2013 Ford Edge Insurance Quotes

Searching for lower auto insurance rates? Consumers have lots of choices when looking for affordable Ford Edge insurance. You can either waste hours calling around getting price quotes or save time using the internet to get rate quotes. There are both good and bad ways to buy auto insurance so you’re going to learn the proper way to compare rates for a Ford and locate the cheapest rates either online or from local insurance agents.

Lower-cost insurance rates with discounts

Car insurance companies don’t always advertise every possible discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find credits that you can use to lower your rates.

  • Low Mileage Discounts – Fewer annual miles on your Ford can qualify you for lower insurancerates on the low mileage vehicles.
  • First Accident Forgiveness – Not a discount per se, but certain companies will forgive one accident before raising your premiums if you have no claims for a specific time period.
  • Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of at least 10 to 15 percent or more.
  • New Car Discount – Buying a new car model can cost up to 25% less since newer vehicles are generally safer.
  • Senior Citizen Rates – Mature drivers are able to get lower premium rates on Edge coverage.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class in school.
  • Professional Organizations – Being in a professional or civic organization may earn a discount when shopping for insurance.

Consumers should know that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Companies and some of the discounts include:

  • GEICO has discounts for membership and employees, five-year accident-free, federal employee, emergency military deployment, and air bags.
  • Travelers has savings for save driver, good student, driver training, home ownership, multi-policy, student away at school, and payment discounts.
  • Farm Bureau includes discounts for good student, multi-policy, driver training, safe driver, multi-vehicle, youthful driver, and renewal discount.
  • Liberty Mutual may include discounts for newly retired, preferred payment discount, multi-car, safety features, new graduate, and newly married.
  • American Family may offer discounts for Steer into Savings, bundled insurance, good student, TimeAway discount, good driver, and air bags.
  • Progressive may have discounts that include multi-policy, online quote discount, continuous coverage, good student, homeowner, online signing, and multi-vehicle.

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts listed above may not be offered in your state.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions could help you determine whether or not you might need professional guidance.

  • Should I buy only the required minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving a rental car?
  • Do I need PIP coverage since I have good health insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Don’t believe everything you hear

Consumers can’t escape the ads for cheaper insurance coverage by companies like Allstate, GEICO and Progressive. They all seem to try to convey promises about savings if you just switch to them.

How does each company charge you less for car insurance? Here is the trick they use.

Most companies have a certain “appetite” for the type of insured that earns them a profit. For instance, a driver they prefer may need to be a female over age 40, owns a home, and does not commute to work. Any customer who fits those characteristics will qualify for the lowest rates and most likely will save when switching.

Insureds who do not match these criteria may be required to pay higher prices and ends up with the customer not buying. If you listen closely, the ads state “people who switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently advertise the way they do. Because of the profiling, you really should do a price quote comparison at every renewal. It is impossible to predict which insurance companies will be your best fit.

Insurance coverage breakdown

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for chiropractic care, rehabilitation expenses, EMT expenses, prosthetic devices and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, hitting a deer, damage from getting keyed, hail damage and vandalism. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as legal defense fees, funeral expenses, medical services, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This covers damage to your Edge resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Online plus local equals savings

Cheaper 2013 Ford Edge insurance is definitely available both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not provide online quoting and most of the time these small insurance companies work with independent insurance agencies.

When you buy auto insurance online, it’s very important that you do not skimp on coverage in order to save money. In many instances, an insured cut collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best cost while still protecting your assets.

Insureds change insurance companies for many reasons like high prices, not issuing a premium refund, policy cancellation or unfair underwriting practices. Regardless of your reason for switching companies, finding a new company can be less work than you think.

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