Finding cheaper insurance for a Ford Edge in Texas can normally be a painful process, but you can follow a few tricks to find lower rates.
There is a right way and a wrong way to shop for auto insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Ford and obtain the lowest price.
It’s a good idea to compare premium rates at least once a year because auto insurance prices change regularly. Just because you found the best deal on Edge coverage two years ago you will most likely find a better rate quote today. There is a lot of bad advice regarding auto insurance on the internet, but in just a couple of minutes you can learn the easiest ways to quit paying high auto insurance rates.
If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Buying affordable coverage in San Antonio is quite easy. But Texas vehicle owners do need to learn the way insurance companies price online insurance.
San Antonio Insurance Rates are Influenced by These Factors
Lots of factors are used when you quote your car insurance policy. A few of the factors are predictable like your driving record, but others are not quite as obvious like your vehicle usage and annual miles driven. One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that come into play when calculating your auto insurance rates. If you understand what determines premiums, this enables informed choices that will entitle you to big savings.
- Married people drive safer – Having a wife or husband can get you a discount on your auto insurance bill. Having a spouse means you’re more responsible and statistics show being married results in fewer claims.
- Cheaper auto insurance rates for being claim-free – If you tend to file frequent claims, don’t be surprised to see much higher rates or policy non-renewal. Insurance companies in Texas give cheaper rates to insureds who are not frequent claim filers. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
- Responsible drivers pay lower premiums – Good drivers get better rates compared to drivers with tickets. Having a single moving violation can bump up the cost by twenty percent. Drivers who have gotten severe citations like DUI or reckless driving may be required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
- Do you save by driving less? – Driving a lot of miles in a year’s time the more you will pay for auto insurance. A lot of companies apply a rate based upon how the vehicle is primarily used. Vehicles that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. Incorrect rating for your Edge can result in significantly higher rates. Ask your agent if your auto insurance coverage properly reflects how each vehicle is driven.
- Driver age impacts rates – More mature drivers are more cautious drivers, cost insurance companies less in claims .Beginning drivers tend to be inattentive with other occupants in the car and because of this, their auto insurance rates are much higher.
- Pay more out-of-pocket – Physical damage protection, aka comp and collision, covers your vehicle from damage. Examples of some claims that would be covered are a windshield shattered by a rock, damage from fire, and rolling your vehicle. The deductibles you choose state the amount of money the insured will be required to pay if a claim is determined to be covered. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Edge coverage.
- Do men or women drive better? – Over the last 50 years, statistics have shown that women are safer drivers than men. However, don’t assume that females are better at driving than males. They both cause auto accidents in similar numbers, but males have accidents that have higher claims. Men also statistically receive more costly citations like reckless driving and DUI.
- Alarms and GPS tracking lower prices – Driving a car with a theft deterrent system can help bring down rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms can thwart auto theft and help lower rates.
All the larger auto insurance companies make it easy to get coverage prices direct online. Getting quotes is quite easy as you simply enter the coverages you want as detailed in the form. Once you submit the form, the company’s rating system makes automated requests for your credit score and driving record and quotes a price based on these and other factors.
This makes it easy to compare insurance prices but the process of having to visit many different websites and type in the same data is a waste of time. But it is imperative to have as many quotes as possible if you want to get the lowest possible prices on auto insurance.
Rate comparisons made easy
The easiest way to locate the lowest prices uses one form that gets price quotes from several companies at one time. The form is fast, requires less work, and makes rate comparisons much more enjoyable. Immediately after submitting the form, it is rated and you can choose any or none of the quotes that you receive.
If you find a better price you simply finish the application and purchase coverage. This process only takes a few minutes and you’ll know if lower rates are available.
To quickly compare rates using this form now, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you duplicate your coverages as close as possible to your current policy. This guarantees you will have a fair comparison based on the exact same insurance coverage.
Don’t listen to company ads
Respected companies like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. All the ads say the same thing that you’ll save big if you change to them. That’s great but how can every company cost less than your current company? Here is how they do it.
All the different companies look for specific characteristics for the type of driver that will not have excessive claims. One example of a desirable insured could possibly be between the ages of 30 and 45, has had continuous coverage, and drives a safe vehicle. Any new insured that meets those criteria gets the lowest premium rates and will save when switching.
Potential customers who do not match this ideal profile must pay higher premium rates and ends up with the customer buying from someone else. The ad wording is “people that switch” not “all people who quote” save that much. That’s the way companies can make the claims of big savings.
Each company has different criteria, so it’s extremely important to do a rate comparison at every renewal. It’s just too difficult to predict which auto insurance company will have the best prices for your profile.
Texas auto insurance discounts
Car insurance can cost a lot, but there’s a good chance there are discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you complete an application, but some need to be asked for prior to getting the savings.
- Driver Training Discounts – Passing a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
- E-sign Discounts
- New Car Discount – Insuring a new car may earn a small discount since newer vehicles have better safety ratings.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
- Accident Forgiveness Coverage – Not necessarily a discount, but companies like GEICO, Progressive, and Allstate will turn a blind eye to one accident without raising rates if you are claim-free prior to the accident.
- Air Bags and Passive Restraints – Factory options such as air bags may qualify for discounts of up to 25% or more.
- Own a Home and Save – Just owning your own home can help you save on auto insurance because maintaining a house requires a higher level of personal finance.
- Federal Government Employee – Active or retired federal employment may qualify for a discount when you on Edge coverage with a few auto insurance companies.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Auto/Home Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you could save at least 10% off all policies.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
A partial list of companies that may offer some of the above discounts include:
If you want , ask all the companies how many discounts you can get. All car insurance discounts may not apply to policyholders in your area. To locate auto insurance companies offering auto insurance discounts in San Antonio, click here to view.
Tailor your auto insurance coverage to you
When choosing the right insurance coverage, there is no cookie cutter policy. Each situation is unique.
For instance, these questions might point out if you would benefit from an agent’s advice.
- Is there coverage for injuries to my pets?
- Do I need medical payments coverage since I have good health insurance?
- Who is covered by my policy?
- How much liability coverage do I need in Texas?
- Should I sign the liability waiver when renting a car?
- Do I have coverage when pulling a U-Haul trailer?
- Will I lose any money if I cancel my policy before it expires?
- Does my insurance cover damage caused when ticketed for reckless driving?
If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.
Much more information about auto insurance in Texas can be found on the website for the Texas Department of Insurance located here. Visitors are able to find disaster information, download brochures, and find out industry alerts.
The articles below may also help you learn more about auto insurance in San Antonio
Affordable auto insurance is out there
Some insurance providers do not offer online rate quotes and most of the time these smaller providers sell through independent agents. More affordable auto insurance can be bought on the web and also from your neighborhood San Antonio agents, and you should compare price quotes from both so you have a total pricing picture.
While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped full coverage to discover at claim time that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.
We just covered a lot of ways to lower your Ford Edge insurance prices. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from the smaller companies.