Lower Your 2017 Ford Edge Insurance Quotes

Looking for the cheapest auto insurance rates for your Ford Edge? Are you tired of being strong-armed to keep your car insured? Your situation is no different than the majority of other vehicle owners. Vehicle owners have multiple insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it can be more challenging to find the best rates.

Affordable insurance coverage quotes with discounts

Insurance can cost an arm and a leg, but you may be missing some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be manually applied prior to receiving the credit.

  • Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote compared to drivers with a long claim history.
  • One Accident Forgiven – Not really a discount, but certain companies will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims before the accident.
  • Save over 55 – Seniors may receive a small decrease in premiums for Edge coverage.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper since newer models have better safety ratings.
  • Driver’s Ed – Have your child enroll and complete driver’s education in high school.
  • Discount for Multiple Policies – If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Student in College – Older children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Defensive Driver Discount – Taking time to complete a driver safety course could save 5% or more if your company offers it.
  • Theft Prevention System – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. If you do the math and it seems like you could get a free insurance coverage policy, you aren’t that lucky.

A partial list of companies who might offer these discounts include:

Before buying, ask all companies you are considering to give you their best rates. Depending on the company, some discounts might not be available to policyholders in your area. To choose companies that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • When should I drop full coverage on my 2017 Ford Edge?
  • When should I buy a commercial auto policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Why am I required to buy liability insurance?
  • Is my cargo covered for damage or theft?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Save $473 a year! What?

Consumers get pounded daily by advertisements for insurance savings by companies like 21st Century, Allstate and State Farm. All the companies advertise the message that you’ll save big after switching to their company.

How is it possible that every company can charge you less for car insurance?

All companies have a certain “appetite” for the type of customer that will most likely be profitable. For example, a profitable risk profile could possibly be between the ages of 40 and 55, has no claims, and drives newer vehicles. A customer who fits that profile will get low car insurance rates and will save money with a new company.

Potential insureds who cannot meet the “perfect” profile may be required to pay higher prices and this can result in business going elsewhere. If you listen closely, the ads state “customers that switch” not “all people who quote” can save as much as they claim. That’s the way companies can make the claims of big savings. This really drives home the point why drivers should compare free car insurance quotes often. Because without a comparison, you cannot know the company that will give you lower car insurance rates than your current company.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.

Liability auto insurance – This coverage can cover damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like attorney fees, loss of income, legal defense fees, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2017 Ford Edge.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage will pay to fix damage to your Edge resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it 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 – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, EMT expenses, nursing services and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, rock chips in glass, hail damage, damage from a tornado or hurricane and hitting a bird. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Online plus local equals savings

When you buy car insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at a price you can afford, but do not skimp to save money.

We just presented many tips how you can compare 2017 Ford Edge insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

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