How Much Does 2017 Ford Edge Car Insurance Cost?

Searching for better insurance rates for your Ford Edge? Scraping up a payment for pricey Ford Edge insurance can bleed your family’s budget and make it hard to pay other bills. Due to the increasing number of online and local companies to choose from, it’s difficult to choose the most cost effective company.

Consumers need to quote other rates at least once a year since insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest rate for Edge coverage at your last renewal there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to find better coverage at a better price.

The purpose of this post is to let you in on the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Consumers just need to know the tricks to shop online.

The quickest method to get rate comparisons is to realize almost all companies provide online access to quote your coverage. The only thing you need to do is give the companies some data such as level of coverage desired, what you do for a living, whether the vehicles are used for commuting, and if it has an anti-theft system. That rating data is instantly provided to all major companies and they return cost estimate with very little delay.

To compare multiple company rates now, click here and enter the information requested.

Insurance coverage discounts help slash rates

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so the following is a list of some of the more common and the more hidden credits that may apply to you.

  • Pay Early and Save – By paying your policy upfront rather than spreading payments over time you could save up to 5%.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Government Employees – Active or former government employment may qualify for a discount when you quote car insurance for Edge coverage with a few insurance coverage companies.
  • Discounts for New Vehicles – Buying a new car model can save you some money due to better safety requirements for newer vehicles.
  • Switch and Save Discount – Select companies give a discount for switching to them prior to your current policy expiration. This discount can save up to 10%.
  • Paper-free Discount – A few companies provide a small discount for buying your policy online.
  • Active Military Service – Being on active deployment in the military may qualify for rate reductions.
  • Telematics Discount – Drivers who elect to allow their insurance company to spy on driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
  • Smart Student Discounts – Performing well in school can earn a discount of 20% or more. Most companies allow this discount until age 25.

You can save money using discounts, but most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

The best insurance coverage companies and some of the discounts are shown below.

  • American Family may have discounts that include defensive driver, Steer into Savings, bundled insurance, mySafetyValet, early bird, and air bags.
  • State Farm has discounts for good driver, student away at school, Drive Safe & Save, good student, passive restraint, multiple policy, and multiple autos.
  • 21st Century has savings for 55 and older, student driver, early bird, teen driver, good student, and driver training.
  • Travelers includes discounts for driver training, multi-policy, multi-car, new car, payment discounts, save driver, and student away at school.
  • Geico may offer discounts for good student, emergency military deployment, anti-lock brakes, multi-vehicle, and federal employee.

When getting free car insurance quotes, it’s a good idea to every company to give you their best rates. Some discounts might not apply in your state. To see a list of insurance companies that offer many of these discounts, click here.

Which is the best auto insurance?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • What is the rate difference between pleasure use and commuting?
  • Is business equipment covered while in my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I rent a car in Mexico?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance costs are influenced by these factors

Consumers need to have an understanding of some of the factors that help determine your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that can help you get lower premium levels. Many factors are considered when you get your auto insurance bill. Some factors are common sense like your driving record, although others are less apparent like your vehicle usage or your vehicle rating.

Listed below are some of the factors used by insurance companies to determine your prices.

  • Lower rates by increasing comp and collision deductibles – Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Ford. Some examples of covered claims would be collision with another vehicle, vandalism, and damage from a fallen tree branch. The deductibles define how much you are required to spend out-of-pocket if you file a covered claim. The more damage repair cost the insured is willing to pay, the less money you will pay for auto insurance for Edge coverage.
  • Rate your vehicle for proper use – The more miles you rack up on your Ford annually the more you’ll pay to insure it. Most companies rate vehicles based upon how you use the vehicle. Autos used primarily for pleasure use can be on a lower rate level compared to those used for work or business. Incorrect rating for your Edge is just wasting money. Make sure your auto insurance policy states how each vehicle is driven.
  • Always keep your policy in force – Allowing your auto insurance policy to lapse will be a sure-fire way to increase your rates. Not only will you pay more, getting caught without coverage might get you a fine, jail time, or a revoked license.
  • When should you file a claims? – Auto insurance companies award the best rates to insureds who only file infrequent claims. If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for larger claims.
  • Stress out and pay more – Do you work in a high-stress field? Careers like doctors, business owners and accountants usually pay the highest average rates attributed to intense work requirements and lengthy work days. On the other hand, professions such as farmers, students and performers pay the least for Edge coverage.
  • Do thieves like your car? – Driving a car with an alarm system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.

Big names are not always cheapest

Consumers can’t escape the ads that claim the lowest prices from companies such as State Farm, Allstate and Geico. They all seem to have a common claim that you’ll save big if you switch your policy.

But how can every company offer you a better deal? It’s all in how they say it.

Companies have a certain “appetite” for the type of driver that will add to their bottom line. One example of a desirable insured could be between the ages of 30 and 50, has a clean driving record, and has excellent credit. Any person that hits that “sweet spot” will probably get cheap prices and will save when they switch companies.

Potential customers who cannot meet this ideal profile will be quoted higher premiums which results in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently make claims like that.

Each company has different criteria, so you should get car insurance quotes from several different companies. It is impossible to predict which insurance companies will have the lowest rates.

Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Ford Edge.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Liability

This coverage can cover damages or injuries you inflict on a person or their property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, pain and suffering, medical expenses and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for prosthetic devices, funeral costs, chiropractic care, ambulance fees and pain medications. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Never pay more for less

You just learned quite a bit of information on how to reduce 2017 Ford Edge insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising. These companies can often provide lower car insurance rates in certain areas than their larger competitors like Progressive or Geico.

Cheaper 2017 Ford Edge insurance is possible from both online companies as well as from independent agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and usually these small, regional companies only sell through independent insurance agencies.

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