Cheaper 2014 Ford Edge Car Insurance Cost
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UPDATED: Aug 23, 2022
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Looking for better auto insurance rates for your Ford Edge? Finding better insurance prices for a new or used Ford Edge can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are more efficient ways to shop for auto insurance and we’ll show you the best way to get price quotes for your Ford and locate the cheapest rates from both online companies and local agents.
It’s a good habit to compare prices every six months because insurance rates are adjusted regularly by insurance companies. Just because you found the lowest rates for Edge coverage a couple years back a different company probably has better rates today. So just forget all the misinformation about auto insurance because we’re going to show you the easiest way to properly buy coverages and cut your premium.
Verify you’re getting all your discounts
Auto insurance companies don’t list all their discounts very clearly, so we took the time to find both well-publicized and the more hidden ways to save on auto insurance. If you’re not getting every credit you deserve, you’re just leaving money on the table.
- Defensive Driver – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
- College Student – Children who live away from home and do not have a car can be insured at a reduced rate.
- Accident Forgiveness – A handful of insurance companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
- Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Edge coverage than less cautious drivers.
- Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
- New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Consumers should know that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.
Car insurance companies that may have these discounts may include but are not limited to:
- State Farm
- American Family
- 21st Century
It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not apply in every state.
Ford Edge premiums are determined by many factors
An important part of buying insurance is that you know the different types of things that help determine the rates you pay for insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.
- Older drivers save more – Teenage drivers have a tendency to be careless and easily distracted behind the wheel so they pay higher insurance rates. Parents adding a youthful driver onto a policy can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
- Frequent insurance claims increase rates – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies give better rates to people who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
- Do you need those extra coverages? – There are a ton of extra bells and whistles that you can get tricked into buying on your insurance policy. Insurance for personal injury protection, accidental death and additional equipment coverage may be costing you every month. They may seem good initially, but now you might not need them so eliminate the coverages to reduce your premium.
- Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents in similar percentages, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance rates.
- Where you live is a factor – Residing in less populated areas can be a good thing when buying insurance. Drivers who live in large cities have much more traffic and longer commute times. Fewer drivers means reduced accidents and a lower car theft rate.
When should I talk to an agent?
When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.
For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Can I get a multi-policy discount?
- Does coverage extend to Mexico or Canada?
- When does my teenage driver need to be added to my policy?
- Does my 2014 Ford Edge qualify for pleasure use?
- Is borrowed equipment or tools covered if stolen or damaged?
- Which is better, split liability limits or combined limits?
- How can I get high-risk coverage after a DUI?
- Are rental cars covered under my policy?
- At what point should I drop full coverage?
- Do I really need UM/UIM coverage?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Auto insurance 101
Understanding the coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Liability coverages – Liability insurance will cover damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for 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 limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability can pay for claims like repair bills for other people’s vehicles, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses like chiropractic care, prosthetic devices, X-ray expenses, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Edge.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Collision coverages – This coverage pays for damage to your Edge resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like rolling your car, colliding with another moving vehicle, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.
Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as rock chips in glass, a broken windshield, theft, falling objects and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
People who switch companies do it for a number of reasons such as lack of trust in their agent, policy non-renewal, delays in paying claims and even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.
You just read a lot of information how to lower your 2014 Ford Edge insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best prices are with a lesser-known regional company.
As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate.
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