2013 Ford Edge Insurance Quotes – 10 Tips for Cheaper Rates

People new to shopping for insurance online may find buying cut-rate auto insurance quite difficult.

Fast and Easy Car Insurance Quotes

Most companies like Geico, State Farm and Progressive provide price estimates on their websites. This process is quite simple as you just type in your personal and coverage information into the quote form. When complete, their rating system gets information on your driving record and credit history and returns pricing information based on these and other factors.

This makes it a lot easier to compare rates but the time it takes to visit different websites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you want to find the best price on car insurance.

There is a better way!

The quickest way to compare car insurance pricing requires only one form that gets price quotes from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much easier to do. After sending your information, it is quoted and you are able to buy any of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process only takes a few minutes and may save quite a bit of money.

In order to compare rates now, click here to open in new window and submit the form. To compare your current rates, we recommend you complete the form with the coverage information exactly as shown on your declarations page. Using the same limits helps guarantee you will receive rate quotes based on similar coverages.

Save $434 a year. For real?

Companies like Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. All the ads have a common claim about savings if you switch to their company. How does each company claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the right customer that is profitable for them. A good example of a profitable customer could possibly be between 25 and 40, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Consumers who don’t qualify for this ideal profile will be charged a more expensive rate which leads to business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the savings.

That is why you should get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

More discounts equal less premium

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but less common discounts must be manually applied prior to receiving the credit.

  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Homeowners Savings – Simply owning a home can help you save on insurance because maintaining a house requires personal responsibility.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Edge insurance than their less cautious counterparts.
  • Accident Free – Drivers with accident-free driving histories pay less when compared with bad drivers.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • 55 and Retired – Mature drivers may be able to get a discount up to 10% on Edge insurance.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

Keep in mind that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will cut your premiums.

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

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions can aid in determining if your situation may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is the minimum liability in my state?
  • Does coverage extend to my business vehicle?
  • How do I insure my teen driver?
  • When would I need rental car insurance?
  • Am I covered when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance 101

Knowing the specifics of your insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability car insurance

This protects you from damage or injury you incur to other’s property or people 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 liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical services, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Edge from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, crashing into a building, driving through your garage door, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for things like funeral costs, ambulance fees and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Saving money is sweet as honey

Budget-conscious 2013 Ford Edge insurance is possible from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. Too many times, someone dropped physical damage coverage and discovered at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Drivers change insurance companies for many reasons like denial of a claim, not issuing a premium refund, an unsatisfactory settlement offer or policy non-renewal. It doesn’t matter why you want to switch switching insurance coverage companies is not as difficult as it may seem.

Additional insurance coverage information can be read at these links: