Best Ford Edge Insurance in Birmingham

Discount Ford Edge insuranceDo you need a better way to compare more affordable Ford Edge insurance in Birmingham? Locating the cheapest Birmingham Ford Edge insurance quotes can be overwhelming for consumers new to online price comparisons. With such a large number of agents and online companies, how can consumers possibly compare every company in order to find the best price?

Unimaginable but true, a large majority of car insurance policyholders kept their policy with the same company for well over three years, and almost half have never compared rates from other carriers. Birmingham insurance shoppers could save an average of 40% each year by just shopping around, but they don't want to spend time to shop their coverage around.

It's a good idea to compare rates as often as possible due to the fact that insurance rates change frequently. If you had the best premium rates on Ford Edge insurance in Birmingham on your last policy you can probably find a lower rate today. There is a lot of bad information regarding Edge insurance online, but by reading this article, you're going to learn some of the best ways to lower your car insurance premiums.

Car insurance providers offering affordable price quotes in Alabama

The companies shown below provide quotes in Alabama. If multiple providers are shown, we suggest you visit several of them to get the best price comparison.

Ford Edge Insurance Price Estimates in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $134 $256 $438 $26 $132 $986 $82
Edge SE AWD $158 $348 $354 $20 $106 $986 $82
Edge SEL 2WD $218 $514 $354 $20 $106 $1,212 $101
Edge Limited 2WD $142 $294 $318 $18 $94 $866 $72
Edge SEL AWD $174 $364 $318 $18 $94 $968 $81
Edge Limited AWD $260 $518 $338 $20 $100 $1,236 $103
Edge Sport 2WD $224 $532 $382 $22 $114 $1,274 $106
Edge Sport AWD $204 $472 $438 $26 $132 $1,272 $106
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in vehicle location which can lower or raise insurance rates considerably.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The tables below may help you to understand the difference in cost between low and high coverage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Ford Edge insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $252 $430 $338 $20 $100 $1,165 $97
Edge SE AWD $252 $524 $338 $20 $100 $1,259 $105
Edge SEL 2WD $252 $524 $338 $20 $100 $1,259 $105
Edge Limited 2WD $252 $524 $338 $20 $100 $1,259 $105
Edge SEL AWD $252 $524 $338 $20 $100 $1,259 $105
Edge Limited AWD $290 $618 $338 $20 $100 $1,391 $116
Edge Sport 2WD $290 $618 $338 $20 $100 $1,391 $116
Edge Sport AWD $290 $618 $338 $20 $100 $1,391 $116
Get Your Own Custom Quote Go
Ford Edge insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $140 $228 $338 $20 $100 $826 $69
Edge SE AWD $140 $276 $338 $20 $100 $874 $73
Edge SEL 2WD $140 $276 $338 $20 $100 $874 $73
Edge Limited 2WD $140 $276 $338 $20 $100 $874 $73
Edge SEL AWD $140 $276 $338 $20 $100 $874 $73
Edge Limited AWD $160 $326 $338 $20 $100 $944 $79
Edge Sport 2WD $160 $326 $338 $20 $100 $944 $79
Edge Sport AWD $160 $326 $338 $20 $100 $944 $79
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in vehicle garaging location which can change coverage rates greatly.

Based on the figures above, using a $100 deductible could cost the average driver approximately $33 more each month or $396 every year than choosing the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 27 months between claim filings, you would probably save some money if you opt for a higher deductible. Here is the way you can come to your own conclusion.

Average monthly premium for $100 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important note is that increasing deductibles to save money means you will have to cover more of the damage yourself when you file a claim. That will require some available funds in the event you need to pay more to get your vehicle repaired.

Rate comparison of males versus females

The information below illustrates the difference between Ford Edge auto insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied.

Should you raise deductibles?

The chart below shows how choosing a deductible and can affect Ford Edge insurance rates for each different age group. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Five discounts for cheaper insurance quotes

Companies that sell car insurance do not list every possible discount very well, so the below list has some of the more common and also the more inconspicuous credits available to bring down your rates.Discount insurance

It's important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free insurance policy, you're out of luck.

To choose providers that can offer you the previously mentioned discounts in Birmingham, click here to view.

Different people need different car insurance coverages

Always remember that when buying a policy, there really isn't a best way to insure your cars. Your needs are unique to you.Safe vehicles cost less to insure

Here are some questions about coverages that can help discover whether or not you could use an agent's help.

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Compare rates but work with a local Birmingham insurance agency

Many people just prefer to visit with an insurance agent and that is not a bad decision One of the best bonuses of getting free rate quotes online is that drivers can save money and get cheap insurance rates but also keep your business local. Buying insurance from neighborhood agents is important particularly in Birmingham.

Insurance agents in BirminghamOnce you complete this form (opens in new window), your coverage information gets sent to insurance agents in Birmingham that provide free Birmingham auto insurance quotes for your coverage. You never need to visit any agencies due to the fact that quote results will go to the email address you provide. Get lower rates without the usual hassles of price shopping. If you need to get a price quote from a specific company, don't hesitate to jump over to their website and fill out the quote form the provide.

When finding a reliable insurance agency, there are two different types of agencies and how they operate. Birmingham agents can either be independent agents or exclusive agents.

Independent Agents

These agents do not have single company limitations so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can switch companies and you don't have to find a new agent.

When comparing rates, we recommend you get some free quotes from at least one independent agent to maximize your price options. Many independent agencies also insure through smaller companies that many times have cheaper rates.

Featured below is a partial list of independent agencies in Birmingham who may provide price quote information.

More Birmingham agents

Exclusive Agents

Exclusive agencies write business for a single company such as Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to provide other company's prices so you might not find the best rates. Exclusive agents receive a lot of sales training on what they offer which can be an advantage. Consumers sometimes purchase coverage from exclusives primarily because of the brand legacy and solid financial strength.

Shown below are exclusive agents in Birmingham that are able to give price quotes.

More Birmingham agents

Picking the best car insurance agent needs to be determined by more than just the bottom line cost. These are some questions your agent should answer.

Auto insurance specifics

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for immediate expenses such as doctor visits, EMT expenses and surgery. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) - Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, hitting a deer, damage from getting keyed, damage from flooding and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle's damage.

Since many Alabama drivers carry very low liability coverage limits (which is 25/50/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liability limits.

Collision coverages - This covers damage to your Edge caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your Edge in order to get cheaper collision rates.

Auto liability - This protects you from damages or injuries you inflict on other's property or people. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like legal defense fees, medical expenses, loss of income and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. Alabama requires drivers to carry at least 25/50/25 but you should think about purchasing higher limits.

Quote often and quote early

Cheaper Ford Edge insurance in Birmingham can be purchased both online as well as from insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide online rate quotes and these regional carriers only sell through independent insurance agents.

In this article, we presented some good ideas how you can save on Ford Edge insurance in Birmingham. The most important thing to understand is the more companies you get prices for, the better likelihood of getting inexpensive Birmingham auto insurance quotes. You may even discover the biggest savings come from the smaller companies.

Consumers change insurance companies for many reasons like denial of a claim, policy non-renewal, delays in responding to claim requests or not issuing a premium refund. No matter why you want to switch, finding a new car insurance company is not as difficult as it may seem.

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