2010 Ford Edge Insurance Quotes

If you’re looking for lower-priced insurance online, do you get overwhelmed by the crazy number of auto insurance sources available to you? You have so many sources to choose from that it can easily become a difficult challenge to find better prices.

How to buy insurance online

There are several ways you can shop for insurance and some are more efficient than others. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use the web to get the quickest rates.

Many popular insurance companies belong to an insurance system where prospective buyers complete one form, and every company then gives them pricing determined by their information. This prevents consumers from doing form submissions to each individual insurance company. To access this free quoting program, click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify which providers you want to price. If you would rather choose specific insurance companies to compare prices, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make sure you use exactly the same deductibles and coverage limits on every quote you get. If you compare different values for each quote it will be impossible to find the best deal for your Ford Edge. Even a minor difference in insurance coverages could throw off the whole comparison. Just remember that quoting more will improve the odds of getting a better price.

Drivers who switch save $479 a year? Really?

State Farm, Allstate and GEICO regularly use ads on TV and radio. All the companies make an identical promise that you can save if you move your coverage. How does every insurance coverage company sell you cheaper insurance coverage? Just pay attention to how they say it.

All companies have a certain “appetite” for a prospective insured they prefer to insure. An example of this type of driver might be over the age of 35, carries full coverage, and has a short commute. A driver that matches those criteria gets the lowest car insurance rates and will save when switching.

Potential customers who may not quite match these stringent criteria will be quoted higher premiums with the end result being business not being written. The trick companies use is to say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently claim big savings. This illustrates why you really need to do a rate comparison at every renewal. It is impossible to predict the company that will be your best fit.

Reduce insurance rates with these tips

Part of the auto insurance buying process is learning some of the elements that are used to determine the rates you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels.

Shown below are a few of the things companies use to determine your premiums.

  • Do you work long hours in a tough occupation? – Did you know that where you work can have an impact on rates? Occupations such as military personnel, architects and medical professionals have higher premium rates attributed to intense work requirements and lots of time spent away from family. Conversely, occupations like farmers, engineers and homemakers get better rates on Edge coverage.
  • More traffic equals higher costs – Having an address in less populated areas of the country can be a good thing when buying auto insurance. Less people translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have more traffic problems and longer commutes to work. The longer drive time means more chance of being in an accident.
  • Poor driving means higher rates – Being a careful driver has a huge affect on how much you pay. Drivers who don’t get tickets get better prices than their less careful counterparts. Just one chargable violation can increase rates forty percent or more. People who have serious violations such as DWI, reckless driving or hit and run convictions may need to complete a SR-22 with their state’s licensing department in order to keep their license.
  • Lower auto insurance rates with theft deterrents – Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Use credit responsibly and save – Having a bad credit rating can be an important factor in determining your rates. So if your credit could use some work, you may save money insuring your 2010 Ford Edge by spending a little time repairing your credit. Drivers with excellent credit tend to be less risk to insure than drivers who have lower credit ratings.
  • Your age impacts your premiums – Inexperience drivers are proven to be inattentive in a vehicle so they pay higher auto insurance rates. Mature drivers have been proven to be more responsible, tend to cause fewer accidents and get fewer tickets.
  • Save money with higher comp and collision deductibles – Comprehensive and collision coverage deductibles state the amount of money you are required to pay if the claim is covered. Physical damage coverage, aka comp and collision, protects your car from damage. Examples of covered claims would be collision with another vehicle, hail damage, and damage caused by road hazards. The more money the insured is willing to pay, the bigger discount you will receive on Edge coverage.
  • Liability insurance safeguards assets – Liability coverage is the protection if you are responsible for damages from an accident. Your liability coverage provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Find hidden discounts to get affordable car insurance rates

Car insurance is not cheap, but there’s a good chance there are discounts that can help lower your rates. Some of these disounts will be visible when you quote, but occassionally some discounts must be specifically requested prior to receiving the credit.

  • Professional Organizations – Affiliation with qualifying clubs or civic groups is a good way to get lower rates when shopping for car insurance.
  • Waiver for an Accident – Not a discount per se, but some insurance companies permit an accident without getting socked with a rate hike if you have no claims prior to the accident.
  • Active Military Service – Having a family member in the military could mean lower prices.
  • E-sign Discounts – Certain companies provide a small discount just for signing your application online.
  • Save over 55 – Mature drivers may receive lower premium rates on Edge coverage.
  • Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • No Claim Discounts – Claim-free drivers can save substantially as opposed to drivers who are more careless.

We need to note that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it’s just not the way it works.

Popular car insurance companies and their possible discounts are detailed below.

  • Farmers Insurance includes discounts for teen driver, pay in full, mature driver, good student, switch companies, and homeowner.
  • Esurance has savings for multi-car, paid-in-full, online quote, emergency road assistance, Switch & Save, and good student.
  • State Farm has discounts for Steer Clear safe driver discount, student away at school, good student, driver’s education, and multiple autos.
  • GEICO offers discounts including defensive driver, air bags, daytime running lights, military active duty, driver training, multi-vehicle, and five-year accident-free.
  • Allstate discounts include resident student, multi-policy, teenSMART discount, defensive driver, premier plus, and economy car.

When quoting, ask all the companies which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.

For example, these questions could help you determine whether you will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • What can I do if my company denied a claim?
  • Is my teenager covered with friends in the car?
  • Are all vehicle passengers covered by medical payments coverage?
  • If I drive on a suspended license am I covered?
  • Do I need more liability coverage?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, fire damage, rock chips in glass and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Edge.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like nursing services, doctor visits and ambulance fees. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as medical services, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

The best insurance company isn’t always the cheapest

Cheaper insurance coverage can be bought online and from local agencies, and you should compare rates from both to get a complete price analysis. Some insurance companies do not provide rate quotes online and these regional insurance providers provide coverage only through independent agents.

We’ve covered a lot of techniques to lower your 2010 Ford Edge insurance car insurance rates. It’s most important to understand that the more times you quote, the better likelihood of getting low cost auto insurance. Consumers may even find the best price on insurance coverage is with the least-expected company.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured cut physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Additional insurance coverage information can be read on the following sites: