Methods for Finding the Best Ford Edge Insurance Prices

Having to pay for overpriced Ford Edge insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Having so many choices, it is hard for the average consumer to pick the right company.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. But car owners can benefit by having an understanding of the way insurance companies market insurance on the web.

Car Insurance Quote Comparison

There are multiple methods to shop for car insurance, and some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get the quickest rates.

Many insurance companies take part in a program where prospective buyers enter their policy data once, and each participating company then returns a price quote. This system prevents you from having to do quote requests for each company.

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

The only downside to using this type of form is you don’t know exactly which carriers to receive prices from. So if you prefer to pick specific providers to receive pricing from, we have a listing of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you are comparing identical deductibles and coverage limits for every quote you compare. If you compare unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Ford Edge. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparison shopping, having more price comparisons will improve the odds of getting the best price.

Be sure to get all your discounts

Companies offering auto insurance do not list every available discount in an easy-to-find place, so we researched both the well known and the more hidden car insurance savings.

Military Rewards – Having a family member in the military could mean lower rates.
Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Edge insurance than drivers with accidents.
Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
Sign Online – Certain companies give back up to $50 for buying your policy online.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous. auto insurance

To see a list of insurance companies offering car insurance discounts, follow this link.

Factors that can influence Ford Edge insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

The list below includes a partial list of the pieces companies use to determine your rates.

Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Ford Edge earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
Performance makes a difference – The make and model of the car you are insuring makes a substantial difference in how high your rates are. Because the Ford Edge is classified as a crossover, insuring your vehicle will cost slightly more compared to average rates. Lower performance four cylinder passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
Never allow your policy to lapse – Not having insurance is against the law and car insurance companies will penalize you for letting your insurance lapse. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
Do you need the policy add-ons? – There are a ton of extra bells and whistles that you can buy when buying car insurance. Things like rental car reimbursement, towing coverage and membership fees may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.
How’s your driving record? – Careful drivers have lower premiums compared to drivers with tickets. Only having one speeding ticket can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Men are more aggressive – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes have accidents in similar percentages, but men tend to have more serious accidents. Men also have more aggressive citations like DUI and reckless driving.

Comparing rates from local agents

Some consumers prefer to talk to a local agent and that is OK! One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still choose a local agent.

By using this simple form, your information is transmitted to participating agents who will compete for your business. You won’t need to even leave your home due to the fact that quote results will go directly to your email. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

Selecting an insurance company requires more thought than just the premium amount. Here are some questions to ask:

Are there any discounts that you might be missing?
How much will you save each year by using a higher deductible?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Do they receive special compensation for putting your coverage with one company over another?
How are claims handled?
Is vehicle damage repaired with OEM or aftermarket parts?
Are there any hidden costs in their price quote and does it include driving and credit history?

Two types of insurance agencies

When finding a good insurance agency, there are a couple of different agency structures to choose from. Agents can either be independent (non-captive) or captive.

Captive Insurance Agents

Captive agents can only place business with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They are unable to shop your coverage around so keep that in mind. These agents are usually quite knowledgeable on their company’s products which can be an advantage.

Independent Agencies or Brokers

Independent agencies are not locked into one company but rather can write business with many different companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent. When searching for an agent, it’s a good idea to include at a minimum one independent agency for the best price selection.

For a full directory of agencies, click here.

Once you have acceptable answers to your questions and locked in a price quote, you’ve probably found an insurance agent that can properly insure your vehicles.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation could use an agent’s help.

Do I have coverage when pulling a U-Haul trailer?
Can I rate high risk drivers on liability-only vehicles?
Does my policy pay for OEM or aftermarket parts?
Am I covered when driving on a suspended license?
Do I need PIP (personal injury protection) coverage in my state?
Who is covered when they drive my Ford Edge?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Keep this in mind

Discount Ford Edge insurance is possible both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed liability coverage limits only to regret at claim time that it was a big mistake. The aim is to buy the best coverage you can find at an affordable rate.

You just read some good ideas how you can compare Ford Edge insurance prices online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.