The easiest way to get low-cost Ford Edge insurance in Scottsdale is to compare quotes annually from companies in Arizona. You can shop around by completing these steps.
- Step 1: Gain an understanding of car insurance and the measures you can take to lower rates. Many rating factors that result in higher rates like at-fault accidents and poor credit history can be amended by being financially responsible and driving safely.
- Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can provide price quotes for many different companies.
- Step 3: Compare the new rates to the price on your current policy to determine if you can save on Edge insurance in Scottsdale. If you find better rates, make sure coverage does not lapse between policies.
- Step 4: Tell your current company to cancel your current policy and submit a down payment along with a completed application to the new insurer. Immediately keep the new certificate verifying proof of insurance with the vehicle registration.
An essential thing to point out is to use the same deductibles and limits on every quote request and and to get price quotes from as many different insurance providers as possible. This guarantees a fair rate comparison and plenty of rates choose from.
It’s safe to assume that insurance companies want to keep you from comparing prices. People who compare other rates are likely to move their business because there is a good chance of finding coverage at a more affordable price. A study discovered that people who made a habit of comparing rates saved about $850 each year compared to people who never compared rates.
If finding budget-friendly auto insurance is why you’re here, then having some knowledge of how to get free comparison quotes and analyze insurance coverage can help simplify the task of finding more affordable coverage.
Choosing the best rates in Scottsdale seems hard but is not really that difficult. If you currently have insurance, you will most likely be able to find better prices using this strategy. Vehicle owners only need to know how to buy insurance online from multiple companies.
Rates and data analysis
The rate information displayed next highlights a range of rate quotes for Ford Edge models. Having a better understanding of how insurance premiums are formulated is important to be able to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $108 | $198 | $314 | $18 | $94 | $732 | $61 |
| Edge SE AWD | $108 | $240 | $314 | $18 | $94 | $774 | $65 |
| Edge SEL 2WD | $108 | $240 | $314 | $18 | $94 | $774 | $65 |
| Edge Limited 2WD | $108 | $240 | $314 | $18 | $94 | $774 | $65 |
| Edge SEL AWD | $108 | $240 | $314 | $18 | $94 | $774 | $65 |
| Edge Limited AWD | $124 | $284 | $314 | $18 | $94 | $834 | $70 |
| Edge Sport 2WD | $124 | $284 | $314 | $18 | $94 | $834 | $70 |
| Edge Sport AWD | $124 | $284 | $314 | $18 | $94 | $834 | $70 |
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise price quotes considerably.
Ford Edge insurance rates by age and gender
The information below illustrates the difference between Ford Edge insurance prices for male and female drivers. The information is based on a clean driving record, no claims, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied.
Parts of your car insurance policy
Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.
Collision protection
This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as crashing into a building, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Edge to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford Edge.
Due to the fact that many Arizona drivers have only the minimum liability required by law (15/30/10 in Arizona), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Liability car insurance
This provides protection from damage that occurs to other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/10 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property.
Liability insurance covers things like medical services, pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing better liability coverage.
The illustration below demonstrates why the minimum limit may not be high enough to cover claims.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for bills such as hospital visits, funeral costs, EMT expenses and surgery. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance
This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like falling objects, hail damage and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Do the work, save more money
As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where someone dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.
We just showed you a lot of information how to save on Ford Edge insurance in Scottsdale. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from a smaller regional carrier. These companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.
Budget-conscious Ford Edge insurance can be bought from both online companies in addition to local insurance agencies, so you should compare both to have the best rate selection. Some insurance companies don’t offer rate quotes online and many times these regional insurance providers provide coverage only through independent agencies.
More information
- State Car Insurance Guides (GEICO)
- What Auto Insurance is Cheapest in Scottsdale, Arizona? (FAQ)
- Who Has Affordable Auto Insurance for Welfare Recipients in Scottsdale? (FAQ)
- How Much is Auto Insurance for a Jeep Grand Cherokee in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Car Insurance for a Ford Explorer? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)