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 5, 2015

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Getting cheaper insurance coverage on the internet is rather challenging for comparing and buying insurance coverage over the internet. With literally dozens of online companies, how are we expected to efficiently compare all the different companies and get the lowest rates?

If you currently have a car insurance policy, you will be able to save some money using these methods. This information will familiarize you with how to effectively get price quotes and some tips to save money. Nevertheless, vehicle owners benefit from understanding the methods companies use to price insurance differently.

Buy car insurance online

Most of the larger companies allow you to get insurance quotes from their websites. Doing online quotes is very simple because it’s just a matter of typing in the coverages you want into the quote form. When complete, the company’s rating system automatically orders reports for credit and driving violations and returns a price quote based on many factors.

Being able to quote online makes it simple to compare prices but the process of having to visit a lot of sites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to get many rate quotes in order to find lower prices.

The smarter way to lower your rates uses one form that analyzes rates from many companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much easier to do. As soon as you send your information, your coverage is rated and you are able to buy your choice of the quote results. If you find a better price you can click and sign and purchase coverage. This process just takes a couple of minutes and you’ll know if lower rates are available.

If you want to find out if lower rates are available, click here and begin entering your coverage information. If you have your current policy handy, we recommend you enter deductibles and limits just like they are on your policy. This guarantees you will have comparison quotes for similar coverage.

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

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Are you falling for claims of savings?

Car insurance companies such as State Farm, Allstate and GEICO seem to constantly run television, radio, and online ads. All the ads convey the message that drivers will save a bundle just by switching your car insurance coverage to their company. How can each company offer drivers better rates?

Companies have a certain “appetite” for the type of driver that makes them money. For example, this type of driver may be over the age of 40, insures multiple vehicles, and drives less than 5,000 miles a year. A customer getting a price quote that meets those criteria is entitled to the best price and most likely will save money with a new company.

Potential customers who fall short of these stringent criteria may be forced to pay a higher rate which results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” save money. That’s why insurance companies can advertise the way they do. Different companies use different criteria so you should get insurance coverage quotes from several different companies. It is just not possible to predict with any certainty which company will have the best prices for your profile.

Verify you’re receiving every discount

Companies don’t list their entire list of discounts in a way that’s easy to find, so the list below details a few of the more well known and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

  • Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Edge coverage.
  • Distant Student – Youth drivers who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
  • Military Discounts – Having a family member in the military could qualify you for better prices.
  • Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multi-line Discount – Select companies reward you with better rates if you take out a life insurance policy as well.
  • Early Switch Discount – Some companies provide a discount for switching companies before your current policy expires. You may see this discount when you get insurance coverage quotes online.
  • Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety could save 5% or more if you qualify.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Responsible Drivers – Insureds without accidents may save up to 50% more on Edge coverage compared to rates paid by drivers with frequent claims.

Don’t be shocked that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will definitely lower your policy cost.

Some of the insurance companies that possibly offer some of the discounts shown above are:

When comparing rates, check with all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply everywhere. To see a list of insurance companies that have a full spectrum of discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • What companies insure drivers after a DUI or DWI?
  • Should I drop comprehensive coverage on older vehicles?
  • Are rental cars covered under my policy?
  • Do I need added coverage for expensive stereo equipment?
  • How high should deductibles be on a 2011 Ford Edge?
  • When does my teenage driver need to be added to my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

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

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Specific coverage details

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This coverage will pay to fix damage to your Edge caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like nursing services, doctor visits, hospital visits, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, rock chips in glass, vandalism, damage from getting keyed and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

This can cover injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like funeral expenses, bail bonds, structural damage, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

And the best car insurance company is…

In this article, we covered many ways to save on 2011 Ford Edge insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper insurance coverage. Drivers may discover the best price on auto insurance is with the least-expected company.

Cheaper 2011 Ford Edge insurance can be bought on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not provide online rate quotes and these regional insurance providers prefer to sell through independent insurance agencies.

Insureds leave their current company for a variety of reasons including questionable increases in premium, denial of a claim, high rates after DUI convictions or not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is less work than it seems.

Additional detailed information is located in the articles below: