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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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Having to pay for overpriced insurance can dwindle your bank account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to cut your insurance bill. Since consumers have many insurance companies to choose from, it can be impossible to find the cheapest insurance company.

Don’t pay full price with these discounts

Companies don’t always list all available discounts very well, so here is a list some of the more common and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on Edge insurance than drivers with accidents.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • No Charge for an Accident – A few companies will forgive one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
  • Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Homeowners Savings – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.

Keep in mind that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that may offer these benefits may include but are not limited to:

  • State Farm
  • American Family
  • GEICO
  • 21st Century
  • Progressive

Check with each company which discounts they offer. All car insurance discounts might not apply in your state.

Your personal situation dictates your coverage

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions can help discover if you may require specific advice.

  • Can my teen drive my company car?
  • How does medical payments coverage work?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered by my policy?
  • Am I better off with higher deductibles on my 2011 Ford Edge?
  • Does coverage extend to Mexico or Canada?
  • What are the best liability limits?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads for car insurance savings from the likes of Progressive, Allstate and GEICO. All the companies make an identical promise that you’ll save big after switching your coverage to them.

But how can every company make the same claim?

All the different companies are able to cherry pick for the driver that is profitable for them. For instance, a desirable insured might be between 25 and 40, has no driving citations, and has a short commute. Any new insured who matches those parameters will get the preferred rates and therefore will save when they switch companies.

Consumers who do not match this ideal profile will be charged higher prices which leads to the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that much money. That is how companies can advertise the savings. That is why you should quote coverage with many companies. Because you never know which insurance company will fit your personal profile best.

Car insurance coverage options for a Ford Edge

Understanding the coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages available from car insurance companies.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2011 Ford Edge.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability car insurance – Liability insurance protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t 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. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as repair costs for stationary objects, emergency aid, pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision – Collision insurance covers damage to your Edge from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, colliding with a tree, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage pay for immediate expenses such as surgery, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane and a broken windshield. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

The best insurance company isn’t always the cheapest

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

Discount 2011 Ford Edge insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional information

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