View 2019 Ford Edge Car Insurance Rates in 2024

Searching for lower insurance rates? Consumers have options when looking for low-cost Ford Edge insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to find the lowest rates. There are more efficient ways to compare insurance rates so you’re going to learn the best way to compare rates for your Ford and get the lowest price from both online companies and local agents.

It is always a good idea to do price comparisons before your policy renews because insurance prices are usually higher with each renewal. Just because you had the lowest rates on Edge insurance six months ago the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because we’re going to demonstrate one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or need a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. This information will familiarize you with the best way to quote coverages and some tips to save money. Drivers only need an understanding of the proper way to get comparison rates over the internet.

Learn how to get car insurance more affordably

An important part of buying insurance is that you know a few of the rating criteria that go into determining your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that will entitle you to better car insurance rates.

• Occupation impacts prices – Did you know your job can affect your rates? Careers like military personnel, business owners and medical professionals are shown to have higher average rates due to intense work requirements and lots of time spent away from family. Other jobs such as scientists, students and retirees get better rates on Edge insurance.
• Younger drivers are expensive to insure – More mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents and tend to be get fewer driving tickets. Young drivers have a tendency to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
• Better rates with anti-theft devices – Owning a car with advanced anti-theft systems can save you some money. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
• Keep policy claims to a minimum – Car insurance companies provide the best rates to insureds who are claim-free. If you frequently file small claims, you can look forward to increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• More than one policy can earn a discount – Some companies provide better rates to customers that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be ten percent or more. Even with this discount applied, you still need to compare rates to confirm you are receiving the best rates possible. You may still save even more than the discount even if you insure with multiple companies.

Drivers save money with these money-saving discounts

Some insurers don’t list every discount they offer very clearly, so the following list contains a few of the more common in addition to some of the lesser obvious credits available to you. If you don’t get every credit available, it’s possible you qualify for a lower rate.

• Drivers Ed for Students – Teen drivers should enroll in driver’s education in school.
• Active Military Service – Having a deployed family member can result in better rates.
• College Student – Older children who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
• Bundled Policy Discount – When you combine your home and auto insurance with one insurance company you could earn a discount of nearly 15% which can help you find cheaper auto insurance.
• Defensive Driver – Taking time to complete a defensive driver course could possibly earn you a 5% discount and make you a better driver.
• Air Bags and Passive Restraints – Options like air bags may get savings of 20% or more.
• Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
• Discount for Home Ownership – Just being a homeowner can get you a discount because it means you have a higher level of financial diligence.
• Senior Citizen Rates – Seniors can possibly qualify for a discount up to 10% on Edge insurance.

A little disclaimer on discounts, most discounts do not apply to the whole policy. Most only cut individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

The best car insurance companies and a selection of discounts can be read below.

• Travelers discounts include save driver, driver training, IntelliDrive, multi-policy, and multi-car.
• 21st Century may include discounts for 55 and older, automatic seat belts, teen driver, good student, defensive driver, anti-lock brakes, and driver training.
• State Farm has discounts for student away at school, Steer Clear safe driver discount, multiple autos, anti-theft, driver’s education, good student, and multiple policy.
• GEICO may have discounts that include multi-policy, emergency military deployment, five-year accident-free, membership and employees, and military active duty.
• SAFECO offers premium reductions for teen safe driver, homeowner, anti-theft, safe driver, accident prevention training, and multi-car.
• AAA includes discounts for anti-theft, good student, multi-car, education and occupation, AAA membership discount, multi-policy, and good driver.

If you need low cost auto insurance quotes, ask every prospective company the best way to save money. A few discounts may not apply in your state.

Do I need special coverages?

When buying proper insurance coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions can aid in determining whether your personal situation may require specific advice.

• Is my teenager covered with friends in the car?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How high should my uninsured/underinsured coverage be in my state?
• Is a new car covered when I drive it off the dealer lot?
• Do I have any recourse if my insurance company denies a claim?
• Do I pay less for low miles?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but you know they apply to you 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 enter your zip code. It only takes a few minutes and can provide invaluable advice.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2019 Ford Edge.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability

This coverage provides protection from damages or injuries you inflict on people or other property. It protects YOU from legal claims by others. It does not 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. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical services, pain and suffering, structural damage and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, rock chips in glass, hitting a bird, falling objects and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as pain medications, funeral costs, hospital visits, dental work and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Smart consumers save more

As you prepare to switch companies, you should never reduce needed coverages to save money. In too many instances, an insured cut liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford.

More affordable car insurance can be found on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online rate quotes and usually these smaller providers only sell coverage through independent agents.

Insureds leave their current company for many reasons like policy non-renewal, delays in responding to claim requests, lack of trust in their agent or being labeled a high risk driver. No matter why you want to switch, finding a new car insurance company can be easy and end up saving you some money.