Looking for cheaper insurance rates for your Ford Edge? I can’t think of a single person who enjoys paying for insurance, particularly when the price is too high.
Insurance companies such as GEICO, 21st Century and Progressive continually hit you with ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.
It’s a good habit to check insurance prices occasionally since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price for Edge insurance two years ago a different company probably has better rates today. Starting now, block out anything you think you know about insurance because we’re going to show you the fastest and easiest way to lower your annual insurance bill.
If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is quite easy. Nevertheless, drivers do need to learn how insurance companies price online insurance.
To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. By far the easiest way to find competitive 2012 Ford Edge insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.
The best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form eliminates the need for boring form submissions for each company you want a rate for. A single form will return quotes from car insurance companies with the best prices.
Another way to obtain and compare quotes online requires you to visit each company website and request a quote. For sake of this example, let’s say you want comparison quotes from Auto-Owners, GEICO and Allstate. To get each rate you have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
Whichever method you choose, make sure you use the exact same coverage information with each company. If you have unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Quoting even small variations in coverage limits may result in large price differences. Keep in mind that getting more free quotes will enable you to find better pricing.
Companies that sell car insurance don’t always list all available discounts very clearly, so we break down both the well known and also the lesser-known ways to save on insurance coverage.
It’s important to note that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.
To see a list of insurers with the best insurance coverage discounts, click this link.
When buying the right insurance coverage, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.
Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Edge.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability insurance covers claims like pain and suffering, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.
Collision insurance will pay to fix damage to your Edge caused by 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 insurance covers things such as rolling your car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for bills for things like rehabilitation expenses, surgery, chiropractic care and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Comprehensive auto coverage
Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like hail damage, rock chips in glass, theft and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.