Best Ways to Save on Plano Ford Edge Insurance

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Are you overwhelmed by the wide range of auto insurance providers in your area? You have so many choices that it can turn into a chore to compare prices on Ford Edge insurance. Lots of people think Plano is a good city to live in, but trying to pay high auto insurance rates can make it very difficult to meet other financial obligations.

Discount Ford Edge insuranceAmazingly, about 70% of customers kept their coverage with the same auto insurance company for more than four years, and approximately 38% of consumers have never quoted auto insurance rates at all. Many consumers in Texas can save nearly $1,766 each year, but they underestimate the amount of savings they would get if they just switched companies.

It is always a good idea to price shop coverage at least once a year because auto insurance rates are rarely the same from one policy term to another. Even if you got the lowest premium rates on Ford Edge insurance in Plano a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because we're going to show you one of the easiest ways to save money, get proper coverage and the best rates.

Lower rates by qualifying for discounts

Auto insurance companies don't necessarily list every available discount in a way that's easy to find, so the following list contains a few of the more common as well as the least known credits available to lower your premiums when you buy Plano auto insurance online. If you are not receiving all the discounts possible, you are paying more than you should be.Insurance discounts

  • Early Payment Discounts - If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
  • Plano Homeowners Pay Less - Owning a house in Plano may trigger a policy discount on insurance because maintaining a house requires personal responsibility.
  • Low Mileage Discounts - Driving fewer miles may enable drivers to earn better premium rates on cars that stay parked.
  • Renewal Discounts - Select insurance companies give a discount for buying a new policy prior to your current Edge insurance policy expiration. You may see this discount when you get Plano auto insurance quotes online.
  • Clubs and Organizations - Belonging to certain professional organizations could qualify you for a break on your next insurance statement.
  • Service Members Pay Less - Being deployed with a military unit may lower your rates slightly.
  • Theft Prevention Discount - Vehicles that have factory anti-theft systems help deter theft and will save you 10% or more on Edge insurance in Plano.

As a sidenote, many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, insurance companies aren't that generous.

The illustration below compares Ford Edge insurance premiums with and without policy discounts. The rates are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, claim-free, and homeowner discounts applied.

Popular insurance companies and some of the premium reductions they offer can be found below.

  • 21st Century has savings for student driver, early bird, good student, automatic seat belts, air bags, anti-lock brakes, and defensive driver.
  • State Farm has discounts for anti-theft, passive restraint, driver's education, student away at school, multiple policy, multiple autos, and good driver.
  • AAA offers discounts including good student, anti-theft, AAA membership discount, multi-car, and education and occupation.
  • Liberty Mutual includes discounts for hybrid vehicle, new move discount, multi-car, teen driver discount, and multi-policy.
  • Progressive may include discounts for online quote discount, good student, online signing, homeowner, continuous coverage, and multi-policy.

If you need low cost Plano auto insurance quotes, ask every company which discounts you qualify for. All car insurance discounts might not be available to policyholders in every state. If you would like to view insurance companies with the best Ford Edge insurance discounts in Plano, click this link.

The quickest method to compare insurance rates in your area utilizes the fact car insurance companies have advanced systems to provide you with free rate quotes. To begin a comparison, all you need to do is give them some information including whether your vehicle is owned or leased, driver ages, your education level, and if you require a SR-22. Those rating factors is instantly provided to multiple car insurance providers and they provide comparison quotes quickly.

If you would like to start a quote now, click here then complete the form.

The following companies can provide price quotes in Plano, TX. If your goal is to find the cheapest car insurance in Plano, we recommend you visit two to three different companies to get a more complete price comparison.

Detailed insurance information

The premium table displayed below outlines a range of insurance prices for Ford Edge models. Having a good grasp of how insurance prices are established is important for drivers to make decisions on the best policy coverages.

Ford Edge Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $176 $316 $514 $30 $154 $1,190 $99
Edge SE AWD $176 $384 $514 $30 $154 $1,258 $105
Edge SEL 2WD $176 $384 $514 $30 $154 $1,258 $105
Edge Limited 2WD $176 $384 $514 $30 $154 $1,258 $105
Edge SEL AWD $176 $384 $514 $30 $154 $1,258 $105
Edge Limited AWD $202 $452 $514 $30 $154 $1,352 $113
Edge Sport 2WD $202 $452 $514 $30 $154 $1,352 $113
Edge Sport AWD $202 $452 $514 $30 $154 $1,352 $113
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can influence rates substantially.

