Lower Your 2009 Ford Edge Insurance Rates

Searching for cheaper insurance rates for your Ford Edge? Locating cheaper insurance for your Ford Edge can turn out to be a lot of work, but you can use these tips to make it easier. There is a better way to buy insurance so you’re going to learn the best way to quote coverages for a Ford and find the lowest price from local insurance agents and online providers.

How to lower your insurance prices

Consumers need to have an understanding of some of the factors that go into determining the rates you pay for insurance coverage. If you have some idea of what controls the rates you pay, this helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are a few of the “ingredients” used by insurance companies to determine prices.

• Stay claim-free and save money – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance companies give the lowest premiums to people who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Credit rating impacts premium rates – A driver’s credit score will be a significant factor in determining premium rates. People that have very high credit ratings tend to file fewer claims as compared to drivers with poor credit scores. If your credit score is low, you could save money insuring your 2009 Ford Edge by improving your credit score.
• Cheaper rates after marriage – Your spouse may save some money when buying insurance coverage. Having a significant other generally demonstrates drivers are more mature and it’s statistically proven that married drivers get in fewer accidents.
• Lower coverage deductibles cost more – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Ford. Some examples of covered claims could be colliding with a building, vandalism, and damage from a fallen tree branch. Your deductibles are the amount of money you are willing to pay if the claim is covered. The more money you choose to pay out-of-pocket, the less your insurance coverage will be on Edge coverage.

Lower rate quotes with these discounts

Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be specially asked for prior to receiving the credit.

• Telematics Data Discounts – Insureds who allow driving data submission to study where and when they drive by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
• Discounts for Responsible Drivers – Safe drivers may save up to 50% more on Edge coverage compared to accident prone drivers.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
• Accident Waiver – Not really a discount, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage if you have no claims for a certain period of time.
• Senior Discount – Drivers over the age of 55 can get a slight reduction on a car insurance quote on Edge coverage.
• ABS Brakes – Cars that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
• Pay Upfront and Save – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
• Government Employee Discount – Having worked for a branch of the government could cut as much as 10% off on Edge coverage depending on your company.
• Paper-free Discount – A few larger companies may give you up to $50 simply for signing on the web.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Despite the fact that it seems like you could get a free car insurance policy, you won’t be that lucky.

Insurance companies that may have some of the above discounts possibly include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

If you are trying to find cheaper car insurance quotes, ask all the companies what discounts are available to you. Discounts may not apply to policyholders in your state.

Insurance coverage can be complex

When choosing the best insurance coverage coverage, there really is not a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

• Does coverage extend to Mexico or Canada?
• What is high-risk coverage and where do I buy it?
• When would I need rental car insurance?
• What is the ISO rating for a 2009 Ford Edge?
• How do I buy GAP insurance?
• What can I do if my company won’t pay a claim?
• Exactly who is provided coverage by my policy?
• Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverage specifics

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance 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 such as hitting a bird, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, X-ray expenses, rehabilitation expenses, prosthetic devices and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, colliding with a tree, crashing into a ditch, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for liability

Liability coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as emergency aid, pain and suffering, loss of income, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Edge.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Don’t throw your cash in the trash

People leave their current company for a number of reasons such as high prices, high rates after DUI convictions, delays in paying claims or lack of trust in their agent. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

Throughout this article, we presented many tips how you can get a better price on 2009 Ford Edge insurance. The key thing to remember is the more quotes you get, the better likelihood of getting affordable car insurance. You may even find the biggest savings come from some of the smallest insurance companies.

The cheapest 2009 Ford Edge insurance can be found from both online companies and from local agencies, so you need to quote car insurance with both to have the best rate selection. Some companies may not provide online rate quotes and most of the time these smaller companies provide coverage only through independent agents.

For more information, take a look at the resources below:

• Airbag FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Speed and Speed Limit FAQ (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)