2017 Ford Edge Insurance Rates in 2024

Trying to find the cheapest car insurance rates for your Ford Edge? Have you finally had enough of being strong-armed each month for car insurance? You have the same problem as the majority of other people. Popular companies such as GEICO, 21st Century and Progressive increase brand awareness with ad campaigns and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

If you have a current car insurance policy or are just looking to switch companies, you can use this information to find better prices while maintaining coverages. Finding affordable coverage is not rocket science. Drivers just need to know the best way to compare price quotes on the web.

Lower rates by qualifying for discounts

Car insurance is not cheap, but there are discounts available that can dramatically reduce your bill. Some trigger automatically at the time of purchase, but some must be asked for before being credited.

• Government Employees – Simply working for the federal government may reduce rates when you quote car insurance for Edge insurance with certain companies.
• Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally until age 25.
• Paperwork-free – Certain auto insurance companies will give a small break for buying a policy and signing up over the internet.
• Safe Drivers – Drivers without accidents could pay up to 40% less for Edge insurance than their less cautious counterparts.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
• Early Switch Discount – Select insurance companies give a discount for switching to them before your current coverage expires. You may see this discount when you get car insurance quotes online.
• Low Mileage – Fewer annual miles on your Ford may enable drivers to earn lower premium rates due to less chance of an accident.
• Senior Citizen Rates – Older drivers may receive better auto insurance rates for Edge insurance.
• New Car Discount – Buying a new car model can save up to 30% because newer vehicles keep occupants safer.

Discounts lower rates, but most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Large auto insurance companies and the discounts they provide can be found below.

• Travelers may have discounts that include payment discounts, multi-car, student away at school, hybrid/electric vehicle, new car, and home ownership.
• 21st Century discounts include theft prevention, homeowners, good student, air bags, teen driver, automatic seat belts, and 55 and older.
• State Farm offers premium reductions for safe vehicle, multiple autos, accident-free, Drive Safe & Save, defensive driving training, driver’s education, and student away at school.
• GEICO has savings for daytime running lights, air bags, multi-vehicle, anti-theft, anti-lock brakes, good student, and emergency military deployment.
• SAFECO may include discounts for safe driver, bundle discounts, multi-car, homeowner, teen safe driver, accident prevention training, and teen safety rewards.
• AAA includes discounts for multi-car, AAA membership discount, multi-policy, good driver, education and occupation, anti-theft, and good student.

When getting a coverage quote, ask all the companies which discounts you qualify for. Discounts might not apply in every state. If you would like to choose from a list of insurance companies that offer multiple discounts, enter your zip code here.

Low cost insurance coverage prices

The majority of larger companies give insurance quotes from their websites. This process is quite easy because you just enter your coverage information on the page. Upon sending the form, their rating system pulls reports for credit and driving violations and generates pricing information based on these and other factors. Online quotes makes comparing rates easy, but the time it takes to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s necessary to perform this step in order to get lower prices.

There is a better way!

A less time-consuming method to compare insurance coverage pricing is to use a quote form to obtain quotes from several companies at one time. This type of form saves time, requires less work, and makes comparison shopping much more enjoyable. Immediately after you send the form, it is quoted and you can select any or none of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

If you want to find out what other companies charge, simply enter your zip code here and input your coverage information. If you have your current policy handy, we recommend that you enter the coverages exactly as shown on your declarations page. Doing this assures you will have rate quotes for similar insurance coverage.

Learn how to lower your insurance rates

Many things are used when pricing auto insurance. Most are fairly basic like your driving record, although others are more transparent such as your credit history or your commute time. The best way to find cheaper insurance coverage is to take a look at some of the factors that play a part in calculating insurance coverage rates. If you know what influences your rates, this allows you to make good choices that can help you get lower insurance coverage prices.

• Lower premiums for vehicles with better crash test results – Vehicles with high crash test scores tend to have lower insurance rates. These vehicles reduce occupant injuries and lower injury rates means less claims paid which can mean better rates for you. If your Ford Edge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Proper usage rating affects prices – The more you drive in a year’s time the higher the price you pay to insure it. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that sit idle most of the time cost less to insure than those used for commuting. A policy that improperly rates your Edge may be wasting your money. Verify your policy is showing the right rating data.
• Teenagers are high risk – Older insureds are viewed as being more responsible, cost insurance companies less in claims , and are generally more financially stable. Inexperienced drivers are proven to get distracted easily when at the wheel of a vehicle so insurance coverage rates are higher.
• Your address can modify price – Having an address in less populated areas can save you money when talking about insurance coverage. Fewer drivers means reduced accidents and a lower car theft rate. Drivers who live in large cities have much more traffic and higher rates of accident claims. Higher commute times means more chances of being involved in an auto accident.
• Defend yourself with liability – The liability coverage on your policy kicks in in the event that you are found liable for an accident. It will provide legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Only buy what you need – Insurance policies have a lot of additional extra coverages you can purchase if you aren’t diligent. Coverage for things like personal injury protection, towing, and motor club memberships are examples of these. They may sound like good ideas when buying your policy, but your needs may have changed so remove them and pocket the money.
• Bad drivers pay high rates – Only having one ticket can boost insurance rates substantially. Careful drivers have lower premiums as compared to careless drivers. Drivers who get careless tickets like hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
• Small frequent insurance claims are not good – If you’re an insured who likes to file claims you can pretty much guarantee higher rates. Companies give discounts to insureds who are claim-free. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.

Auto insurance is unique, just like you

When it comes to buying the best auto insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

• If I drive on a suspended license am I covered?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I have coverage for damage caused while driving under the influence?
• Should I get collision insurance on every vehicle?
• Do I have coverage when pulling a U-Haul trailer?
• Will my insurance pay for OEM parts?
• When would I need rental car insurance?
• Does my 2017 Ford Edge qualify for pleasure use?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Switch companies and save? Really?

Consumers can’t escape the ads that claim the best premium rates by companies like Progressive, Allstate and GEICO. They all seem to make the point about savings if you move your auto insurance coverage to their company.

How do they all save you money? You have to listen carefully.

Insurance providers are able to cherry pick for the type of insured that earns them the most money. An example of a preferred risk might be between the ages of 30 and 50, has no driving citations, and insures a new vehicle. Anyone who fits those characteristics is entitled to the best price and most likely will save a lot if they switch.

People who are not a match for the ideal profile will probably be forced to pay a more expensive rate and this results in the customer not buying. The ads say “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can state the savings. This emphasizes why you really should do a rate comparison at every renewal. It’s just too difficult to predict which insurance companies will give you the biggest savings.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by auto insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills for EMT expenses, doctor visits, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – Collision coverage covers damage to your Edge caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – This protects you from damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as structural damage, court costs and pain and suffering. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird, fire damage and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

One last thing about your coverage

Cheap 2017 Ford Edge insurance is possible from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them to get a complete price analysis. Some companies do not provide rates over the internet and these regional insurance providers work with independent agencies.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an insured cut liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.