Save on 2011 Ford Edge Insurance Rates

Looking for lower auto insurance rates for your Ford Edge? Overwhelmed by the sheer number of auto insurance company choices? You have a lot of company. There are so many options available that it can quickly become a challenge to locate the lowest price.

Ford Edge rates influenced by many factors

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that can help you get better car insurance rates.

  • Extra coverages can waste money – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for roadside assistance, accidental death and membership fees may be wasting your money. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Big city or small town – Being located in less populated areas is a positive aspect when it comes to car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer drivers means fewer accidents and a lower car theft rate.
  • The more you drive the more you pay – The more you drive every year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks left parked in the garage receive lower rates than those used for commuting. Make sure your car insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Edge may be costing you.
  • Being married is a good thing – Getting married can get you a discount on car insurance. Having a spouse translates into being more mature than a single person and statistics show being married results in fewer claims.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Higher deductibles cost less – The deductibles define the amount you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Edge coverage.

Compare Quotes for Car Insurance

When shopping for car insurance there are multiple ways to compare quotes and find the best price. The best way to find the lowest 2011 Ford Edge rates is to get quotes online. This can be accomplished in a couple of different ways.

  1. One of the best ways to find low rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing multiple quote forms to each individual car insurance company. One simple form gets you coverage quotes from multiple companies. Just one form and you’re done.
  2. Another way to get comparison quotes requires a trip to each company website to complete a price quote. For example, we’ll assume you want to compare Allstate, GEICO and State Farm. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient way of getting rate comparisons is driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a licensed agent. It is possible to find lower rates online but buy from a local insurance agent and we’ll touch on that later.

Whichever way you use, compare the exact same information for each price quote. If you enter different deductibles it will be next to impossible to determine the best price for your Ford Edge. Slightly different insurance coverages may cause a big price difference. And when comparison shopping, getting more free quotes gives you a better chance of getting a lower rate.

Don’t miss these discounts

Auto insurance companies don’t necessarily list all their discounts very clearly, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Passive Restraints – Factory air bags may earn rate discounts of up to 25% or more.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% for Edge coverage.
  • Accident Forgiveness – Certain companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Edge coverage than less cautious drivers.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

To see a list of insurance companies with the best car insurance discounts, click this link.

When might I need help?

When choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

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

  • When can I cancel my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is a fancy paint job covered?
  • How do I insure my teen driver?
  • Am I covered if I hit a deer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Coverage specifics

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability car insurance – Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, medical expenses, attorney fees and funeral expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Collision coverage – Collision coverage will pay to fix damage to your Edge resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like chiropractic care, X-ray expenses and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, a broken windshield and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be a smart shopper

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage and learned later that it was a big mistake. The ultimate goal is to get the best coverage possible for the lowest price.

People who switch companies do it for any number of reasons including lack of trust in their agent, high prices, not issuing a premium refund or even high rates after DUI convictions. It doesn’t matter what your reason, switching insurance coverage companies is easier than you think.

You just learned a lot of tips how to lower your 2011 Ford Edge insurance rates. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a smaller regional carrier.

Additional insurance coverage information is located at these links: