How to Compare Toledo Ford Edge Insurance

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Discount Ford Edge insuranceDid a good deal turn into an under-performing, overpriced insurance policy? Don't feel bad because there are a lot of people in Toledo just like you who feel imprisoned by their insurance policy.

A recent insurance study discovered that a large majority of drivers have stayed with the same insurance company for more than four years, and approximately 38% of consumers have never compared quotes from other companies. Consumers in Ohio could save approximately $729 a year, but they just don't want to do a rate comparison.

How to find cheaper quotes for Ford Edge insurance in Toledo

The most effective way to get affordable Ford Edge insurance in Toledo is to regularly compare quotes from insurance carriers who provide auto insurance in Ohio. This can be done by completing these steps.

First, get a basic knowledge of the different coverages in a policy and the measures you can control to lower rates. Many things that cause high rates such as distracted driving and a less-than-favorable credit rating can be rectified by making small lifestyle or driving habit changes. Read the full article for tips to help keep rates affordable and get discounts that may be available to you.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from many different companies.

Third, compare the new rates to your existing coverage to determine if you can save on Edge insurance in Toledo. If you find better rates, ensure there is no coverage lapse between policies.

Fourth, provide written notification to your current company of your decision to cancel your existing policy and submit the required down payment along with the signed application for your new policy. Be sure to safely store the certificate of insurance along with the vehicle's registration papers.

One thing to point out is to make sure you enter the same amount of coverage on every quote and and to analyze all possible companies. This provides an apples-to-apples comparison and a better comparison of the market.

Many insurance companies compete for your hard-earned dollar, so it's not easy to compare every provider to find the absolute lowest rate possible on Ford Edge insurance in Toledo.

If you have a current insurance policy, you should be able to cut your premiums using the concepts covered in this article. Locating the best rates in Toledo can really be easy if you know what you're doing. Although Ohio consumers must know the way insurance companies charge you for coverage and use this information to your advantage.

Rates and other information

The coverage information below showcases different insurance prices for Ford Edge models. Having knowledge of how auto insurance prices are determined can help you make smart choices when buying a policy.

Ford Edge Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $170 $298 $306 $18 $92 $884 $74
Edge SE AWD $170 $364 $306 $18 $92 $950 $79
Edge SEL 2WD $170 $364 $306 $18 $92 $950 $79
Edge Limited 2WD $170 $364 $306 $18 $92 $950 $79
Edge SEL AWD $170 $364 $306 $18 $92 $950 $79
Edge Limited AWD $194 $428 $306 $18 $92 $1,038 $87
Edge Sport 2WD $194 $428 $306 $18 $92 $1,038 $87
Edge Sport AWD $194 $428 $306 $18 $92 $1,038 $87
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific zip code location which can modify coverage rates substantially.

Deductible comparison

When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The comparison tables below determine how much more you'll pay of buying low and high comp and collision deductibles. The first table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Ford Edge insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $152 $242 $226 $14 $68 $727 $61
Edge SE AWD $152 $296 $226 $14 $68 $781 $65
Edge SEL 2WD $152 $296 $226 $14 $68 $781 $65
Edge Limited 2WD $152 $296 $226 $14 $68 $781 $65
Edge SEL AWD $152 $296 $226 $14 $68 $781 $65
Edge Limited AWD $176 $348 $226 $14 $68 $857 $71
Edge Sport 2WD $176 $348 $226 $14 $68 $857 $71
Edge Sport AWD $176 $348 $226 $14 $68 $857 $71
Get Your Own Custom Quote Go
Ford Edge insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $94 $152 $226 $14 $68 $554 $46
Edge SE AWD $94 $186 $226 $14 $68 $588 $49
Edge SEL 2WD $94 $186 $226 $14 $68 $588 $49
Edge Limited 2WD $94 $186 $226 $14 $68 $588 $49
Edge SEL AWD $94 $186 $226 $14 $68 $588 $49
Edge Limited AWD $108 $220 $226 $14 $68 $636 $53
Edge Sport 2WD $108 $220 $226 $14 $68 $636 $53
Edge Sport AWD $108 $220 $226 $14 $68 $636 $53
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle location which can lower or raise premiums substantially.

Based on this data, using a $250 deductible could cost the average driver approximately $17 more each month or $204 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 44 months between claim filings, you would more than likely save some money going with the higher deductible.

The illustration below illustrates how your choice of deductibles and can impact Ford Edge insurance rates for different categories of driver ages. Data assumes a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Lower Your Toledo Insurance Prices

Multiple criteria are used in the calculation when quoting car insurance. A few of the factors are predictable like your driving record, but other criteria are more transparent like your vehicle usage and annual miles driven. The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating auto insurance rates. If you have a feel for what impacts premium levels, this enables you to make decisions that will entitle you to big savings.

The items below are some of the things that factor into your premiums.

  • What are good liability protection limits? - Your auto insurance policy's liability coverage provides coverage if ever you are ruled to be at fault for damages from an accident. This coverage provides for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Occupation stress can make you pay more - Careers like real estate brokers, social workers, and dentists have higher premiums than the average policyholder attributed to intense work-related stress and lengthy work days. On the flip side, occupations such as scientists, engineers and homemakers pay lower than average rates.
  • Vehicle features impact prices - Selecting a car model with a theft deterrent system can save you a little every year. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your car from being stolen.
  • No insurance claims equals better rates - If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance companies in Ohio generally give most affordable rates to drivers who are claim-free. Insurance coverage is designed for claims that you cannot pay yourself.
  • Performance influences insurance premiums - The type of car or truck you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. Economy passenger models usually have the lowest rates, but the cost you end up paying is determined by many additional factors.

    The following chart uses these variables: married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. The data compares Ford Edge insurance premiums compared to other models that have a range of performance risks.

  • Premiums increase with driving tickets - A bad driving record impacts premiums far more than you think. Drivers who don't get tickets get better rates compared to drivers with tickets. Only having one speeding ticket may increase your cost twenty percent or more. Drivers who have received serious violations like DUI or willful reckless driving may find that they have to to submit a SR-22 form with their state DMV in order to legally drive.

    The diagram below highlights how traffic violations and accident claims drive up Ford Edge annual premium costs for different age groups. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

  • Gender matters - Statistics demonstrate that females take fewer risks when driving. It does not mean men are worse drivers. They both are in at-fault accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also receive more major tickets like driving under the influence (DUI). Males from age 16 to 21 are the most expensive to insure so it costs more to insure them.

    The illustration below illustrates the comparison of Ford Edge insurance costs for male and female drivers. The price estimates are based on no violations or claims, full physical damage coverage, $1,000 deductibles, single status, and no other discounts are factored in.

  • Insurance loss data for Ford Edge vehicles - Companies analyze historical claim data as a way to help calculate a profitable premium rate. Vehicles that the statistics show to have increased claim numbers or amounts will cost more for specific coverages. The table below shows the compiled insurance loss statistics for Ford Edge vehicles.

    For each policy coverage, the statistical loss for all vehicles, without regard to make or model, is represented as 100. Values below 100 mean the vehicle has better than average losses, while values that are 100 or greater indicate more frequent claims or statistically larger losses.

    Ford Edge Insurance Claim Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Edge 4dr 2WD 53 93
    Ford Edge 4dr 4WD 71 108 75
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Quote. Compare. Save.

Lower-priced auto insurance in Toledo is available from both online companies as well as from independent agents in Toledo, so you need to quote Toledo car insurance with both in order to have the best price selection to choose from. A few companies may not offer the ability to get a quote online and usually these regional carriers work with independent insurance agencies.

Throughout this article, we presented a lot of information how to save on Ford Edge insurance in Toledo. It's most important to understand that the more times you quote, the better chance you'll have of finding cheaper Toledo car insurance quotes. You may even discover the best price on auto insurance is with a small local company. They may only write in your state and offer lower prices than their larger competitors like Allstate or State Farm.

Steps to buying affordable Ford Edge insurance in Toledo

The best way we recommend to get discount auto insurance rates is to make a habit of regularly comparing prices from companies who can sell car insurance in Toledo. Price quotes can be compared by following these steps.

  1. Read about the coverage provided by your policy and the measures you can take to prevent rate increases. Many risk factors that cause high rates such as traffic citations, accidents, and a negative credit rating can be controlled by paying attention to minor details.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of insurance providers. View insurance agents
  3. Compare the new rate quotes to the premium of your current policy to see if cheaper Edge coverage is available. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.
  4. Provide notification to your current company of your intention to cancel your current car insurance policy. Submit a completed policy application and payment to the new company. Don't forget to keep the new proof of insurance certificate in a readily accessible location in your vehicle.

One bit of advice is to try to compare identical deductibles and limits on every quote and and to get price estimates from as many companies as you can. Doing this enables an apples-to-apples comparison and a thorough selection of prices.

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