Higher deductibles save money

When comparing insurance rates, the most common question is the level to set your comp and collision deductibles. The data tables below summarize the price difference when you buy lower versus higher coverage deductibles. The first data table uses a $100 deductible and the second price table uses a $1,000 deductible.

Ford Edge insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $286 $486 $382 $22 $114 $1,315 $110
Edge SE AWD $286 $592 $382 $22 $114 $1,421 $118
Edge SEL 2WD $286 $592 $382 $22 $114 $1,421 $118
Edge Limited 2WD $286 $592 $382 $22 $114 $1,421 $118
Edge SEL AWD $286 $592 $382 $22 $114 $1,421 $118
Edge Limited AWD $328 $698 $382 $22 $114 $1,569 $131
Edge Sport 2WD $328 $698 $382 $22 $114 $1,569 $131
Edge Sport AWD $328 $698 $382 $22 $114 $1,569 $131
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Ford Edge insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $158 $256 $382 $22 $114 $932 $78
Edge SE AWD $158 $312 $382 $22 $114 $988 $82
Edge SEL 2WD $158 $312 $382 $22 $114 $988 $82
Edge Limited 2WD $158 $312 $382 $22 $114 $988 $82
Edge SEL AWD $158 $312 $382 $22 $114 $988 $82
Edge Limited AWD $182 $368 $382 $22 $114 $1,068 $89
Edge Sport 2WD $182 $368 $382 $22 $114 $1,068 $89
Edge Sport AWD $182 $368 $382 $22 $114 $1,068 $89
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in Plano location which can impact insurance rates noticeably.

We can derive from the above data that using a $100 deductible costs roughly $38 more each month or $456 for a full year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 24 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Rate comparison of males versus females in Plano

The illustration below visualizes the comparison of Ford Edge annual premium costs for male and female drivers. The information is based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are factored in.

Which is the best auto insurance?

When quoting and choosing insurance from an agent or online, there really isn't a best way to insure your cars. Your needs are not the same as everyone else's.Higher deductibles save money

Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • Am I covered while delivering pizza?
  • Can I cancel at any time?
  • Is my son or daughter covered when driving my car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When should I remove my kid from my policy?
  • Should I sign the liability waiver when renting a car?

If you don't know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Car insurance agents can give valuable advice

Many drivers would rather have an agent's advice and that is recommended in a lot of cases The biggest benefit of comparing insurance online is that drivers can save money and get lower rates and still buy from a local agent.

By using this quick form, the quote information is submitted to companies in Plano who will gladly provide quotes and help you find cheaper coverage. You never need to find an agent on your own since price quotes are sent straight to your inbox. You can find lower rates AND a local agent. If you wish to compare rates from a particular provider, feel free to jump over to their website and submit a quote form there.

Picking a company should depend on more than just a cheap price. Here are some questions you should ask.

  • Are they in the agency full-time?
  • How long has their agency been open in Plano?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • What discounts might you be missing?

Get the best coverage at the best price

When trying to cut insurance costs, never buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage at the best cost, but don't skip important coverages to save money.

In this article, we presented some good ideas how to shop for Ford Edge insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding the cheapest Ford Edge rate quotes. You may even find the best price on insurance is with an unexpected company.

Insureds switch companies for a number of reasons such as delays in responding to claim requests, high prices, lack of trust in their agent and being labeled a high risk driver. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

How to save on Ford Edge insurance in Plano

If you want to save the most money, the best way to find better pricing on Ford Edge insurance in Plano is to start comparing rates regularly from different companies who provide auto insurance in Texas. You can compare prices by following these steps.

  • Step 1: It will benefit you to learn about policy coverages and the things you can control to prevent expensive coverage. Many factors that cause rate increases like accidents, traffic violations, and a bad credit score can be remedied by making minor changes to your lifestyle.
  • Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agents can quote prices from multiple sources.
  • Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on Edge insurance. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.
  • Step 4: Give notification to your current company of your intent to cancel your current car insurance policy. Submit any necessary down payment along with the completed application to the new company. Immediately keep the new certificate of insurance in your glove compartment.

One key aspect when comparing rates is to make sure you're comparing the same liability limits and deductibles on each quote request and and to get price quotes from all possible companies. Doing this provides an accurate price comparison and many rates to choose from.

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