Lower Your 2015 Ford Edge Insurance Quotes

Searching for lower car insurance rates? Consumers have a choice when looking for affordable Ford Edge insurance. You can either spend your time calling around trying to get quotes or use the internet to get rate quotes. There are more efficient ways to buy car insurance so you’re going to learn the proper way to compare rates for a Ford and find the lowest possible price from both online companies and local agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Drivers just need to understand the proper way to get comparison rates on the web.

Affordable insurance

Getting a cheaper price on 2015 Ford Edge insurance is pretty simple and can save money. All you need to do is invest a little time to compare free auto insurance quotes to discover which company has low cost auto insurance quotes. It’s super easy and can be done in a couple of different ways.

  1. Experts agree that the best way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing repetitive form entry for every prospective company. One form submission gets insurance cost estimates from several companies. It’s definitely the quickest method.
  2. Another way to analyze rates is going to the website of each company and request a quote. For examples sake, let’s assume you want comparison quotes from Liberty Mutual, GEICO and Farmers. In order to compare rates, you need to spend time on each company’s site and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

How you compare quotes is your choice, just double check that you are using exactly the same quote information for every quote you compare. If you compare different limits and deductibles on each one it’s not possible to determine which rate is truly the best.

Insurance premium influencing factors

Lots of things are part of the equation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are less apparent such as your marital status or how financially stable you are.

  • Experienced drivers are lower risk – Teen drivers are proven to be more careless when driving therefore insurance coverage rates are much higher. Older people are more responsible, cost insurance companies less in claims and get fewer tickets.
  • Where you live – Choosing to live in smaller towns and rural areas of the country has it’s advantages when talking about insurance coverage. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer drivers on the road corresponds to lower accident rates.
  • Cheaper to insure females? – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean women are better drivers. Women and men get in fender benders at about the same rate, but the men cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure so they pay the highest premiums.
  • Better drivers have lower rates – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Even one speeding ticket or other violation can bump up the cost forty percent or more. People who have careless violations like DUI, reckless driving or excessive speeding may be required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.
  • A linsurance coverage lapse is a bad thing – Not maintaining insurance is a big no-no and companies may charge more for letting your insurance expire. Not only will you pay higher rates, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may then be required to file a SR-22 with your state motor vehicle department.
  • Extra policy coverages that may not be needed – There are quite a few additional extra coverages that you can buy on your insurance coverage policy. Things like roadside assistance, better glass coverage, and additional equipment coverage may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so remove them and pocket the money.
  • Pay more out-of-pocket – Your deductibles define the amount you are willing to pay if a covered claim is submitted. Protection for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of some claims that would be covered are a windshield broken by a bird, animal collisions, and damage caused by road hazards. The more you’re willing to pay, the lower your rates will be for Edge coverage.

Insurance coverage quotes and discounts

Insurance coverage is not an enjoyable expense, but companies offer discounts that you may not even know about. Certain discounts will be applied when you get a quote, but a few must be specifically requested before you will receive the discount. If you do not check that you are getting every discount you deserve, you’re paying more than you need to.

  • Discount for Home Ownership – Simply owning a home may trigger a policy discount on insurance coverage because owning a home requires personal responsibility.
  • Active Service Discounts – Being on active duty in the military could trigger a small discount.
  • Anti-theft System – Cars with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents so you can save 10 percent or more.
  • No Claims – Claim-free drivers pay much less when compared to drivers who are more careless.
  • Low Mileage Discounts – Driving less could be rewarded with discounted premium rates on garaged vehicles.
  • Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles on the same insurance coverage policy can reduce the rates for all insured vehicles.
  • Student Driver Training – Have your child successfully complete driver’s ed class in school.
  • College Student Discount – Youth drivers living away from home attending college and do not have a car may qualify for this discount.
  • Save over 55 – Drivers that qualify as senior citizens are able to get a small discount on rates for Edge coverage.

Consumers should know that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To find insurance coverage companies who offer free insurance coverage quotes, follow this link.

Situations that may require an agent’s advice

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if your insurance needs may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I rate high risk drivers on liability-only vehicles?
  • Exactly who is provided coverage by my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I make deliveries for my home business?
  • What happens if I owe more than my 2015 Ford Edge is worth?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Specific coverages for a 2015 Ford Edge

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like X-ray expenses, ambulance fees and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Edge.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability

This can cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover 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 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, damage from flooding and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

In conclusion

Lower-priced 2015 Ford Edge insurance is available on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. A few companies do not provide price quotes online and usually these regional insurance providers sell through independent insurance agents.

Insureds leave their current company for a number of reasons such as policy cancellation, extreme rates for teen drivers, unfair underwriting practices or high prices. Regardless of your reason, finding a great new company can be less work than you think.

We’ve covered some good ideas how to reduce 2015 Ford Edge insurance prices online. The key thing to remember is the more times you quote, the better likelihood of getting affordable auto insurance. You may even find the best price on insurance is with the smaller companies.

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Comments About 2015 Ford Edge Insurance

  1. Alaina Keller

    Does GEICO offer good discounts?

  2. Oralia Daugherty

    Cheaper car insurance is a myth. Went with 21st Century for my Edge and cut my rates about $300 a year. Hopefully won’t need it. Not sure if rates are cheaper online or not.

  3. Lacey Roberson

    I chose to switch to GEICO from American Family. I live in Aurora, CO. Insured with Eastwood before. I have several vehicles insured with them. It never hurts to quote around.

  4. Signe Sosa

    2015 Ford Edge + Progressive = CHEAP! At least inIdaho anyway.

  5. Odis Cannon

    Cheaper not always better. I’m in the west part of Rutland, Vermont. Quoted with Allstate, Encompass, and The General for my 2015 Ford Edge and I think I saved about $30 each month. Insured with Mercury before.

  6. Clay Whitehead

    Got pretty cheap 2015 Ford Edge insurance from State Farm in Rockford, IL.