Compare 2016 Ford Edge Insurance Rates

Are you burned out from scraping nickels together to pay auto insurance each month? You’re in the same situation as most other vehicle owners.

There is such a variety of car insurance companies to choose from, and though it is a good thing to have multiple companies, more options can take longer to locate the cheapest rates.

Where can I get low cost auto insurance?

All the larger auto insurance companies allow consumers to get prices directly from their websites. Getting online quotes can be done by anyone as you just enter your personal and coverage information into the quote form. Upon sending the form, the company’s rating system obtains reports for credit and driving violations and returns a price quote. This streamlines rate comparisons, but the time required to go to many different websites and type in your information is a big time waster. But it is imperative to compare as many rates as possible if you want to get lower prices.

A better way to compare auto insurance pricing utilizes a single form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online shopping much simpler. Immediately after submitting the form, it is rated and you can select any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

To compare rates now, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you input the coverage information identical to your current policy. Doing this guarantees you will receive comparison quotes using the same coverage and limits.

Get cheaper rates with discounts

Some insurance providers don’t list every disount available in an easy-to-find place, so the list below contains some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

  • Good Student Discount – Excelling in school may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Homeowners Discount – Just being a homeowner can get you a discount because owning a home requires a higher level of personal finance.
  • Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you could save 5% or more.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Edge coverage than drivers with accidents.
  • Passive Restraints – Options like air bags may earn rate discounts of 20 to 30 percent.
  • Senior Citizen Discount – Mature drivers could receive reduced rates on Edge coverage.
  • Telematics Discount – Insureds that choose to allow driving data submission to look at driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
  • Multiple Policy Discount – If you combine your homeowners and auto policies and insure them with the same company you could earn a discount of up to 20% off your total premium.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Some of the insurance companies that may include these benefits include:

Double check with all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in every state. If you would like to choose from a list of providers that offer some of these discounts, click here.

Components of your Ford Edge insurance premiums

Smart consumers have a good feel for the factors that aid in calculating insurance coverage rates. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can earn you lower premium levels. Many different elements are part of the calculation when pricing auto insurance. Some are obvious like an MVR report, but other criteria are less apparent like your continuous coverage or your financial responsibility.

  • Never let your coverage expire – Driving your car without having proper coverage is a big no-no and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, the inability to provide proof of insurance might get you a steep fine or even jail time.
  • Lower rates for married couples – Having a wife or husband may earn you lower rates on your insurance coverage bill. It may mean you are more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
  • Your occupation is a factor – Occupational choices like doctors, executives and stock brokers tend to pay the highest average rates due to high stress and long work hours. Other careers such as farmers, engineers and the unemployed have the lowest average rates on Edge coverage.
  • Annual mileage and car insurance premiums – The more you drive your Ford in a year the more you’ll pay to insure it. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Vehicles that sit idle most of the time can get a lower rate than those that get driven frequently. Incorrect rating for your Edge may be costing you. Verify your insurance coverage policy is showing annual mileage, because it can save money.
  • Costs are affected by your address – Residing in a small town is a good thing when insuring your vehicles. Fewer people translates into fewer accident claims and a lower car theft rate. Urban drivers have traffic congestion and higher rates of accident claims. Spending more time driving statistically corresponds to a higher accident and claim rate.
  • Limits of liability insurance – Liability coverage will protect you in the event that you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so do not skimp.

What is the best car insurance coverage?

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that These are some specific questions could help you determine if your situation may require specific advice.

  • Does my personal policy cover me when driving out-of-state?
  • If my pet gets injured in an accident are they covered?
  • What is the rate difference between pleasure use and commuting?
  • What is covered by UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Do I have coverage when making deliveries for my home business?
  • When would I need additional glass coverage?
  • Does coverage extend to my business vehicle?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Do drivers who switch really save $387 a year?

Companies like Progressive, Allstate and Geico regularly use ads on TV and radio. All the ads try to convey promises that you can save if you switch your coverage. Is it even possible that every company can make almost identical claims?

Different companies look for specific characteristics for the type of customer that will not have excessive claims. One example of a preferred risk might be described as over the age of 45, has a clean driving record, and does not commute to work. A propective insured who matches that profile will get low premium rates and most likely will cut their rates if they switch.

People who do not fit the “perfect” profile will probably have to pay a more expensive rate and business not being written. If you listen closely, the ads state “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can make it sound like they have such great prices.

That is why you absolutely need to get as many free insurance coverage quotes as possible. It is impossible to guess which insurance companies will have the best premium rates at this point in time.

Information about specific coverages

Learning about specific coverages of car insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Collision – This coverage covers damage to your Edge resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability car insurance – This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t 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 might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, medical services, loss of income and structural damage. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, fire damage and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 2016 Ford Edge.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as surgery, rehabilitation expenses, funeral costs, prosthetic devices and doctor visits. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Get your money’s worth

You just learned a lot of techniques to shop for 2016 Ford Edge insurance online. It’s most important to understand that the more you quote insurance coverage, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a lesser-known regional company. Some small companies may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

Cheaper insurance coverage can be sourced online and from local agencies, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some insurance coverage companies may not have rates over the internet and these smaller providers sell through independent insurance agents.

More tips and info about insurance coverage can be found at these sites: