Compare Ford Edge Insurance Quotes in Pittsburgh

Discount Ford Edge insuranceIf 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.

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.

Ford Edge Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $222 $352 $330 $20 $98 $1,022 $85
Edge SE AWD $222 $428 $330 $20 $98 $1,098 $92
Edge SEL 2WD $222 $428 $330 $20 $98 $1,098 $92
Edge Limited 2WD $222 $428 $330 $20 $98 $1,098 $92
Edge SEL AWD $222 $428 $330 $20 $98 $1,098 $92
Edge Limited AWD $254 $506 $330 $20 $98 $1,208 $101
Edge Sport 2WD $254 $506 $330 $20 $98 $1,208 $101
Edge Sport AWD $254 $506 $330 $20 $98 $1,208 $101
Get Your Own Custom Quote Go

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.

Ford Edge insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $222 $352 $330 $20 $98 $1,047 $87
Edge SE AWD $222 $428 $330 $20 $98 $1,123 $94
Edge SEL 2WD $222 $428 $330 $20 $98 $1,123 $94
Edge Limited 2WD $222 $428 $330 $20 $98 $1,123 $94
Edge SEL AWD $222 $428 $330 $20 $98 $1,123 $94
Edge Limited AWD $254 $506 $330 $20 $98 $1,233 $103
Edge Sport 2WD $254 $506 $330 $20 $98 $1,233 $103
Edge Sport AWD $254 $506 $330 $20 $98 $1,233 $103
Get Your Own Custom Quote Go

Ford Edge insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $180 $284 $330 $20 $98 $912 $76
Edge SE AWD $180 $346 $330 $20 $98 $974 $81
Edge SEL 2WD $180 $346 $330 $20 $98 $974 $81
Edge Limited 2WD $180 $346 $330 $20 $98 $974 $81
Edge SEL AWD $180 $346 $330 $20 $98 $974 $81
Edge Limited AWD $206 $408 $330 $20 $98 $1,062 $89
Edge Sport 2WD $206 $408 $330 $20 $98 $1,062 $89
Edge Sport AWD $206 $408 $330 $20 $98 $1,062 $89
Get Your Own Custom Quote Go

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.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $97
Average monthly premium for $500 deductibles (subtract): – $83
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

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.

Pittsburgh insurance agentsAfter 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:

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.

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.

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