2009 Ford Edge Car Insurance Rates

Searching for better insurance coverage rates for your Ford Edge? Expensive insurance coverage can dwindle your bank account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to cut your insurance bill.

Because there are so many different company options, it’s nearly impossible to locate the lowest cost insurance company.

Save big with these discounts

Auto insurance companies do not advertise every discount in an easy-to-find place, so the following is a list of both the well known as well as the least known ways to save on insurance coverage.

  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home requires personal responsibility.
  • Auto/Life Discount – Some companies give a break if you buy life insurance from them.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Low Mileage Discounts – Fewer annual miles on your Ford can earn a substantially lower rate.
  • New Car Discount – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.

It’s important to note that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

To see a list of companies who offer insurance coverage discounts, click this link.

But I don’t know anything about car insurance

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining whether or not you might need professional guidance.

  • Does liability extend to a camper or trailer?
  • Do I need to file an SR-22 for a DUI in my state?
  • What happens if I owe more than my 2009 Ford Edge is worth?
  • How much liability insurance is required?
  • Is my babysitter covered when using my vehicle?
  • Are rental cars covered under my policy?
  • Can my teen drive my company car?
  • What vehicles should carry emergency assistance coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Car insurance coverage information

Learning about specific coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, fire damage, damage from flooding, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses for things like nursing services, EMT expenses, chiropractic care, doctor visits and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Edge.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverages – This coverage covers damage to your Edge from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability coverage – This coverage will cover damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others. 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. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, attorney fees and court costs. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Have the Midas touch

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many cases where an insured cut physical damage coverage to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cheap 2009 Ford Edge insurance can be bought on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and these regional insurance providers work with independent agents.

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