Searching for lower insurance rates for your Ford Edge? Feeling guilty for buying high-priced insurance? It’s quite common and there are many people just like you.
Lots of car insurance companies contend for your business, and it can be difficult to compare rates to find the absolute best rates possible.
Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Most are applied when you quote, but some discounts are required to be manually applied in order for you to get them. If you do not check that you are getting every discount you deserve, you could be getting lower rates.
One last thing about discounts, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic.
To see companies who offer free insurance quotes, click this link.
Comparing car insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could waste time talking to local insurance agents in your area, or you could save time and use online quotes to get the quickest rates.
Most of the larger companies enroll in a system where prospective buyers complete one form, and each participating company then gives them pricing for coverage. This system prevents you from having to do quote requests to each individual car insurance company.
To compare pricing click here (opens in new window).
The one disadvantage to using this type of system is you can’t choose which providers to receive prices from. So if you prefer to choose specific providers for rate comparison, we have assembled a list of low cost car insurance companies in your area. Click here to view list.
Take whichever approach you prefer, but make darn sure you compare apples-to-apples quote information for every quote you compare. If you enter different coverage information then you won’t be able to decipher which rate is best. Even a minor difference in insurance coverages or limits can result in a big premium difference. And when comparison shopping, comparing more company’s prices will enable you to find the best price.
When it comes to buying adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier
Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.
Liability car insurance – This coverage protects you from damage that occurs to other people or property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims such as pain and suffering, emergency aid, medical services and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as damage from getting keyed, vandalism, hitting a bird, hitting a deer and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.
Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like colliding with a tree, hitting a parking meter, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, 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.
Medical costs insurance – Med pay and PIP coverage provide coverage for bills for things like pain medications, dental work, hospital visits, surgery and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Throughout this article, we presented a lot of information how to compare 2007 Ford Edge insurance auto insurance rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest auto insurance rates come from an unexpected company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate and Progressive.
When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.
Much more information about car insurance can be found at the links below