Save on 2018 Ford Edge Insurance Rates

Are you tired of scraping the payment together to insure your Ford every month? You are in the same boat as most other vehicle owners.

Since vehicle owners have many different company options, it’s difficult to choose the most affordable company.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Nevertheless, car owners need to learn the methods companies use to market on the web because it can help you find the best coverage.

Insurance premiums are influenced by these factors

Part of the auto insurance buying process is learning the different types of things that help calculate your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that may result in cheaper rates.

Shown below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

Never have policy lapses – Letting your insurance expire can be a guaranteed way to increase your renewal premiums. Not only will rates go up, the inability to provide proof of insurance might get you a steep fine or even jail time.
Bundle and save – Most major auto insurance companies provide a discount to clients that have more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to shop around to guarantee you are still saving the most.
Rate your vehicle for proper use – Driving a lot of miles in a year the higher your rate. A lot of companies apply a rate partially by how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Edge is just wasting money. Verify your auto insurance policy states the correct usage for each vehicle.
Premiums are affected by your credit history – Having a bad credit history can be an important factor in calculating your premium rate. Therefore, if your credit score is not that good, you may save money insuring your 2018 Ford Edge if you clean up your credit. Insureds that have high credit scores tend to file fewer claims than drivers with lower credit ratings.
Which gender costs less? – Over the last 30 years, statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Males and females tend to get into auto accidents in similar numbers, but the male of the species get into accidents with more damage. Men also tend to get cited for more serious violations like driving under the influence (DUI). Youthful male drivers are the most expensive to insure so they pay the highest premiums.

Discounts for lower-cost insurance quotes

Some insurance providers do not list the entire discount list very well, so we researched a few of the more well known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
Resident Student – who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
Defensive Driver Discounts – Taking a course in defensive driving could earn you a small percentage discount and make you a better driver.
55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Edge coverage.
Club Memberships – Belonging to qualifying clubs or civic groups may earn a discount when getting a insurance coverage quote.
Multi-Vehicle Discounts – Insuring multiple cars with one company could earn a price break for each car.
Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
Responsible Driver Discounts – Drivers without accidents may receive a discount up to 45% on Edge coverage than their less cautious counterparts.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.

To see insurance companies that offer discounts, follow this link.

You may need specialized insurance coverage coverage

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation could use an agent’s help.

Is my babysitter covered when using my vehicle?
How can I find cheaper teen driver insurance?
Am I covered when delivering products for my home-based business?
When should I remove comp and collision on my 2018 Ford Edge?
Am I covered when driving someone else’s vehicle?
Should I carry comprehensive and collision coverage?
Is my trailer covered?
Am I covered if I wreck a rental car?
Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like EMT expenses, rehabilitation expenses, pain medications and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, medical expenses, loss of income, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 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 a good idea.

Collision coverage protection

This coverage will pay to fix damage to your Edge resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, rolling your car, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Take this to the bank

The cheapest 2018 Ford Edge insurance can be found both online as well as from insurance agents, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. Some insurance providers may not offer price quotes online and these regional insurance providers only sell coverage through independent agencies.

When you buy insurance coverage online, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an insured dropped uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.