Lower Your 2015 Ford Edge Insurance Quotes

Trying to find better insurance rates for your Ford Edge? Expensive insurance can overdraw your checking account and put a big crunch on your finances. Doing a price comparison is a great way to lower your monthly bill. Multiple car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best price available.

If you have insurance now or need new coverage, you will benefit by learning to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is not rocket science. Consumers just need to understand the proper methods to buy car insurance over the internet.

Compare the Market for Insurance Coverage

All major insurance coverage companies such as Geico, State Farm and Progressive quote pricing directly from their websites. Getting quotes is pretty easy as you simply enter your required coverages as requested by the quote form. After the form is submitted, their system makes automated requests for reports for credit and driving violations and quotes a price determined by many factors. Quoting online simplifies rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to do this in order to find the best price possible.

Isn’t there an easier way to compare rates?

A less time-consuming method to find better insurance coverage pricing makes use of a single form that analyzes rates from a lot of companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much more enjoyable. As soon as the form is sent, your coverage is rated and you are able to buy any of the pricing results.

If you find a better price you simply finish the application and purchase coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you complete the form with coverages and limits just like they are on your policy. Using the same limits helps guarantee you’re receiving a rate comparison for similar insurance coverage.

How do I know if I need professional advice?

When choosing coverage, there is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. For instance, these questions might help in determining whether or not you would benefit from professional advice.

• Is my trailer covered?
• Am I missing any policy discounts?
• Do I need PIP coverage since I have good health insurance?
• Are there companies who specialize in insuring high-risk drivers?
• Am I covered by my spouse’s policy after a separation?
• Do I benefit by insuring my home with the same company?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive car insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, rock chips in glass, theft and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Edge.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as nursing services, funeral costs, surgery, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision – This will pay to fix damage to your Edge caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Auto liability insurance – This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, structural damage and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.