2013 Ford Edge Insurance Rates

Are you regretting the purchase of overpriced insurance? Believe me, you’re not the only one.

Due to the fact that there are so many options when it comes to insurance, it can be challenging to choose the right company.

It is always a good idea to quote other rates quite often since prices trend upward over time. Even if you think you had the best deal for Edge insurance a few years ago other companies may now be cheaper. Block out anything you think you know about insurance because you’re going to learn the tricks you need to know to properly buy coverages and cut your premium.

Buying car insurance is not that difficult. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Nevertheless, car owners must learn how the larger insurance companies price online insurance and apply this information to your search.

The quickest method we recommend to compare policy rates is to understand auto insurance companies allow for online access to compare their rates. To get started, all you need to do is provide a little information like level of coverage desired, the type of vehicles you drive, if it has an anti-theft system, and how your vehicles are used. Your rating data is instantly provided to many of the top insurers and they return rate quotes within a short period of time.

Auto insurance policy discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but some discounts are required to be inquired about prior to getting the savings.

  • College Student – Any of your kids who are attending college and do not take a car to college may be insured at a cheaper rate.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give better auto insurancerates if you take out some life insurance too.
  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower rates.
  • Pay Early and Save – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
  • First Accident Forgiveness – Not really a discount, but some companies like Progressive and Allstate will turn a blind eye to one accident before your rates go up if your claims history is clear for a certain period of time.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more off PIP or medical payments premium.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a auto insurance quote.
  • Multi-Vehicle Discounts – Buying coverage for more than one vehicle with the same company can reduce the rates for all insured vehicles.

Don’t be shocked that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way.

A list of auto insurance companies and a partial list of their discounts are:

  • The Hartford has savings for air bag, vehicle fuel type, driver training, anti-theft, and bundle.
  • American Family includes discounts for air bags, early bird, accident-free, TimeAway discount, good driver, and mySafetyValet.
  • Progressive has discounts for good student, homeowner, continuous coverage, multi-vehicle, online quote discount, online signing, and multi-policy.
  • Travelers may have discounts that include early quote, new car, multi-policy, continuous insurance, driver training, save driver, and IntelliDrive.
  • Farmers Insurance may offer discounts for homeowner, good student, alternative fuel, teen driver, youthful driver, early shopping, and pay in full.
  • USAA may include discounts for new vehicle, family discount, loyalty savings, driver training, and military installation.
  • Liberty Mutual offers premium reductions for multi-car, new move discount, hybrid vehicle, newly retired, teen driver discount, and multi-policy.

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. All car insurance discounts might not apply everywhere. If you would like to see a list of insurance companies that offer some of these discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • Is business property covered if stolen from my car?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • Does coverage extend to a rental car in a foreign country?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Eight factors that determine insurance premiums

Many factors are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving history, but other factors are more obscure such as your credit history or how financially stable you are.

  • Raising physical damage deductibles lowers costs – Your deductibles are the amount of money you are required to spend in the event of a claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, insures against damage to your car. Some examples of covered claims would be colliding with a stationary object, damage caused by hail, and damage from wind. The more money the insured has to pay upfront, the less your insurance coverage will be for Edge insurance.
  • Women tend to take less risk – Statistics demonstrate that females take fewer risks when driving. This data doesn’t prove that females are better drivers. Females and males get in accidents in similar percentages, but the males cause more damage. Men also statistically get ticketed for serious violations such as DWI and reckless driving. Youthful male drivers generally have the highest accident percentage and therefore have the most expensive insurance coverage rates.
  • Never let your insurance coverage policy lapse – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay higher rates, failure to provide proof of insurance can result in fines or a revoked license.
  • Claim-free discounts can add up – If you’re an insured who likes to file claims you can expect much higher rates or policy non-renewal. Companies generally give lower rates to insureds who are not frequent claim filers. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
  • Safety first – Cars with high safety ratings are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims which can mean better rates for you.
  • More traffic equals higher premiums – Being located in areas with lower population has it’s advantages when talking about insurance coverage. Drivers in populated areas tend to have much more traffic and longer commutes to work. Less people means fewer accidents as well as less vandalism and auto theft.
  • Car and home together may be cheaper – Most larger insurers will award a discount to people that buy multiple policies. It’s known as a multi-policy discount. Discounts can amount to ten percent or more. Even though this discount sounds good, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates. You may still be able to save more without the discount even if you insure with multiple companies
  • Credit rating impacts premium prices – Having a bad credit rating is likely to be a major factor in calculating your premium rate. Drivers who have very good credit scores tend to be better drivers and file fewer claims than those with bad credit. If your credit is low, you could be paying less to insure your 2013 Ford Edge if you improve your credit rating.

