Cheaper 2009 Ford Edge Insurance Quotes

Searching for cheaper auto insurance rates? Consumers have a choice when looking for the best price on Ford Edge insurance. They can either spend hours struggling with agents to compare prices or use the internet to get rate quotes.

There is a better way to compare auto insurance rates so you’re going to learn the best way to quote coverages for a Ford and find the lowest price from local insurance agents and online providers.

Factors that can influence Ford Edge insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

Shown below are a few of the “ingredients” used by your company to calculate prices.

  • Younger drivers pay higher rates – More mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Teen drivers are known to be more careless when driving therefore car insurance rates are much higher.
  • Claim-free discounts can add up – Companies generally give discounts to people who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Policy add-ons can waste money – There are a ton of add-on coverages that you can get tricked into buying on your Edge policy. Insurance for rental car reimbursement, accidental death and motor club memberships may be costing you every month. These coverages may sound good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Where you reside plays a part – Choosing to live in small towns and rural areas can be a good thing when talking about car insurance. Less people living in that area means fewer accidents and a lower car theft rate. Drivers in populated areas have much more traffic to deal with and a longer drive to work. More time commuting means higher likelihood of an accident.

How to Compare Insurance Rates

Lowering your 2009 Ford Edge insurance rates is surprisingly easy. The only requirement is to take a few minutes comparing rates from different insurance companies. This can be done in just a few minutes using one of these methods.

  • The first (and easiest) way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method keeps you from doing multiple quote forms for each company. Completing one form will get you price quotes from many national carriers. It’s the fastest way to compare.
  • A more difficult way to compare prices consists of going to the website for each individual company and complete a new quote form. For examples sake, let’s assume you want rates from Liberty Mutual, Allstate and Progressive. To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  • The least efficient method to compare rates is to waste gas driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the professional guidance that only a license agent can provide. You can, however, compare online quotes but buy from a local insurance agent and we’ll cover that in a bit.

Which method you use is up to you, but be sure to compare apples-to-apples deductibles and coverage limits for every quote you compare. If you enter higher or lower deductibles it’s impossible to make an equal comparison.

The fine print in car insurance ads

Drivers can’t ignore all the ads for cheaper car insurance by companies like State Farm and Allstate. They all seem to say the same thing of big savings if you move to them.

How do they all say the same thing?

Insurance companies are able to cherry pick for the type of customer that makes them money. A good example of a desirable insured could possibly be over the age of 40, owns a home, and chooses high deductibles. Any driver who fits that profile will qualify for the lowest rates and therefore will save when switching.

Consumers who are not a match for the requirements will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much money. That is how companies can claim big savings.

This emphasizes why you absolutely need to get as many quotes as possible. Because you never know which car insurance company will give you the biggest savings on Ford Edge insurance.

Discounts on 2009 Ford Edge insurance

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically when you get a quote, but some may not be applied and must be specially asked for before they will apply. If they aren’t giving you every credit available, you are throwing money away.

  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Club Memberships – Affiliation with a professional or civic organization may earn a discount when buying insurance for Edge coverage.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Homeowners Pay Less – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Auto/Home Discount – When you have multiple policies with the same company you will save approximately 10% to 15%.
  • Senior Citizens – Older drivers may be able to get reduced rates for Edge coverage.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.

Consumers should know that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

Insurance companies that may offer these discounts include:

Check with every prospective company which discounts you may be entitled to. Some discounts might not be offered in your area.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might point out whether or not you could use an agent’s help.

  • Is rental equipment covered for theft or damage?
  • Are all vehicle passengers covered by medical payments coverage?
  • How much liability do I need to cover my assets?
  • Does liability extend to a camper or trailer?
  • Where can I find high-risk insurance?
  • When should I not file a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverages for a 2009 Ford Edge

Having a good grasp of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive car insurance – This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, vandalism and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Edge.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability insurance – This will cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, legal defense fees, structural damage, medical expenses and attorney fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision – This coverage will pay to fix damage to your Edge caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, scraping a guard rail, hitting a parking meter, backing into a parked car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, hospital visits, doctor visits and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Do the work, save more money

Consumers leave their current company for many reasons like poor customer service, delays in paying claims, an unsatisfactory settlement offer and extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is not as hard as you think.

In this article, we presented a lot of information how to lower your 2009 Ford Edge insurance rates. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Affordable insurance is definitely available from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

Additional information