2016 Ford Edge Insurance Rates – 10 Tips for Cheaper Quotes

Searching for better insurance rates for your Ford Edge? Trying to come up with a payment for overpriced insurance can eat up your personal savings and possibly require you to analyze your spending habits. Drivers have many auto insurance companies to choose from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find a good deal.

It’s smart to compare rates periodically because prices change quite often. Even if you think you had the best deal on Edge insurance six months ago other companies may now be cheaper. You’ll find a ton of advice on insurance online, but in just a couple of minutes you can learn some guaranteed methods to lower your insurance rates.

Shop insurance coverage online

Reducing your 2016 Ford Edge insurance rates can be quick and easy. Just take a couple of minutes comparing price quotes from some recommended companies. It’s super easy and can be done by following the guidelines below.

The most efficient way to find low rates is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do boring form submissions for each company. One quote request will return quotes direct from many companies.

A harder way to analyze rates requires a trip to each individual company website and get a separate price quote. For instance, we’ll assume you want rates from Nationwide, Progressive and GMAC. You would need to take the time to go to each site and type in your information over and over, which is not fast way to get rate quotes.

For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but be sure you’re using nearly identical coverages and limits for each price quote. If you use different values for each quote you will not be able to make an equal comparison.

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Auto insurance companies offer many discounts

Auto insurance can be pricey, but you might find some hidden discounts that you may not even know about. Some discounts apply automatically at the time you complete a quote, but a few need to be asked about prior to receiving the credit.

• Safety Course Discount – Participating in a course teaching safe driver skills could cut 5% off your bill and make you a better driver.
• Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Paperwork-free – Some of the larger companies will give you a small discount for signing up over the internet.
• Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Policy Bundle Discount – If you have multiple policies and insure them with the same company you could save 10% to 20% off each policy.
• Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
• Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get better auto insurance rates on Edge insurance.
• Telematics Devices – Drivers who agree to allow companies to monitor when and where they use their vehicle remotely such as Progressive’s Snapshot might get better premium rates if they have good driving habits.
• No Accidents – Insureds who avoid accidents and claims can save substantially when compared with drivers with a long claim history.
• Early Switch Discount – Some auto insurance companies give discounts for switching companies before your current coverage expires. This can save 10% or more.

One last thing about discounts, some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck.

The best auto insurance companies and some of the premium reductions they offer are:

• Progressive has savings for multi-policy, homeowner, good student, online quote discount, and multi-vehicle.
• MetLife offers premium reductions for defensive driver, good student, multi-policy, claim-free, good driver, and accident-free.
• Mercury Insurance offers discounts including age of vehicle, anti-theft, low natural disaster claims, ease of repair, good student, good driver, and multi-policy.
• Nationwide has discounts for defensive driving, accident-free, easy pay, family plan, business or organization, and anti-theft.
• Geico may have discounts that include multi-policy, daytime running lights, driver training, anti-lock brakes, and defensive driver.
• AAA discounts include good student, pay-in-full, multi-policy, multi-car, education and occupation, and AAA membership discount.

It’s a good idea to ask all the companies to apply every possible discount. Some discounts might not apply everywhere. To find insurers with the best auto insurance discounts, click this link.

Do I just need basic coverages?

When buying proper insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out if you could use an agent’s help.

• Why do I only qualify for high-risk insurance?
• What is an SR-22 filing?
• What can I do if my company denied a claim?
• When should I not file a claim?
• Is my custom paint covered by insurance?
• Do I have any recourse if my insurance company denies a claim?
• Is my state a no-fault state?
• Do I have newly-aquired coverage?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

The coverage is in the details

Having a good grasp of car insurance can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses like surgery, chiropractic care, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays for damage to your Edge from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Edge.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability insurance

This coverage will cover injuries or damage you cause to people or other property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like bail bonds, emergency aid, legal defense fees, loss of income and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, vandalism and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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