Do drivers who switch really save?

Well-known insurance coverage companies like Allstate, GEICO and Progressive seem to constantly run television and radio advertisements. They all say the same thing that people will save just by switching your insurance coverage coverage to their company. How does every company claim to save you money? Here is the trick they use.

Different companies look for specific characteristics for the type of driver that will generate a profit. For example, a driver they prefer could possibly be between 30 and 50, has few claims, and has a short commute. Any person that fits those parameters will qualify for the lowest prices and is almost guaranteed to cut their rates substantially.

Consumers who cannot meet this ideal profile will be quoted a more expensive rate and this results in the customer buying from someone else. The wording the ads use say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can confidently advertise the savings. Different companies use different criteria so you absolutely need to get auto insurance quotes as often as possible. It is impossible to predict which insurance companies will fit your personal profile best.

Insurance coverages and their meanings

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses, pain and suffering and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM Coverage

This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Edge.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

Collision insurance will pay to fix damage to your Edge resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, crashing into a ditch, rolling your car, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for dental work, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, damage from a tornado or hurricane, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

One last thing about your coverage

Some insurance providers do not offer internet price quotes small, regional companies sell through independent agencies. The cheapest 2013 Ford Edge insurance is available from both online companies and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

You just learned a lot of techniques to get a better price on 2013 Ford Edge insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the best price on insurance coverage is with a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

More information can be read below:

Comments About 2013 Ford Edge Insurance

  1. Annika Cochran

    I live in Gulfport, MS. Got free quotes online for a 2013 Ford Edge. Ended up at about $180 savings annually. Went with Allstate. Online quotes are the way to go.

  2. Florencio Myers

    This is too expensive. I live just to the north of Kansas City, Missouri. Got rates from GEICO, Farmers, and The General for my Edge and I’m now saving $52 a month. Left AAA to switch. Moved home policy as well.

  3. Elvis Rowland

    Like your site, BTW. Went with Western Auto Insurance for my 2013 Ford Edge and saved around $350 a year. Thankfully I have a good driving record. Hardly afford to drive anymore.

  4. Cory Thornton

    Nice post. I live in a small town just outside of Missoula, MT. Not sure of all the companies but I ended up saving about $50 each month. My new agent seems to be really good.

  5. Essie Dean

    Cheaper not always better. I’m just north of Gaithersburg, Maryland. I quoted with 21st Century, Esurance, and Hartford for my Edge and saved $506 a year. Thankfully I’m not a high risk driver. I just quoted rates online.

  6. Ozie Boyd

    Checking in from West Valley City, UT, and 21st Century rates were best. Thankfully I’m not a high risk driver.

  7. Bo Haney

    From west side of Virginia Beach, Virginia. Quoted prices from USAA, Amica, GMAC, and Safeco for my Ford and cut my rates about $270 a year. Wish I didn’t have to insure at all.

  8. Adelle Perez

    Thanks for putting this site together. Live in the southern part of Billings, Montana. I compared lots of rates. Saved about $70 a month. GEICO was the best choice for me. I get multi-vehicle and multi-policy discounts. Wish I didn’t have to insure at all.

  9. Marcene Porter

    Good detail in your article. I’m in Nampa, Idaho. I quoted with Nationwide, Farmers, Allstate, and American Family for my Edge and saved about $180 a year. Left Erie to switch.

  10. Rosaura Small

    Lots of useful info here. From a town just southwest of Lewiston, ME. Went online for free insurance quotes for a 2013 Ford Edge. Ended up at about $580 savings annually. Went with Progressive. It’s easy to compare rates online now.

  11. Shalon Franks

    Like your site, BTW. From Saint Louis, MO. Quoted with Allstate, Liberty Mutual, and Encompass for my Ford and saved $571 a year. Still almost need a second mortgage.

  12. Renae Ballard

    Lifelong resident of Overland Park, KS. I quoted with American Family, Nationwide, and a few others for my Ford and saved $377 a year. It’s easy to compare rates online now.

  13. Keeley Bird

    I’m in the west part of Aurora, Colorado. I got free quotes from Progressive, Encompass, and GMAC for my Ford and saved just over $130 a year. I have a teen driver too.