Compare 2013 Ford Edge Insurance Rates

Trying to find better car insurance rates for your Ford Edge? Buying the most affordable car insurance on the internet can be impossible for consumers new to comparing rates online. With so many insurance companies available, how can consumers even start to compare every company to locate the cheapest available price?

Smart consumers take time to get comparison quotes every six months since rates are rarely the same from one policy term to another. If you had the lowest price on Edge insurance last year you will most likely find a better rate today. Starting now, block out anything you think you know about car insurance because we’re going to show you the best methods to reduce your cost while increasing coverage.

How to Buy Insurance Online

All the larger insurance companies provide coverage price quotes on their websites. Getting quotes is pretty painless as you just type in the amount of coverage you want as requested by the quote form. Once you submit the form, the company’s rating system requests information on your driving record and credit history and provides a quote based on many factors.

Online quotes streamlines rate comparisons, but the time required to go to multiple sites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible in order to get a lower rate.

There is an easier way!

The preferred way to compare rates utilizes a single form that gets prices from several companies at one time. It’s a real time-saver, requires less work, and makes price shopping online a lot less work. Once the form is submitted, it gets priced with multiple companies and you can pick your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process can be completed in a matter of minutes and may save quite a bit of money.

To save time and compare rates now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. Doing this assures you are getting comparison quotes for similar insurance coverage.

Be sure to get all your discounts

Auto insurance companies don’t always advertise all available discounts very clearly, so we researched both well-publicized and the more hidden ways to save on insurance.

  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Defensive Driving Course – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • One Accident Forgiven – A few companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
  • Life Insurance – Some companies give better rates if you take out life insurance.
  • Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.

Keep in mind that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So when it seems like you could get a free insurance policy, companies wouldn’t make money that way.

Companies that may have these discounts include:

Double check with every prospective company which discounts you may be entitled to. Some discounts may not apply in every state.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Does my 2013 Ford Edge qualify for pleasure use?
  • Why am I required to buy high-risk coverage?
  • Is my teen driver covered when they drive my company car?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is pleasure use cheaper than using my 2013 Ford Edge to commute?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage breakdown

Understanding the coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses for rehabilitation expenses, nursing services and pain medications. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Auto liability – This coverage protects you from damage that occurs to a person or their property. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like court costs, funeral expenses, bail bonds and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Ford Edge.

Because many people 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 should not be overlooked.

Collision coverage – This covers damage to your Edge from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, colliding with a tree, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

In conclusion

Cheap 2013 Ford Edge insurance is available from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Consumers leave their current company for many reasons like high prices, high rates after DUI convictions, extreme rates for teen drivers and policy cancellation. No matter why you want to switch, switching auto insurance companies is actually quite simple.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

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