Trying to find the cheapest car insurance rates for your Ford Edge? Sick and tired of sacrificing other expenses to insure your Ford every month? You’re in the same situation as many other drivers. Multiple insurers compete for your business, and it can be difficult to compare rates to get the lowest rate possible.
If you have a policy now or need new coverage, you can use these tips to find the best rates while maximizing coverage. Choosing the best insurance company for you is not rocket science. Consumers only need to know the most effective way to buy insurance online.
Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. Some of these disounts will be visible at the time you complete a quote, but less common discounts must be manually applied before they will apply. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.
A quick disclaimer, most discounts do not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.
A list of companies and the discounts they provide can be found below.
When comparing rates, check with each company or agent which credits you are entitled to. Some discounts listed above may not apply to policyholders in your area. If you would like to view auto insurance companies with the best auto insurance discounts, follow this link.
When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation will benefit from professional help.
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Learning about specific coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages available from car insurance companies.
Collision coverage – This will pay to fix damage to your Edge resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as hitting a parking meter, crashing into a ditch, rolling your car, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.
Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as theft, damage from a tornado or hurricane, fire damage and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for liability – This coverage can cover damages or injuries you inflict on other people or property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for claims like structural damage, medical services and court costs. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like hospital visits, EMT expenses, ambulance fees and dental work. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.
Discount 2011 Ford Edge insurance can be sourced online in addition to local insurance agencies, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance providers do not offer internet price quotes and these smaller companies prefer to sell through independent insurance agents.