Trying to find better insurance prices for a Ford Edge in Texas could be an all-consuming task, but you can use our car insurance buying tips and make it easy.
There is a better way to find car insurance online and you need to know the best way to get price quotes for your Ford and get the lowest possible price from Texas insurance agents and online providers.
You need to compare rates every six months because insurance rates go up and down regularly. Even if you think you had the best deal on Edge coverage a few years ago a different company probably has better rates today. So just forget anything you know (or think you know) about car insurance because you’re going to learn the things you must know in order to remove unneeded coverages and save money.
How to Get Car Insurance in Texas
Finding cheaper Ford Edge car insurance prices is surprisingly easy. Just invest a little time comparing price quotes provided by online insurance companies. This can be done using a couple different methods.
- The single most time-saving way to get quotes for comparison is to use a rate comparison form click to view form in new window. This method keeps you from doing repetitive form entry for every car insurance company. In just a few minutes this one form will return quotes .It’s the quickest way to get rates.
- A different way to shop for car insurance online consists of going to the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll pretend you want to compare Progressive, Liberty Mutual and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
- The most time-consuming method to compare rates is to waste gas driving to and from local insurance agencies. Shopping for car insurance online makes this process obsolete unless you prefer the professional advice that only a license agent can provide. Drivers can get prices online and still use a local agent. We’ll cover that shortly.
It’s up to you which method you use, but compare identical coverages and limits on every quote you get. If you compare different limits and deductibles on each one it will be next to impossible to find the best deal for your Ford Edge.
You probably qualify for some discounts
Car insurance can cost a lot, but you may find discounts to help bring down the price. Certain discounts will be applied when you quote, but a few must be asked about before being credited. If you’re not getting every credit you deserve, you’re just leaving money on the table.
- Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
- Early Signing – Select companies give a discount for signing up before your current expiration date. This can save 10% or more.
- Sign Online – Certain companies give back up to $50 for buying a policy and signing up over the internet.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
- Accident Waiver – Certain companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
- Bundle and Save – When you have multiple policies with one company you may save approximately 10% to 15%.
- Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Edge coverage depending on your company.
- College Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
It’s important to note that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.
For a list of providers offering car insurance discounts in Texas, click here.
What about using a local agent?
Certain consumers would rather buy from a local agent and there is nothing wrong with that. Professional agents can help determine the best coverages and help submit paperwork. The best thing about comparing insurance prices online is you can get the lowest rates but also keep your business local. And supporting small agencies is especially important in smaller communities.
Once you complete this form (opens in new window), your insurance coverage information is submitted to agents in your area who will return price quotes for your coverage. There is no reason to drive around because quoted prices will be sent to your email.
If you want to select a specific agent in Texas, view this site.
Selecting an insurance company shouldn’t rely on just the price. Any agent should have no problem answering these questions:
- Do they have any clout with companies to ensure a fair claim settlement?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are you getting all the discounts the company offers?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they regularly work with personal auto policies?
- Do the companies they represent have a solid financial rating?
Upon receiving answers to your satisfaction to these questions in addition to an acceptable price estimate, you may have just found an insurer that meets your needs to service your policy. Keep in mind policyholders can cancel a policy any time you want so don’t feel that you are obligated to a policy with no way out.
Do car insurance companies bend the truth?
Texas consumers constantly see and hear ads for car insurance savings by Progressive, Allstate and GEICO. All the companies make an identical promise that you can save if you move to their company.
But how can every company make almost identical claims? It’s all in the numbers.
Insurance companies have a preferred profile for the driver that makes them money. For instance, a profitable customer could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. Any driver who meets those qualifications will get very good rates and therefore will save when switching.
Drivers who don’t meet these standards will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save money. That’s the way companies can claim big savings.
This emphasizes why you need to compare as many rates as you can. Because you never know which company will give you the biggest savings.
Educate yourself about car insurance coverages
Having a good grasp of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Medical costs insurance
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as ambulance fees, nursing services, chiropractic care and prosthetic devices. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision insurance
Collision coverage will pay to fix damage to your Edge from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims like damaging your car on a curb, sideswiping another vehicle, crashing into a ditch, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Auto liability insurance
Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees and structural damage. How much coverage you buy is up to you, but buy as high a limit as you can afford. Texas requires minimum liability limits of 30,000/60,000/25,000 but you should consider buying better liability coverage.
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer, hail damage and theft. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
UM/UIM Coverage
This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Edge.
Since a lot of drivers only purchase the least amount of liability that is required (Texas limits are 30/60/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.
In the end, you save
We just presented a lot of techniques to get a better price on Ford Edge insurance. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with the smaller companies.
As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.
Lower-priced Ford Edge insurance can be purchased online in addition to many Texas insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide the ability to get a quote online and these smaller companies work with independent agents.
Additional car insurance information is located on the Texas Department of Insurance website through this link. Texas drivers can learn about specific coverages, file complaints about an insurance agent or broker, download brochures, and find out which companies have the most complaints.
Additional helpful sites include NAIC.org’s Understanding your Policy and this resource for insurance agents in Texas.