View 2010 Ford Edge Insurance Cost

Trying to find the cheapest auto insurance rates? Buyers have many options when searching for the lowest priced Ford Edge insurance. They can either waste time calling around to get rate comparisons or utilize the internet to find the lowest rates. There is a better way to buy auto insurance so we’re going to tell you the proper way to price shop coverage for your Ford and obtain the best price possible from local insurance agents and online providers.

It’s a good habit to compare rates periodically since insurance rates go up and down regularly. Just because you found the best rates for Edge coverage on your last policy you may be paying too much now. Starting now, forget all the misinformation about auto insurance because you’re going to get a crash course in the best way to find better rates and still maintain coverage.

How to Get Car Insurance

Finding lower car insurance rates isn’t really that difficult. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This can be done in a couple of different ways.

The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating a different quote for each company you want a rate for. In just a few minutes this one form gets rate comparisons from many national carriers. It’s the fastest way to compare.

Another way to get comparison quotes is spending the time to visit each individual company website to complete a price quote. For sake of this example, we’ll assume you want comparison quotes from Progressive, State Farm and GMAC. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular.

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

Which method you use is up to you, but make darn sure you compare exactly the same coverages and limits on every quote. If your comparisons have differing limits then you won’t be able to truly determine the lowest rate.

You are unique and your auto insurance should be too

When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help you determine if your situation will benefit from professional help.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Which is better, split liability limits or combined limits?
• Should I sign the liability waiver when renting a car?
• How can I find cheaper teen driver insurance?
• Do I have coverage for damage caused while driving under the influence?
• Am I covered if I hit a deer?
• Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Car insurance coverages explained

Having a good grasp of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for expenses for pain medications, doctor visits, nursing services and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. 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 gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage 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. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, falling objects and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – This coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, 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. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things like funeral expenses, pain and suffering, structural damage, emergency aid and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.