Cheap 2008 Ford Edge Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 2, 2021

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Looking for lower auto insurance rates for your Ford Edge? Have you fallen victim to high-priced auto insurance? Believe me when I say there are many people just like you.

Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every insurer to find the lowest rate possible.

Smart consumers take time to do rate comparisons once or twice a year because rates tend to go up over time. Despite the fact that you may have had the best price for Edge coverage six months ago the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about auto insurance because we’re going to show you one of the easiest ways to remove unneeded coverages and save money.

Discounts can save BIG

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but a few must be inquired about in order for you to get them.

  • Paperwork-free – Some insurance companies will give a small break for buying your policy on their website.
  • Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn approximately 10% to 15%.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Edge coverage than their less cautious counterparts.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

The most recommended method to compare car insurance rates is to know the fact auto insurance companies will pay a fee to compare their rates. The one thing you need to do is give the companies some data like the type of vehicles you drive, if it has an alarm system, your general credit rating, and your occupation. Those rating factors is then submitted to insurance companies and you will get price comparisons quickly.

Pieces of the Ford Edge insurance rate puzzle

It’s important that you understand the rating factors that help determine the price you pay for insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get better insurance rates.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Ford scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Where you reside plays a part – Choosing to live in less populated areas is a positive aspect when insuring your vehicles. Urban drivers tend to have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents and a lower car theft rate.
  • One company can mean more discounts – Many insurers provide better rates to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.
  • Marriage pays dividends – Getting married can actually save you money when buying insurance. Marriage translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Allowing your policy to lapse raises rates – Driving without insurance is illegal and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Drive less and save money – The more miles you rack up on your Ford in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on how the vehicle is used. Cars not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Edge can cost quite a bit.
  • Sex matters – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations like DUI and reckless driving.

Will just any policy work for me?

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • I have health insurance so do I need medical payments coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Are rental cars covered under my policy?
  • Is my 2008 Ford Edge covered for flood damage?
  • Do I need replacement cost coverage?
  • Where can I find DUI or SR-22 insurance?
  • Is my babysitter covered when using my vehicle?
  • Is my teenager covered with friends in the car?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent.

Car insurance coverages and their meanings

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like funeral costs, prosthetic devices, doctor visits and EMT expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, hitting a deer, a broken windshield, damage from flooding and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance – This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as funeral expenses, medical expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Online plus local equals savings

We just showed you a lot of techniques to compare 2008 Ford Edge insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the biggest savings come from some of the lesser-known companies. They may have significantly lower rates on certain market segments than their larger competitors like Progressive or GEICO.

Cheaper insurance can be bought online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

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