Cheap 2013 Ford Edge Insurance Quotes

Overpriced Ford Edge insurance can drain your checking account and make it impossible to make ends meet. Comparison shopping is a great way to help make ends meet. Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest cost out there.

It’s a great practice to take a look at other company’s rates before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates for Edge coverage a couple years back you can probably find a better price now. So just forget all the misinformation about insurance coverage because we’re going to show you one of the best ways to save money, get proper coverage and the best rates.

Comprehensive Auto Insurance Comparison

Getting a cheaper price on 2013 Ford Edge insurance can be quick and easy. The only thing you need to do is invest a little time comparing rates online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the simplest ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form entry for each company you want a rate for. One quote request compares rates direct from many companies.
  2. Another way to shop for auto insurance online requires a visit to the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare rates from GEICO, Safeco and GMAC. To find out each rate you 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 insurance companies in your area, click here.
  3. The least recommended way to get comparison rates is to spend time driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you want the professional advice only provided by licensed agents. However, consumers can compare the best prices online but still have the advice of a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but ensure you are comparing identical information for every company. If you are comparing mixed coverages it will be next to impossible to determine the lowest rate for your Ford Edge.

Beware of misleading car insurance ads

Consumers can’t get away from ads for the lowest price auto insurance by State Farm, Allstate and GEICO. They all seem to have a common claim of big savings if you switch to their company.

How does each company claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the driver they prefer to insure. For example, a preferred risk could possibly be over the age of 40, a clean driving record, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who don’t meet the requirements will be charged more money which usually ends up with the customer not buying. The ads state “customers who switch” not “everyone that quotes” save that kind of money. This is how companies can make those claims.

That is why it is so important to get as many quotes as possible. It is impossible to predict the company that will have the lowest Ford Edge insurance rates.

How much can you save with discounts?

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. Some discounts apply automatically when you get a quote, but less common discounts must be asked about before you will receive the discount. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Save over 55 – Older drivers may be able to get a discount up to 10% for Edge coverage.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Student in College – Youth drivers who are attending college and do not have a car can receive lower rates.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • No Claims – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Memberships – Participating in certain professional organizations is a good way to get lower rates on your policy for Edge coverage.

It’s important to understand that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

For a list of insurance companies with discount auto insurance rates, click here to view.

How much car insurance do I need?

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • Can I still get insurance after a DUI?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I carry comprehensive and collision coverage?
  • Who is covered by my policy?
  • Can I rent a car in Mexico?
  • What companies insure drivers after a DUI or DWI?
  • What if I total my 2013 Ford Edge and owe more than it’s worth?
  • Which companies will insure high-risk drivers?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Learn about auto insurance coverages for a 2013 Ford Edge

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.

Liability insurance

This can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, legal defense fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, fire damage and damage from getting keyed. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Ford Edge.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for X-ray expenses, surgery and nursing services. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision protection

Collision insurance pays for damage to your Edge caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

In conclusion

Lower-priced 2013 Ford Edge insurance is possible online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not provide online price quotes and these small insurance companies work with independent agents.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Much more information about auto insurance can be read below: