2023 Ford Edge Insurance Quotes in 2024

Looking for cheaper insurance coverage rates for your Ford Edge? Online rate comparisons for low cost insurance can be difficult if you are one of the many people new to online rate quotes. But don’t just give up because there is an easy way to compare rates.

It’s a good habit to price shop coverage quite often because prices change regularly. Just because you had the lowest rates for Edge insurance six months ago you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the tricks you need to know to find lower rates on insurance coverage.

Finding affordable insurance coverage can be fairly easy. Essentially every driver who is required by state law to have insurance coverage will be able to cut their insurance bill. Although drivers do need to learn the way insurance companies compete online and apply this information to your search.

Insurance quotes comparison

Comparing insurance rates can be a daunting task if you don’t understand the easiest way. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize online quotes to achieve your goal.

Most car insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each participating company provides a quote based on the submitted data. This saves time by eliminating quote forms to each individual insurance company. To use this form to compare rates enter your zip code here.

The one downside to using this type of form is you are unable to specify which providers to get pricing from. So if you prefer to choose individual companies to compare rates, we have a listing of insurance companies in your area. Click to enter zip code.

However you get your quotes, do your best to use nearly identical coverages and limits with every price quote. If you compare different values for each quote you will not be able to determine the best price for your Ford Edge. Having just a slight variation in coverages could mean much higher rates. Just remember that comparing more quotes will improve the odds of getting the best offered rates. Not every company allows you to get quotes online, so it’s recommended that you also compare price estimates from those companies as well.

Auto insurance companies offer many discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that you may not even be aware of. Most are applied when you complete an application, but lesser-known reductions have to be specially asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

• Cautious Drivers – Accident-free drivers can pay as much as 50% less for Edge insurance than drivers with accident claims.
• Telematics Data – Drivers who elect to allow their auto insurance company to scrutinize driving patterns by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.
• Renewal Discounts – A few larger companies allow discounts for buying a new policy before your current expiration date. You may see this discount when you get insurance quotes online.
• Drive Less and Save – Driving less can qualify you for lower rates on the low mileage vehicles.
• Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
• Accident Waiver – Not necessarily a discount, but some companies like GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a specific time period.
• Theft Deterrent Discount – Cars equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
• Student in College – Youth drivers who live away from home to go to college and leave their car at home could qualify for this discount.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you aren’t that lucky.

If you would like to see a list of insurance companies with the best auto insurance discounts, enter your zip code here.

You can change your insurance costs

Lots of factors are taken into consideration when pricing auto insurance. Some are obvious like an MVR report, although some other factors are more obscure like where you live or your vehicle rating.

The itemized list below are most of the major factors used by insurance companies to determine rates.

• A good credit history can save money – An insured’s credit score is a big factor in determining what you pay for insurance. People that have good credit tend to be more responsible and file fewer claims than those with lower ratings. If your credit score is lower than you’d like, you could potentially save money when insuring your 2023 Ford Edge by repairing your credit.
• Keep insurance rates low by being claim-free – Insurance companies generally give the best rates to people who do not file claims often. If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Extra policy coverages you don’t need – There are a lot of extra coverages that can add up but may not be useful. Coverages for rental car reimbursement, towing, and membership fees may be costing you every month. They may seem like a good idea initially, but if you’ve never needed them in the past consider taking them off your policy.
• Your address can influence premiums – Choosing to live in less populated areas of the country is a good thing when buying insurance. Fewer drivers and short commutes corresponds to lower accident rates in addition to lower liability claims People in densly populated areas tend to have more road rage incidents and longer commute times. More time behind the wheel can result in more accidents.
• Vehicle features that lower premiums – Choosing to buy a car with a theft deterrent system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your vehicle from being stolen.
• Liability protection – The liability section of your policy will afford coverage in the event that a jury decides you are liable for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Cars with good safety ratings are cheaper to insure – Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.
• Driver age impacts prices – Teen drivers are known to be inattentive when driving and because of this, their insurance rates are much higher. More mature drivers are more responsible, cause fewer claims and accidents , and are generally more financially stable.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

For example, these questions could help you determine if your situation will benefit from professional help.

• What is roadside assistance coverage?
• Am I covered when driving a rental car?
• Do I really need UM/UIM coverage?
• I don’t drive much so do I pay less?
• Should I have combined single limit or split liability limits?
• Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and enter your zip code.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hail damage, damage from getting keyed, theft and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property. It protects YOU against claims from other people. It does not 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. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as bail bonds, legal defense fees, repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Ford Edge.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as ambulance fees, pain medications, prosthetic devices and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision insurance

This coverage pays for damage to your Edge from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

In conclusion

Consumers who switch companies do it for many reasons like poor customer service, unfair underwriting practices, questionable increases in premium or even policy cancellation. No matter why you want to switch, finding a great new company is easier than you think.

More affordable insurance is available from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection. Some insurance companies do not offer the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agencies.

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best possible price while still protecting your assets.