Save on 2009 Ford Edge Car Insurance Quotes

Want lower car insurance rates for your Ford Edge? Did a good deal turn into an expensive car insurance policy? Trust us, many drivers have buyer’s remorse.

Big companies like Progressive, State Farm and Geico continually hit you with ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are paying for car insurance now, you will be able to save some money using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, drivers can benefit by having an understanding of the methods companies use to market on the web and use this information to your advantage.

Insurance discounts are available to slash your rates

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so the list below contains both the well known and the more hidden discounts that may be available. If you aren’t receiving every discount you deserve, you could be getting lower rates.

• Military Discounts – Having a deployed family member could trigger a small discount.
• Discount for Multiple Policies – If you have multiple policies and insure them with the same company they may give you a discount of nearly 15% which can help you find cheaper insurance.
• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a insurance quote.
• Good Students Pay Less – Being a good student may save as much as 25% on a insurance quote. Most companies allow this discount up to age 25.
• No Claim Discounts – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote in comparison to policyholders that have many claims.
• First Accident Forgiveness – This one is not really a discount per se, but some companies like Progressive, Allstate, and Liberty Mutual will let one accident slide before your rates go up if you have no claims prior to the accident.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, insurance companies aren’t that generous.

Car insurance companies that possibly offer many of the previously listed discounts are:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

Before purchasing a policy, check with all the companies to give you their best rates. Some discounts might not be offered on policies everywhere.

First Step: Get free car insurance quotes

Most major insurance companies provide prices directly from their websites. Getting prices online is very simple as all you need to do is type in your required coverages as detailed in the form. After the form is submitted, their rating system pulls your credit score and driving record and returns a price quote. This simplifies rate comparisons, but the work required to visit several different sites and type in the same information is monotonous and tiresome. But it’s necessary to do this if you want to get the best price on car insurance.

Compare rates the easy way

A quicker way to locate the lowest prices requires only one form to get prices from more than one company. It saves time, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. After your information is entered, it is rated and you are able to buy any or none of the pricing results. If you find a better price you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and may save quite a bit of money.

In order to compare rates now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended that you enter your coverages identical to your current policy. This way, you are getting rate comparison quotes for the exact same coverage.

What determines Ford Edge insurance rates?

Consumers need to have an understanding of the rating factors that help calculate your policy premiums. If you know what determines premiums, this helps enable you to make changes that could result in better auto insurance rates. Lots of factors are used in the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but some are more obscure such as your credit history or how safe your car is.

The factors shown below are some of the things used by companies to determine your prices.

• Too many claims drive up premiums – Insurance companies award the lowest premiums to policyholders who only file infrequent claims. If you are a frequent claim filer, you can look forward to higher rates. Your car insurance is designed for claims that pose a financial burden.
• Your occupation may affect rates – Occupations like doctors, business owners and stock brokers tend to have higher premiums than the average policyholder in part from intense work situations and incredibly demanding work hours. On the other hand, occupations like actors, athletes and the unemployed have the lowest average rates on Edge insurance.
• Physical damage deductibles – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of claims that would be covered are a broken windshield, flood damage, or theft. Comprehensive and collision coverage deductibles define the amount you are willing to pay before your auto insurance pays a claim. The more expense the insured has to pay upfront, the less your auto insurance will be on Edge insurance.
• Driving citations cost more than a fine – Having a single moving violation can increase rates by as much as thirty percent. Good drivers receive lower rates as compared to careless drivers. Drivers with multiple citations like reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.
• Save money by eliminating add-on coverages – There are a lot of extra bells and whistles that you can buy if you aren’t diligent. Things like roadside assistance, accidental death, and additional equipment coverage are examples of these. The coverages may be enticing when deciding what coverages you need, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Better prices with anti-theft devices – Buying a car with an alarm system can help bring down rates. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
• Older drivers save more – Older people are proven to be safer behind the wheel, tend to cause fewer accidents and receive fewer citations.Teenage drivers are proven to be less responsible when at the wheel of a vehicle so auto insurance rates are higher.

Everyone needs different insurance coverages

When it comes to buying adequate coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help highlight if you may require specific advice.

• When would I need additional glass coverage?
• Is my custom paint covered by insurance?
• How much can I save by bundling my policies?
• Should I rate my 2009 Ford Edge as pleasure use or commute?
• Am I covered if my car is in a flood?
• When does my teenage driver need to be added to my policy?
• If my 2009 Ford Edge is totaled, can I afford another vehicle?
• Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Buyer beware of auto insurance advertising tricks

Companies like Geico, State Farm and Progressive constantly bombard you with ads on television and other media. They all seem to have a common claim of big savings if you change your policy. How do they all offer drivers better rates? It’s all in how they say it.

Auto insurance companies have specific guidelines for a prospective insured that makes them money. For instance, a profitable customer might be a married female, has never had a claim, and insures a new vehicle. Any person who fits those characteristics is entitled to the best price and therefore will save if they switch.

Potential insureds who cannot meet the ideal profile will be charged higher prices and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully advertise the savings. Because of the profiling, drivers should get a wide range of price quotes. Because you cannot predict the company that will fit you best based on your risk profile.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills like prosthetic devices, funeral costs, hospital visits, ambulance fees and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as bail bonds, pain and suffering, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Edge.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

This will pay to fix damage to your Edge caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. 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. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hail damage, falling objects, hitting a bird and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Feed the piggy bank

Lower-priced 2009 Ford Edge insurance can be purchased from both online companies in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online rate quotes and many times these smaller companies work with independent insurance agents.

When buying insurance coverage, do not reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at the best cost while not skimping on critical coverages.

More information can be found at these links:

• Choosing a Car for Your Teen (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)