2008 Ford Edge Insurance Rates – 7 Discounts for Cheaper Quotes

Are you a victim of an underperforming, overpriced car insurance policy? Believe me, you’re not the only one.

Since consumers have many choices, it can be challenging to find the best provider.

Compare Insurance Coverage Costs

The are a couple different ways of comparing rates from different insurance companies. The easiest way by far to find competitive 2008 Ford Edge insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  • Probably the best way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for each company. A single form will return price quotes from multiple companies.
  • A less efficient way to shop for insurance coverage online is going to the website for each individual company and request a quote. For examples sake, we’ll assume you want rates from Progressive, Esurance and Allstate. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

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

  • The most time-consuming way of getting rate comparisons is driving around to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional advice that only a license agent can provide. Drivers can comparison shop your insurance online and still use a local agent and we’ll talk about that later.

Whichever method you choose, be sure to compare the exact same coverages and limits with every price quote. If you use different values for each quote it’s not possible to find the best deal for your Ford Edge. Slightly different coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons gives you a better chance of getting lower pricing.

Do you really save 40% when you switch?

Insurance companies such as State Farm, Allstate and Geico constantly bombard you with ads in print and on television. They all seem to make the same claim that you can save if you switch to them. How can each company claim to save you money? This is how they do it.

All companies have a certain “appetite” for the driver that earns them a profit. For instance, a desirable insured might be profiled as over the age of 50, has no driving citations, and drives newer vehicles. A driver who fits that profile receives the best rates and therefore will pay quite a bit less when switching companies.

Consumers who do not match the requirements will be quoted a higher premium and this can result in business not being written. The ads say “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can confidently make the claims of big savings. This emphasizes why you should quote coverage with many companies. Because you never know the company that will have the lowest Ford Edge insurance rates.

Save money by taking advantage of these seven discounts

Companies that sell car insurance don’t list all available discounts very clearly, so we break down both the well known and the harder-to-find insurance coverage savings.

  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • E-sign – A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Government Employees – Simply working for the federal government can save as much as 8% on Edge insurance with a few insurance coverage companies.
  • Senior Citizens – Mature drivers can possibly qualify for better insurance coverage rates on Edge insurance.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more off your medical payments premium.

Keep in mind that many deductions do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies who might offer these discounts include:

Double check with each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

When should I use an insurance agent?

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions can aid in determining if your situation may require specific advice.

  • Is my teenager covered with friends in the car?
  • Is my dog or cat covered if injured in an accident?
  • Is extra glass coverage worth it?
  • Should I buy full coverage?
  • Can my babysitter drive my car?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Edge.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for liability – Liability coverage protects you from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like bail bonds, structural damage and legal defense fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like X-ray expenses, funeral costs and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed, vandalism, rock chips in glass and hitting a deer. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision insurance will pay to fix 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 coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Cheaper insurance is a realistic goal

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits to discover at claim time that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

Cost effective 2008 Ford Edge insurance can be bought from both online companies as well as from independent agents, and you should be comparing both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

In this article, we covered a lot of tips how to lower your insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the lowest premiums are with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

For more information, link through to the resources below: