Save on 2011 Ford Edge Insurance Quotes

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.

More affordable rates by applying discounts

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.

• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.
• Safety Course Discount – Passing a defensive driver class could save 5% or more and make you a better driver.
• Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without raising rates if your claims history is clear prior to being involved in the accident.
• 55 and Retired – Older drivers can get lower premium rates on Edge insurance.
• Save with a New Car – Buying insurance coverage on a new vehicle can save up to 30% since new model year vehicles are generally safer.
• Bundle and Save – When you have multiple policies with the same company you could earn a discount of at least 10 to 15 percent or more.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• No Claim Discounts – Claim-free drivers can save substantially when compared to policyholders that have many claims.

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.

• Progressive offers discounts including online signing, good student, multi-policy, homeowner, online quote discount, continuous coverage, and multi-vehicle.
• Geico discounts include seat belt use, daytime running lights, defensive driver, emergency military deployment, military active duty, multi-vehicle, and anti-lock brakes.
• State Farm may include discounts for defensive driving training, multiple policy, accident-free, anti-theft, and good student.
• Esurance offers discounts for claim free, multi-car, good student, safety device, and emergency road assistance.
• The Hartford policyholders can earn discounts including driver training, anti-theft, defensive driver, vehicle fuel type, and bundle.

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.

Your insurance coverage coverage should be tailored to you

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.

• Does insurance cover damages from a DUI accident?
• What can I do if my company denied a claim?
• How high should deductibles be on a 2011 Ford Edge?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if I break a side mirror?
• Do I need PIP coverage since I have good health insurance?
• What is an SR-22 filing?
• Are my tools covered if they get stolen from my vehicle?
• Does medical payments coverage apply to all occupants?
• What is the difference between comprehensive and collision coverage?

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.

Specific coverages for a 2011 Ford Edge

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.

More choices the merrier

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.

Other information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Who Has Affordable Albuquerque Car Insurance for a Ford Edge? (InsureABQ.com)
• Distracted Driving (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)