Lower Your 2008 Ford Edge Insurance Rates

Searching for lower insurance rates for your Ford Edge? Locating low-cost insurance for a new or used Ford Edge could be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for insurance so you’re going to learn the best way to compare rates for a Ford and locate the lowest price either online or from local insurance agents.

Discounts for cheap car insurance rates

Car insurance is expensive, but you may qualify for discounts that could help you make your next renewal payment. Many discounts should be triggered at quote time, but lesser-known reductions have to be specifically requested before you get the savings.

  • Discount for Life Insurance – Some companies give lower car insurancerates if you buy a life policy as well.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Edge coverage than their less cautious counterparts.
  • New Vehicle Savings – Buying a new car model can cost up to 25% less because newer vehicles keep occupants safer.
  • Bundled Policy Discount – When you combine your homeowners and auto insurance with one company you may earn over 10 percent off each policy depending on the company.
  • Organization Discounts – Being a member of qualifying clubs or civic groups is a good way to get lower rates when getting a insurance coverage quote.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Payment Method – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.
  • Discount for Swiching Early – Select companies give a discount for renewing your policy early. The savings is around 10%.
  • Student Driver Training – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Companies that may have these benefits include:

When getting free insurance coverage quotes, it’s a good idea to every insurance company to give you their best rates. Some of the earlier mentioned discounts may not be offered in your state.

How insurance providers determine Ford Edge insurance costs

Smart consumers have a good feel for some of the factors that go into determining your policy premiums. If you have a feel for what determines base rates, this allows you to make good choices that could result in lower car insurance prices. Lots of factors are used in the calculation when pricing auto insurance. Some factors are common sense like your driving record, but some are more obscure such as whether you are married or your commute time.

The factors shown below are some of the most rate-impacting factors used by companies to determine your prices.

  • Advanced GPS tracking and theft deterrents – Selecting a car model with an alarm system can save you some money. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.
  • Never go without car insurance – Having an insurance coverage lapse is a fast way to bump up your car insurance costs. In addition to paying higher rates, the inability to provide proof of insurance could result in a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Higher deductibles are cheaper – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. A few examples of covered claims are a dented fender, collision with an animal, and windstorm damage. The deductibles you choose state the amount of money you are required to spend in the event of a claim. The higher the amount you choose to pay out-of-pocket, the lower your rates will be for Edge coverage.
  • Get hitched and get cheaper prices – Having a spouse may save some money when shopping for car insurance. It generally demonstrates drivers are more stable financially and it’s statistically proven that drivers who are married are more cautious.
  • Women tend to cost less – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better drivers. They both have auto accidents in similar numbers, but guys have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving.
  • Where you live – Being located in areas with lower population may provide you with better prices when trying to find low car insurance rates. Drivers who live in large cities have to deal with congested traffic and more severe claims. Lower population means reduced accidents and also fewer theft and vandalism claims.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving on a suspended license?
  • Is other people’s property covered if stolen from my vehicle?
  • What is covered by UM/UIM coverage?
  • When can I cancel my policy?
  • Who is covered by my policy?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses like nursing services, rehabilitation expenses, ambulance fees, doctor visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance will pay to fix 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 like damage from a tornado or hurricane, rock chips in glass, fire damage and hail damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Ford Edge.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Auto liability – This coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as repair bills for other people’s vehicles, attorney fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision – Collision coverage pays for damage to your Edge resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Cheaper insurance is a realistic goal

Drivers who switch companies do it for many reasons like not issuing a premium refund, an unsatisfactory settlement offer, delays in paying claims and policy cancellation. It doesn’t matter why you want to switch finding a new company is easier than you think.

Some insurance companies don’t offer online rate quotes small insurance companies only sell through independent insurance agents. Cheap 2008 Ford Edge insurance is attainable both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

Throughout this article, we presented some good ideas how you can reduce 2008 Ford Edge insurance premium rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

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Comments About 2008 Ford Edge Insurance

  1. Kelsie Whitfield

    Live in Aberdeen, SD. Compared quite a few companies. Saved roughly $20 a month. State Farm was the cheapest option for me. Left AAA to switch. Even increased coverage a bit. You can get a rate quote online.

  2. Gertrud Spears

    I got decent rates for a 2008 Ford Edge in Saint Louis, Missouri. Ended up at right around $260 every six months with Amica. Was with Farmers.

  3. Gaynell Beck

    From a town just southwest of Seattle, WA. Got prices from Amica, Nationwide, and a few others for my 2008 Ford Edge and I’m now saving $39 a month. I have kids on my policy, too.

  4. Gidget Nguyen

    Great info, thanks for posting. I’m in the west part of Oklahoma City, Oklahoma. Received prices from USAA, AAA, The General, and Nationwide for my Ford and I think I saved around $40 each month. LOL

  5. Matilda Randall

    Is Allstate cheap in Anchorage, Alaska?

  6. Rubin Hale

    I compared a lot of rate quotes for a 2008 Ford Edge in Wichita, Kansas. Ended up at darn near $450 every six months with AAA. I just quoted rates online.

  7. Joshua Daniel

    In Phoenix, AZ, 21st Century auto insurance rates for my 2008 Ford Edge were good.

  8. Afton Key

    All insurance companies are crooks.

  9. Bernie Sweeney

    Is Allstate cheaper than Progressive in Chesapeake, Virginia?

  10. Stewart Stanley

    Can I get replacement cost coverage for a 2008 Ford Edge?

  11. Brittaney Mcdowell

    Affordable car insurance is a myth. I live just outside Manchester, NH. Quoted a bunch of companies. Saved darn near $40 a month. Progressive was the best choice for me. BTW speeding tickets are not good.

  12. Darryl Carpenter

    I compared a lot of rate quotes for a 2008 Ford Edge in Owensboro, KY. Ended up at right around $170 every six months with AIG Insurance. Left GEICO to switch. I think they have home insurance too.