2018 Ford Edge Car Insurance Rates

Searching for lower car insurance rates for your Ford Edge? Do you get frustrated by the sheer number of car insurance companies in your area? consumers have such a large number of options that it can quickly become a difficult mission to locate the lowest prices.

How to get free auto insurance quotes online

All the larger auto insurance companies like Geico, State Farm and Progressive allow you to get prices online. Getting online rates is quite simple because it’s just a matter of typing in into the quote form. After the form is submitted, their quoting system automatically retrieves your driving and credit reports and generates a price based on the information you submitted.

This streamlines rate comparisons, but the time required to go to several different sites and type in the same data gets old quite quickly. But it’s very important to get many rate quotes in order to get a better rate.

A better way to compare rates uses just one form to get prices from many companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much more efficient. Once the form is submitted, it is quoted with multiple companies and you can pick your choice of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. This process takes less than 15 minutes and you will find out if you’re overpaying now.

To compare rates using this form now, click here and complete the simple form. If you currently have coverage, we recommend you enter identical to your current policy. Doing this guarantees you will receive a fair comparison using the same coverage and limits.

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Take policy discounts and save

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that you may not even be aware of. Some of these disounts will be visible when you complete an application, but occassionally some discounts must be requested specifically before they will apply.

• Driving Data Discount – Policyholders that allow their insurance company to look at driving manner by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
• Online Discount – A few larger online companies provide a small discount for buying your policy on the internet.
• Government Employee Discount – Federal government employees can earn a discount up to 10% on Edge coverage depending on your company.
• Multi-policy Discount – If you can combine your home and auto policy with the same company you may earn nearly 15% which can help you find cheaper insurance.
• Save over 55 – If you qualify as a senior citizen, you may qualify for a slight reduction on a insurance quote on Edge coverage.
• Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
• Early Switch Discount – Select companies give a discount for buying a new policy before your current coverage expires. It’s a savings of about 10%.
• Claim-Free Discount – Drivers who stay claim-free pay much less as compared to drivers with a long claim history.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, you won’t be that lucky.

Some companies that have most of the discounts above possibly include:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

If you want inexpensive insurance quotes, ask each insurance company to give you their best rates. Some discounts may not apply to policies everywhere.

Ford Edge insurance rate factors

Multiple criteria are part of the calculation when premium rates are determined. Some factors are common sense like an MVR report, but others are not quite as obvious like your continuous coverage or how safe your car is.

• Safer vehicles are cheaper to insure – Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims which can mean better rates for you.
• Tickets are costly – Drivers who don’t get tickets get better prices than people who have multiple driving citations. Getting just one chargable violation can increase rates substantially. People who have dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
• Drive less and save – The more you drive your Ford annually the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based upon how much you drive. Cars that sit idle most of the time can be on a lower rate level than those that get driven frequently. A policy that improperly rates your Edge may be costing you higher rates. Ask your agent if your policy properly reflects the correct usage for each vehicle, because it can save money.
• Your spouse saves you money – Having a spouse actually saves money on your policy. Marriage generally demonstrates drivers are more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
• Increase physical damage deductibles to save – Comp and collision deductibles represent how much money you are required to spend before your insurance coverage pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some coverage claims are a windshield broken by a bird, animal collisions, or theft of your vehicle. The more of the claim the insured has to pay upfront, the lower your rates will be on Edge coverage.

Which policy gives me the best coverage?

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.

• Where can I get insurance after a DUI in my state?
• Do I need an umbrella policy?
• Does coverage extend to Mexico or Canada?
• At what point should I drop full coverage?
• Does liability extend to a camper or trailer?
• I don’t drive much so do I pay less?
• Should I buy full coverage?
• Am I covered when driving on a suspended license?
• When does my teenage driver need to be added to my policy?
• Why do I need rental car insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

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Specific coverages for a Ford Edge

Knowing the specifics of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability

Liability insurance will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits 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 a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like court costs, legal defense fees, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Edge.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

Collision coverage covers damage to your Edge resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, backing into a parked car, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like hospital visits, chiropractic care, nursing services, pain medications and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive coverage

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 things like damage from getting keyed, hitting a bird, vandalism and hitting a deer. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Never pay more for less

Drivers leave their current company for a variety of reasons including high prices, poor customer service, not issuing a premium refund or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new company can be easier than you think.

We’ve covered a lot of techniques to shop for 2018 Ford Edge insurance online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the most savings is with a small mutual company.

When searching for cheap insurance quotes, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where someone dropped liability coverage limits and found out when filing a claim that it was a big error on their part. The aim is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

More resources

• Older Driver Statistics (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)

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