Lower Your 2011 Ford Edge Insurance Cost

Trying to find the cheapest car insurance rates for your Ford Edge? Sick and tired of trying to scrape together enough money to buy car insurance? You’re in the same situation as many other consumers.

Many auto insurance companies vie for your business, and because of this it can be hard to compare insurance companies and get the definite best rates possible.

If you have car insurance now, you will most likely be able to save some money using these tips. Finding the best rates is easy if you know what you’re doing. But consumers need to learn how companies market on the web because it can help you find the best coverage.

Quick Insurance Quotes

There are multiple methods to shop for 2011 Ford Edge insurance, but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use online quoting to get prices fast.

Many insurance companies take part in a program where prospective buyers submit one quote, and each participating company provides a quote. This saves time by eliminating quotation requests for each company. To compare pricing click here (opens in new window).

The only downside to doing it this way is you are unable to specify which carriers to get quotes from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of low cost insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverages for every company. If each company quotes different deductibles you can’t possibly determine the best price for your Ford Edge. Quoting even small variations in coverage limits can result in a big premium difference. And when quoting insurance, remember that having more price comparisons will improve the odds of getting a lower rate.

How much can you save with discounts?

Companies that sell car insurance do not list every discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.

  • No Accidents – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your policy on Edge insurance.
  • Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Homeowners Savings – Owning a home can help you save on auto insurance because owning a home shows financial diligence.
  • 55 and Retired – Mature drivers can possibly qualify for better auto insurance rates on Edge insurance.
  • No Charge for an Accident – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

A partial list of companies that may offer these money-saving discounts include:

Check with all companies you are considering how you can save money. Discounts may not apply in your state.

How much car insurance do I need?

When it comes to buying coverage, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if you might need professional guidance.

  • How do I buy GAP insurance?
  • Am I insured when driving a different vehicle?
  • When can I cancel my policy?
  • Should I bundle my homeowners policy with my auto?
  • Which companies will insure high-risk drivers?
  • What is UM/UIM insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Information about specific coverages

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Liability insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2011 Ford Edge.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for things like pain medications, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance covers damage to your Edge from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, backing into a parked car, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.