Cheaper 2014 Ford Edge Insurance Rates

Searching for the cheapest car insurance rates for your Ford Edge? Finding affordable car insurance is always difficult for people who are new to comparing rates online. There are so many options available that it can turn into a lot of work to find the best price.

These factors can influence what you pay for Ford Edge insurance

Smart consumers have a good feel for the rating factors that play a part in calculating your car insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with big savings.

  • Frequent car insurance claims increase rates – If you file claims often, you can expect higher rates. Car insurance companies provide lower rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Big city or small town – Being located in less populated areas can save you money when buying car insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents.
  • Better credit scores mean better rates – Having a bad credit rating is a big factor in determining what you pay for car insurance. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower ratings. If your credit rating can use some improvement, you could potentially save money when insuring your 2014 Ford Edge by improving your rating.
  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes have accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Young males are most likely to cause an accident and are penalized with high car insurance rates.
  • No coverage gaps is important – Driving without insurance can get your license suspended and your next policy will cost more because you let your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Cheap Insurance Coverage Comparisons

All the larger insurance coverage companies quote coverage price quotes on their websites. Obtaining pricing is pretty easy as you just enter your required coverages into the quote form. When complete, the company’s rating system orders your driving and credit reports and quotes a price based on these factors.

This makes it a lot easier to compare rates but having to visit different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to get many rate quotes if you are searching for the lowest insurance coverage rates.

Quote rates the easy way

An easier way to find better insurance coverage pricing is to use a quote form that analyzes rates from many companies. This type of form saves time, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. Immediately after submitting the form, it is quoted and you are able to buy any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process can be completed in a matter of minutes and can result in significant savings.

To save time and compare rates now, click here and submit the form. If you have your current policy handy, we recommend that you enter the insurance coverages just like they are on your policy. Using the same limits helps guarantee you will get comparison quotes based on identical coverages.

Discounts are available to cut your rates

Car insurance companies don’t always list every available discount very well, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • College Student – Any of your kids who are attending college and do not have a car can be insured at a reduced rate.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Edge insurance than drivers with accidents.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

For a list of companies offering auto insurance discounts, click here to view.

Everyone needs different coverages

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • What are the best liability limits?
  • What can I do if my company won’t pay a claim?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need added coverage for expensive stereo equipment?
  • What are the financial responsibility laws in my state?
  • When should I buy a commercial auto policy?
  • What is medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Specific coverages for a 2014 Ford Edge

Understanding the coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, hail damage, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

This provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, court costs, medical expenses, attorney fees and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for things like funeral costs, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This pays for damage to your Edge caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, scraping a guard rail, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Money doesn’t grow on trees

Cheaper 2014 Ford Edge insurance is available on the web as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Consumers switch companies for a number of reasons such as unfair underwriting practices, policy cancellation, extreme rates for teen drivers or even high prices. No matter why you want to switch, choosing a new insurance company can be easy and end up saving you some money.

As you restructure your insurance plan, do not buy less coverage just to save a little money. There have been many cases where drivers have reduced collision coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford while still protecting your assets.

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