Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 22, 2017

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Consumers have options when looking for affordable Ford Edge insurance. They can either waste time driving around trying to get quotes or leverage the internet to get rate quotes. There are more efficient ways to shop for insurance so you’re going to learn the absolute fastest way to price shop coverage for a Ford and get the best price possible from both online companies and local agents.

Lower rates by qualifying for these nine discounts

Some insurers do not list every disount available very well, so we researched a few of the more common and also the more inconspicuous credits that may apply to you.

  • Bundled Policy Discount – When you combine your auto and home insurance with the same company you will save at least 10 to 15 percent or more.
  • Good Student – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it can save substantially.
  • Defensive Driver Discounts – Passing a course in defensive driver is a good idea and can lower rates if you qualify.
  • Memberships – Participating in qualifying clubs or civic groups could earn you a nice discount on insurance coverage.
  • Paperless Signup – A handful of companies will discount your bill up to fifty bucks for signing up on their website.
  • Student in College – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
  • Low Mileage – Keeping the miles down on your Ford can qualify you for slightly better rates than normal.
  • Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts in comparison to bad drivers.

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, nobody gets a free ride. But all discounts should help lower the amount you have to pay.

The best insurance coverage companies and some of the discounts include:

  • Farm Bureau discounts include safe driver, multi-vehicle, good student, driver training, and youthful driver.
  • State Farm may offer discounts for safe vehicle, good driver, accident-free, anti-theft, student away at school, defensive driving training, and multiple policy.
  • Progressive offers discounts for good student, online signing, homeowner, multi-vehicle, continuous coverage, multi-policy, and online quote discount.
  • Allstate has discounts for safe driver, multi-policy, eSmart discount, resident student, and senior citizen.
  • Nationwide has savings for easy pay, accident-free, Farm Bureau membership, multi-policy, defensive driving, and family plan.
  • MetLife offers premium reductions for good driver, multi-policy, claim-free, accident-free, and defensive driver.

Before buying, ask every prospective company which credits you are entitled to. Savings might not be offered in your area. For a list of providers who offer free insurance coverage quotes, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Are car insurance companies telling the truth?

Consumers can’t avoid all the ads that claim the cheapest premium rates by companies like GEICO, State Farm and Progressive. They all seem to seem to make the promise that people will save if you switch your policy.

That’s great but how can every company charge you less for auto insurance? It’s all in how they say it.

Insurance providers can use profiling for the right customer that will be a good risk. An example of a profitable insured may need to be over the age of 50, has few claims, and has a short commute. Any customer who meets those qualifications may get the lowest prices and most likely will cut their rates if they switch.

Insureds who fall short of the ideal profile will see a more expensive rate with the end result being business not being written. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save the amount stated. That’s why companies can state the savings. This really emphasizes why you should compare quotes as often as possible. It is impossible to guess which company will have the best prices for your profile.

Insurance coverage is unique, just like you

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • Is my 2008 Ford Edge covered for flood damage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How does medical payments coverage work?
  • Who is covered by my policy?
  • When can I cancel my policy?
  • Does my car insurance cover rental cars?
  • What can I do if my company denied a claim?
  • Do I need replacement cost coverage?
  • Can I afford low physical damage deductibles?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Car insurance specifics

Having a good grasp of car insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage – This coverage will pay to fix damage to your Edge caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, damaging your car on a curb, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Liability coverage – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as loss of income, legal defense fees and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from flooding and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for expenses like dental work, EMT expenses, surgery and chiropractic care. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Edge.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Be Smart and Buy Smart

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, delays in responding to claim requests or high prices. It doesn’t matter why you want to switch switching auto insurance companies can be easier than you think.

Cost effective 2008 Ford Edge insurance is attainable both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer price quotes online and many times these smaller providers only sell coverage through independent insurance agencies.

We just showed you a lot of ways to save on 2008 Ford Edge insurance. The most important thing to understand is the more you quote insurance coverage, the higher your chance of finding cheaper insurance coverage. Drivers may discover the lowest car insurance rates come from the least-expected company.

To learn more, link through to the articles below: