Save on 2014 Ford Edge Car Insurance Quotes

Looking for better car insurance rates for your Ford Edge? Finding better insurance prices for a Ford Edge can be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are more efficient ways to compare car insurance rates and we’ll show you the best way to get price quotes for your Ford and obtain the cheapest rates from both online companies and local agents.

Consumers need to compare prices yearly because rates change quite often. Just because you found the best rates for Edge coverage a few years ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

Locating affordable coverage can be fairly easy. If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. Vehicle owners only need to know the proper way to get comparison rates on the web.

How to Compare Auto Insurance

Effectively comparing auto insurance prices can be a daunting task if you don’t know the most efficient way. You can spend your afternoon talking to insurance agencies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and every company then returns a price quote based on that information. This eliminates the need for quotation requests to each individual auto insurance company.

To enter your information into the quoting system, click here (opens in new window).

The only drawback to doing it this way is you cannot specify the companies to get pricing from. So if you prefer to choose from a list of companies to request quotes from, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare identical coverages on every quote you get. If the quotes have differing limits then you won’t be able to determine the lowest rate for your Ford Edge.

These discounts can slash insurance rates

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Most are applied at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to receiving the credit. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Claim Free – Claim-free drivers can save substantially compared to frequent claim filers.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Edge coverage than less cautious drivers.
  • Sign Online – Certain companies may give you up to $50 for buying your policy on their website.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.

It’s important to note that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. Just because you may think you could get a free insurance policy, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

To see a list of insurance companies offering insurance discounts, click here to view.

When might I need the advice of an agent?

When choosing proper insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if your situation would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Is my 2014 Ford Edge covered for smoke damage?
  • Why does it cost so much to insure a teen driver?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?
  • When would I need additional glass coverage?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability insurance provides protection from damage that occurs to other people or property. This coverage protects you from claims by other people. 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. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL 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, structural damage, medical expenses, attorney fees and medical services. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Edge.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, rock chips in glass and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This pays for damage to your Edge resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses like chiropractic care, funeral costs, ambulance fees, doctor visits and X-ray expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage