mentioned discounts, click here.

How to shop car insurance online

All the larger car insurance companies such as State Farm, Allstate and GEICO allow consumers to get price estimates on their websites. Getting online rates is fairly simple as all you need to do is type in your coverage preferences as requested by the quote form. Once entered, the quote system orders credit information and your driving record and quotes a price.

This makes comparing rates easy, but the time required to go to each company’s website and repetitively enter the same data into a form is a big time waster. Unfortunately, it is important to perform this step if you want to get the best price possible.

An easier way to compare car insurance pricing requires only one form that analyzes rates from a lot of companies. The form is fast, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. After sending your information, it is rated and you can select any one of the quotes returned.

If you find a better price you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to find out if lower rates are available, click here and submit the form. If you have your current policy handy, we recommend you duplicate as close as possible to your current policy. This way, you are getting an apples-to-apples comparison for similar insurance coverage.

Special considerations

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • Can I drive in Mexico and have coverage?
  • Is upholstery damage covered by car insurance?
  • Is extra glass coverage worth it?
  • Is business property covered if stolen from my car?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage specifics

Understanding the coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, funeral costs and hospital visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage protects you from damage that occurs to other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, repair bills for other people’s vehicles, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Be Smart and Buy Smart

We covered quite a bit of information on how to lower your 2007 Ford Edge insurance premium rates. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best premium rates are with some of the lesser-known companies.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Lower-priced 2007 Ford Edge insurance is possible on the web and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer internet price quotes and these small, regional companies sell through independent agents.

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