Compare 2015 Ford Edge Insurance Quotes

Drivers have a choice when trying to find affordable Ford Edge insurance. You can either spend your time driving around getting price quotes or use the internet to find the lowest rates.

There is a better way to shop for insurance and you need to know the absolute fastest way to compare rates for your Ford and find the lowest possible price from local insurance agents and online providers.

It’s a great practice to take a look at other company’s rates once or twice a year because rates are rarely the same from one policy term to another. If you had the lowest price on Edge coverage a year ago you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to learn the quickest way to find great coverage at a great price.

The purpose of this article is to let you in on how to get online quotes and some tips to save money. If you have car insurance now, you should be able to cut costs considerably using these methods. Drivers just need to learn the proper methods to find the lowest price online.

The easiest way to compare rate quotes is to realize auto insurance companies actually pay money for the chance to quote your coverage. All you need to do is take a few minutes to give details including how much you drive, if you have an active license, how you use your vehicles, and whether your vehicle is owned or leased. The rating information is then sent to many of the top insurers and they return cost estimate within a short period of time.

Car insurance is unique, just like you

When buying the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions might point out if your situation may require specific advice.

• Can I drive in Mexico and have coverage?
• Does my personal policy cover me when driving out-of-state?
• Do I need added coverage for expensive stereo equipment?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered if I crash into my own garage door?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is a new car covered when I drive it off the dealer lot?
• Does my policy cover me when driving someone else’s vehicle?
• Should I get collision insurance on every vehicle?
• At what point should I drop full coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Insurance policy coverages for a 2015 Ford Edge

Knowing the specifics 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 coverage can change by endorsement.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Edge.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses for dental work, hospital visits, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays for damage to your Edge from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Auto liability insurance – Liability insurance will cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, loss of income, medical services, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hitting a deer and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.