Compare Ford Edge Insurance Quotes in Pittsburgh

If you want to find the absolute lowest rates, then the best way to find cheaper car insurance rates in Pittsburgh is to start comparing prices regularly from different companies who sell insurance in Pennsylvania.

1. Take a little time to learn about individual coverages and the measures you can take to keep rates low. Many policy risk factors that result in higher rates such as getting speeding tickets and an unfavorable credit rating can be amended by paying attention to minor details. Continue reading for more ideas to prevent high rates and get discounts that may be available to you.
2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while independent agents can provide rate quotes from multiple sources.
3. Compare the new quotes to your existing policy to see if a cheaper price is available in Pittsburgh. If you can save some money, make sure there is no lapse in coverage.
4. Notify your company or agent of your intention to cancel your current auto insurance policy. Submit payment and a completed application to the new company. Once the paperwork is finalized, place your new proof of insurance paperwork somewhere easily accessible.

The critical component of shopping around is to try to compare identical limits and deductibles on every quote request and and to get price quotes from as many companies as you can. Doing this provides the most accurate price comparison and a complete rate analysis.

It’s astonishing, but 70% of consumers have bought car insurance from the same company for at least the last four years, and just under half have never compared car insurance rates at all. Many consumers in Pennsylvania can save about 55% each year, but they don’t believe the rate savings if they changed companies.

Insurance policy discounts for Ford Edge insurance in Pittsburgh

Some insurers do not list every discount available very clearly, so we researched a few of the more well known as well as some of the hidden credits available to you. If you check and find you aren’t receiving every discount available, you are paying more than you should be.

• Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Auto/Home Discount – If you have multiple policies with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
• Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a Pittsburgh auto insurance quote. The good student discount can last up to age 25.
• Defensive Driving Course – Completing a course in safe driver may get you a small discount and also improve your driving technique.
• Early Switch Discount – Select companies give a discount for signing up prior to your current Edge insurance policy expiration. The savings is around 10%.

It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

The information below illustrates the comparison of Ford Edge auto insurance rates with and without discounts applied. The information is based on a male driver, no claims or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, marriage, multi-car, and homeowner discounts applied.

To find insurers with the best discounts in Pittsburgh, follow this link.

The following companies are ready to provide free rate quotes in Pittsburgh, PA. To get cheap auto insurance in PA, we recommend you visit as many as you can in order to find the cheapest rates.

Rates and data analysis

The rate information displayed below covers estimates of insurance policy prices for Ford Edge models. Understanding how auto insurance policy rates are figured can help you make smart choices when purchasing an insurance policy.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in your specific Pittsburgh location which can alter price quotes greatly.

Rate comparison for different deductibles

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The rates shown below determine the rate difference when you buy lower versus higher policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in zip code location which can raise or lower auto insurance rates substantially.

Based on these figures, using a $250 deductible will cost you roughly $14 more each month or $168 each year than buying the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 18 months between claim filings, you would probably save some money going with the higher deductible.

One thing to be aware of is that increasing deductibles to save money means you will have to pay more of your own money when you file a claim. You must have enough extra savings in order to pay the deductible to have repairs made.

The example below demonstrates how deductibles and can impact Ford Edge insurance costs for different categories of driver ages. The data is based on a married female driver, full coverage, and no discounts are factored in.

Premiums by gender and age

The chart below shows the comparison of Ford Edge auto insurance rates for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, single status, and no discounts are applied to the premium.

Liability only or full coverage

The diagram below shows the comparison of Ford Edge insurance prices with full physical damage coverage and with liability coverage only. The premium estimates are based on no accidents, no driving violations, $100 deductibles, single status, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no written rule to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Ford Edge replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If it’s costing you more than $400 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where removing full coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Are insurance agencies a thing of the past?

Some people would prefer to talk to a local agent and doing so can bring peace of mind Professional insurance agents can answer important questions and will help you if you have claims. One of the best bonuses of getting online price quotes is that drivers can save money and get lower car insurance rates and also buy local.

After completing this short form, your insurance data is immediately sent to local insurance agents that provide free Pittsburgh auto insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to do any legwork since rate quotes are delivered directly to you. If you need to compare prices from a specific insurance company, just visit that company’s website and fill out the quote form the provide.

Finding a good company requires you to look at more than just a low price. Some important questions to ask are:

• Do the companies they represent have a solid financial rating?
• Will high miles depreciate repair valuations?
• Will the company cover a rental car if your car is getting fixed?
• How would your car be valued if totaled?
• Do they have 24-hour customer assistance?

If you feel you receive good responses to all your questions as well as affordable Ford Edge insurance rates in Pittsburgh quotes, chances are good that you have found an insurer that can be trusted to service your policy.

Here’s why car insurance is not optional

Despite the fact that car insurance is not cheap in Pittsburgh, insurance is mandatory in Pennsylvania but it also protects more than you think.

• Just about all states have mandatory liability insurance requirements which means the state requires a specific level of liability insurance in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your Edge, most banks will have a requirement that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Ford at a more expensive rate and force you to reimburse them the higher price.
• Car insurance protects not only your vehicle but also your financial assets. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of having car insurance definitely exceed the price paid, particularly when you have a large claim. According to a 2015 survey, the average American driver is wasting up to $865 each year so you should quote rates each time the policy renews to save money.

Insurance coverages explained

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Liability auto insurance

This can cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 15/30/5 that means you have a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, funeral expenses, bail bonds, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.

The chart below demonstrates why buying low liability limits may not be enough coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for doctor visits, hospital visits and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible on your Edge in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Edge.

Because many people have only the minimum liability required by law (Pennsylvania limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, hitting a bird, damage from flooding, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Compare but don’t skimp

Cheap Ford Edge insurance in Pittsburgh is attainable both online and also from your neighborhood Pittsburgh agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get quotes online and these smaller providers only sell coverage through local independent agencies.

When searching for the cheapest Ford Edge rate quotes, do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage only to find out that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

More information

• Prom Night Tips for Teen Drivers (State Farm)
• Who Has Cheap Car Insurance for a Nissan Sentra in Pittsburgh? (FAQ)
• Who Has Cheap Pittsburgh Car Insurance Quotes for Drivers Over Age 50? (FAQ)
• Who Has Cheap Pittsburgh Car Insurance Quotes for a Nissan Rogue? (FAQ)
• What Insurance is Cheapest for Lyft Drivers in Pittsburgh? (FAQ)
• How do I File a Claim? (Insurance Information Institute)
• Auto Insurance Basics (Insurance Information Institute)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)