View 2010 Ford Edge Insurance Quotes

Trying to find better car insurance rates for your Ford Edge? Expensive car insurance can drain your personal savings and force you to prioritize other expenses. Comparing price quotes is a great way to tighten up your finances.

Big companies like State Farm, Geico and Farmers Insurance promote their brand names with ad campaigns and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Buying car insurance is quite easy. But car owners must know the way insurance companies market insurance on the web.

Lots of discounts mean lots of savings

Companies don’t always advertise every discount very well, so we researched some of the best known and the more hidden auto insurance savings.

  • Good Student Discount – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill depending on where you live.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application over the internet.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Drive Less and Save – Keeping the miles down on your Ford can qualify you for better rates on cars that stay parked.
  • Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break when buying auto insurance for Edge coverage.

It’s important to understand that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

Car insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask every prospective company how you can save money. Discounts might not be offered in every state.

Where Can I Get Cheap Insurance Coverage?

Most companies such as State Farm, Geico and Progressive allow you to get coverage prices directly from their websites. Getting online quotes doesn’t take a lot of time as you just enter the coverage amounts you desire into a form. After you submit the form their rating system pulls your driving record and credit report and quotes a price based on these and other factors. Online price quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. Unfortunately, it is important to get many rate quotes if you want to find the lowest insurance coverage rates.

The easiest way to compare insurance coverage pricing makes use of a single form that gets price quotes from multiple companies. This type of form saves time, reduces the work, and makes quoting online a little more enjoyable. Immediately after you send the form, it is rated with multiple companies and you can pick your choice of the quote results. If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and may result in a nice savings.

To compare rates using this form now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you complete the form with the coverages as close as possible to your current policy. This helps ensure you will have comparison quotes for the exact same coverage.

Situations that might require an agent

When buying coverage, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I insured when driving a different vehicle?
  • Am I covered if my car is in a flood?
  • Is my babysitter covered when using my vehicle?
  • How do I buy GAP insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage information

Understanding the coverages of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like pain medications, funeral costs and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as emergency aid, court costs, pain and suffering, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2010 Ford Edge.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, falling objects, rock chips in glass and hitting a deer. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This covers damage to your Edge resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Be Smart and Buy Smart

In this article, we presented some good ideas how you can save on 2010 Ford Edge insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the best prices are with the least-expected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.

When buying insurance coverage, never buy less coverage just to save a little money. In many cases, someone dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your focus should be to get the best coverage possible at the best price, not the least amount of coverage.

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