Lower Your 2016 Ford Edge Insurance Rates

Trying to find cheaper auto insurance rates? Buyers have many options when searching for the best price on Ford Edge insurance. They can either spend hours calling around to compare prices or utilize the internet to compare rates.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to quote coverages on a Ford and obtain the lowest price either online or from local insurance agents.

The quickest method we recommend to compare insurance rates in your area takes advantage of the fact all the major auto insurance companies allow for online access to provide you with a free rate quote. All consumers are required to do is spend a couple of minutes providing details like how you use your vehicles, your credit rating estimate, what your job is, and level of coverage desired. Your information is instantly submitted to many different companies and you get price estimates instantly.

If you wish to get multiple quotes for your Ford Edge now, click here and see if a lower rate is available.

Affordable insurance quotes with discounts

Auto insurance companies don’t necessarily list all their discounts very well, so the following list contains some of the more common and the harder-to-find ways to save on insurance. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

• Student Discounts – Performing well in school may save as much as 25% on a insurance coverage quote. You can use this discount normally until age 25.
• Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
• Onboard Data Collection – Insureds who allow their insurance company to analyze driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they exhibit good driving behavior.
• Homeowners Savings – Owning a home can help you save on insurance because owning a home is proof that your finances are in order.
• Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
• Club Memberships – Affiliation with certain professional organizations could earn you a nice discount on insurance.
• Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.

We need to note that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky.

To view insurance companies that have a full spectrum of discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Does my insurance cover a custom paint job?
• Is my teenager covered with friends in the car?
• Are rock chip repairs covered?
• Do I pay less for low miles?
• Should I put collision coverage on all my vehicles?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages and their meanings

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Auto liability insurance – Liability insurance will cover damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. 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 can pay for things like loss of income, attorney fees, funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Collision coverage – This covers damage to your Edge caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, ambulance fees, doctor visits and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, hail damage and fire damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.