2015 Ford Edge Insurance Quotes in 2024 – 10 Ideas for Cheapest Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 14, 2024

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Having to pay for pricey insurance can bottom out your personal savings and require stricter spending habits.

Big-name insurance companies like State Farm and GEICO continually bombard you with ads and it can be hard to sift through the bull and do the work needed to find the best deal.

It’s a good idea to price shop coverage on a regular basis because insurance prices trend upward over time. Just because you had the lowest quotes for Edge coverage last year you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the best ways to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Buying car insurance is easy if you know what you’re doing. But drivers need to learn the methods companies use to price online insurance and take advantage of how the system works.

Are you receiving every discount?

Insuring your vehicles can cost a lot, but there could be available discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of quoting, but less common discounts must be specially asked for prior to receiving the credit.

  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. You can use this discount normally up until you turn 25.
  • Defensive Driver Discounts – Successfully completing a course in safe driver could save 5% or more and also improve your driving technique.
  • Active Service Discounts – Being deployed with a military unit could mean lower premium rates.
  • Save with More Vehicles Insured – Buying insurance for multiple cars with the same auto insurance company can get a discount on all vehicles.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
  • Use Seat Belts – Requiring all passengers to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
  • Low Mileage – Maintaining low annual mileage can qualify you for discounted prices on garaged vehicles.
  • No Claims – Claim-free drivers get the best auto insurance rates in comparison to frequent claim filers.
  • E-sign Discounts – Many companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Early Renewal Discounts – Select insurance companies give a discount for buying a new policy before your current coverage expires. You may see this discount when you get car insurance quotes online.

It’s important to understand that most discounts do not apply to the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, that’s just not realistic. Any qualifying discounts will reduce your auto insurance premiums.

Insurance companies that may have some of the discounts shown above include:

  • MetLife
  • Progressive
  • Travelers
  • AAA

Double check with every company to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in your state.

When in doubt talk to an agent

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • How much can I save by bundling my policies?
  • Is my teenager covered with friends in the car?
  • Is my ex-spouse still covered by my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • I have health insurance so do I need medical payments coverage?
  • Can my babysitter drive my car?
  • Is business property covered if stolen from my car?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

The ad said I’d save $459 a year!

Respected companies like Allstate, GEICO and Progressive regularly use television, radio, and online ads. They all make the same claim that you’ll save big just by switching to them. How is it plausible that every one can lower your car insurance rates?

Most companies can use profiling for a prospective insured that will be a good risk. An example of a profitable insured might be described as married and over the age of 30, owns a home, and drives a car with an anti-theft system. Anybody who matches that profile will probably get cheap premium rates as well as save money with a new company.

Insureds who don’t qualify for these standards may be forced to pay higher premiums and the driver buying from a lower-cost company. The trick is to say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can confidently claim big savings.

This emphasizes why it is so important to compare price quotes frequently. Because without a comparison, you cannot know which company will fit your personal profile best.

Car insurance coverages explained

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses like pain medications, chiropractic care, nursing services, doctor visits and ambulance fees. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your Edge caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, colliding with another moving vehicle, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, damage from getting keyed and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Auto liability

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, court costs, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

More comparisons equals lower rates

When shopping online for insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. The aim is to find the BEST coverage at the lowest possible cost.

In this article, we presented some good ideas how to lower your 2015 Ford Edge insurance prices. The key thing to remember is the more times you quote, the better likelihood of getting the cheapest car insurance. Consumers could even find that the best prices are with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

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