How Much Does 2018 Ford Edge Insurance Cost?

Trying to find lower auto insurance rates for your Ford Edge? Wish you could get out of high-priced auto insurance? It’s quite common and many drivers have buyer’s remorse.

Many insurers vie to insure your vehicles, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest rate possible.

How to lower your insurance cost

To find the best insurance prices, there are several ways to compare quotes from insurance companies in your area. By far the easiest way to compare rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  • Experts agree that the best way to get quotes would be an industry-wide quote request form click to view form in new window. This form keeps you from doing separate quotation requests for each company you want a rate for. Just one form will return price quotes from multiple companies.
  • A more difficult way to find more affordable insurance is to manually visit the website for every company you want to comare and fill out their own quote form. For example, let’s say you are doing a rate comparison from State Farm, Esurance and Liberty Mutual. You would need to take the time to go to each site and repeatedly enter your information, and that explains why we recommend the first method.

    For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but be certain you are entering the exact same coverages and limits for every quote you compare. If you enter differing limits you will not be able to find the best deal for your Ford Edge. Even a minor difference in coverages could skew the results. Just remember that comparing a large number of companies helps locate a better price.

Lower-cost auto insurance quotes with discounts

Some companies don’t list all available discounts in a way that’s easy to find, so the following is a list of a few of the more common as well as the least known discounts that you can inquire about if you buy auto insurance online.

  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Discount for Life Insurance – If the company offers life insurance, you could get lower premium rates if you buy life insurance from them.
  • Own a Home and Save – Owning a home can get you a discount due to the fact that maintaining a home shows financial diligence.
  • Early Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Defensive Driver Discounts – Passing a course in defensive driver is a good idea and can lower rates and make you a better driver.
  • Employee of Federal Government – Having worked for a branch of the government could qualify for a slight premium decrease on Edge insurance depending on your auto insurance provider.
  • Data Collection Discounts – Policyholders that allow their company to spy on driving manner by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they show good driving skills.

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts should help lower your policy cost.

Companies that possibly offer these discounts include:

Before purchasing a policy, check with every insurance company what discounts are available to you. Some discounts listed above might not be available to policyholders in your state.

Why informed consumers pay less for Ford Edge insurance

Lots of factors are part of the equation when you get a price on insurance. Most are fairly basic like an MVR report, but some are less obvious such as your credit history or your vehicle rating.

  • City dwellers may pay more – Having an address in areas with lower population has definite advantages if you are looking for the lowest rates. Urban drivers have to deal with more auto accidents and much longer commute distances. Less people living in that area means less chance of accidents and a lower car theft rate.
  • Responsible credit means lower prices – Having a bad credit score factor in your rate calculation. People with excellent credit scores tend to be more responsible than drivers with poor credit. If your credit is lower than you’d like, you could save money insuring your 2018 Ford Edge by spending a little time repairing your credit.
  • Defend yourself with liability insurance – Liability coverage will protect you if you are found to be at fault for damages from an accident. It will provide legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Reduce premiums by staying claim free – If you’re an insured who likes to file claims don’t be surprised to see either policy cancellation or increased premiums. Insurance companies award discounts to people who file claims infrequently. Insurance coverage is intended for larger claims.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • When does my teenage driver need to be added to my policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • How much liability coverage do I need in my state?
  • Am I better off with higher deductibles on my 2018 Ford Edge?
  • Do I need added coverage for expensive stereo equipment?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if my car is in a flood?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Edge.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills for things like rehabilitation expenses, ambulance fees, dental work, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision coverage covers damage to your Edge resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for liability – Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering, funeral expenses and court costs. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Saving money makes a lot of cents

Affordable 2018 Ford Edge insurance can be found on the web as well as from independent agents, so you need to quote auto insurance with both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and most of the time these smaller providers only sell coverage through local independent agents.

We’ve covered a lot of ways to reduce 2018 Ford Edge insurance rates online. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive auto insurance. Drivers may discover the best price on insurance is with a small mutual company. These smaller insurers often have lower car insurance rates on specific markets than their larger competitors like Progressive or GEICO.

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