View 2010 Ford Edge Car Insurance Cost

Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say many consumers feel financially strained by their car insurance policy. Many insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute best rates possible.

It’s important to do rate comparisons yearly due to the fact that insurance rates change frequently. If you had the lowest price for Edge coverage on your last policy other companies may now be cheaper. So just forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the things you must know in order to save on car insurance.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Some trigger automatically at the time of purchase, but lesser-known reductions have to be requested specifically prior to getting the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • E-sign – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for Edge coverage with select insurance companies.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Clubs and Organizations – Being a member of a professional or civic organization may earn a discount on insurance coverage for Edge coverage.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But any discount will help reduce your overall premium however.

To see a list of providers with the best insurance coverage discounts, follow this link.

How to Get Insurance

There are a variety of methods to shop for 2010 Ford Edge insurance, but some are less time-consuming than others. You could spend the better part of a day discussing policy coverages with agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most major companies enroll in a system that allows shoppers to only type in their quote data once, and each company provides a quote determined by their information. This system prevents you from having to do quotation requests for every insurance company. To use this form to compare 2010 Ford Edge insurance rates click to open in new window.

The one disadvantage to using this type of form is you can’t choose which companies you will receive quotes from. So if you prefer to pick specific insurance companies to compare, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, double check that you are using the exact same coverages and limits with each company. If you compare different liability limits it’s not possible to determine the best price for your Ford Edge.

Situations that might require an agent

When buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out whether you might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • How does medical payments coverage work?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I buy a commercial auto policy?
  • When would I need rental car insurance?
  • Which companies will insure high-risk drivers?
  • If I drive on a suspended license am I covered?
  • Do I need replacement cost coverage?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy coverages for a 2010 Ford Edge

Having a good grasp of insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for surgery, nursing services, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, vandalism and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Edge.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are set the same as your liablity limits.

Liability coverage

This coverage can cover damage that occurs to other’s property or people. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, emergency aid, attorney fees, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Smart consumers save more

As you prepare to switch companies, never sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

The cheapest 2010 Ford Edge insurance can be bought from both online companies as well as from independent agents, and you should compare price quotes from both to have the best rate selection. A few companies don’t offer online price quotes and these small, regional companies work with independent agents.

To learn more, link through to the resources below: