How to Compare Fort Worth Ford Edge Insurance

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Discount Ford Edge insuranceDo you want more competitive insurance rates in Fort Worth, TX? Fort Worth shoppers have a choice when shopping for the lowest priced Ford Edge insurance. They can either waste time contacting agents to get rate comparisons or use the internet to find the lowest rates. There is a right way and a wrong way to compare insurance rates and we'll show you the quickest way to price shop coverage for your Ford and find the best price possible.

It's a good idea to take a look at other company's rates quite often due to the fact that insurance rates change frequently. Even if you think you had the best rate on Ford Edge insurance in Fort Worth a couple years back there may be better deals available now. Ignore everything you know about insurance because I'm going to let you in on the secrets to one of the best ways to find better coverage on Ford Edge insurance in Fort Worth at a better price.

If you already have coverage or want to find a cheaper company, follow these tips to lower your rates while maintaining coverages. We hope to teach you a little about how to get online quotes and some money-saving tips. Consumers just need to know the fastest way to quote multiple rates online from multiple companies.

Getting a cheaper price on Ford Edge insurance is not rocket science. All you need to do is invest a few minutes comparing free Fort Worth auto insurance quotes online from several insurance companies.

The companies in the list below offer price comparisons in Texas. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.

Ford Edge insurance charts and tables

The rate information below highlights different insurance policy prices for Ford Edge models. Having knowledge of how insurance rates are figured is important for you to make decisions when shopping your coverage around.

Ford Edge Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $144 $236 $392 $24 $118 $914 $76
Edge SE AWD $144 $288 $392 $24 $118 $966 $81
Edge SEL 2WD $144 $288 $392 $24 $118 $966 $81
Edge Limited 2WD $144 $288 $392 $24 $118 $966 $81
Edge SEL AWD $144 $288 $392 $24 $118 $966 $81
Edge Limited AWD $166 $338 $392 $24 $118 $1,038 $87
Edge Sport 2WD $166 $338 $392 $24 $118 $1,038 $87
Edge Sport AWD $166 $338 $392 $24 $118 $1,038 $87
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in vehicle location which can impact price quotes considerably.

Policy deductible comparison

One frequently asked question is how high or low should comp and collision deductibles be. The figures shown below may aid in understanding the rate fluctuation when you choose different insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Ford Edge insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $256 $408 $382 $22 $114 $1,207 $101
Edge SE AWD $256 $496 $382 $22 $114 $1,295 $108
Edge SEL 2WD $256 $496 $382 $22 $114 $1,295 $108
Edge Limited 2WD $256 $496 $382 $22 $114 $1,295 $108
Edge SEL AWD $256 $496 $382 $22 $114 $1,295 $108
Edge Limited AWD $294 $584 $382 $22 $114 $1,421 $118
Edge Sport 2WD $294 $584 $382 $22 $114 $1,421 $118
Edge Sport AWD $294 $584 $382 $22 $114 $1,421 $118
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Ford Edge insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $208 $328 $382 $22 $114 $1,054 $88
Edge SE AWD $208 $400 $382 $22 $114 $1,126 $94
Edge SEL 2WD $208 $400 $382 $22 $114 $1,126 $94
Edge Limited 2WD $208 $400 $382 $22 $114 $1,126 $94
Edge SEL AWD $208 $400 $382 $22 $114 $1,126 $94
Edge Limited AWD $240 $472 $382 $22 $114 $1,230 $103
Edge Sport 2WD $240 $472 $382 $22 $114 $1,230 $103
Edge Sport AWD $240 $472 $382 $22 $114 $1,230 $103
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in Fort Worth location which can decrease or increase coverage rates greatly.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $14 more each month or $168 a year across all Ford Edge models than opting for the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average at least 18 months between claim filings, you would probably be better off if you elect the higher deductible.

Comparison of full coverage and liability-only policies

The information below shows the comparison of Ford Edge insurance costs with full physical damage coverage compared to only buying liability only. The prices are based on no violations or accidents, $250 deductibles, marital status is single, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no clear-cut formula of when to phase out comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's say your Ford Edge claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,000 after the deductible is paid. If premium cost is more than $500 a year for physical damage coverage, then you might consider buying liability only.

There are some conditions where buying only liability insurance is not advised. If you haven't satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Auto insurance is available from agents near you

Some people still like to sit down with an agent and often times that is recommended Experienced insurance agents can answer important questions and help file insurance claims. The best thing about comparing insurance prices online is that you can find lower car insurance rates and also buy local.

Once you complete this short form, your coverage information is sent to agents in your area who can give free rate quotes for your coverage. There is no need to search for any insurance agencies because quoted prices will be sent instantly to you. In the event you want to quote rates from one company in particular, you would need to jump over to their website and complete a quote there.

Finding the right insurer needs to be determined by more than just the premium amount. You should also get answers to these questions.

  • What is the financial rating for the quoted company?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Does the agent have a valid license to sell insurance in Texas?
  • Which insurance company do they prefer to write with?
  • How often do they review policy coverages?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • Are they able to influence company decisions when a claim is filed?

If you want a local insurance agency, you should know the types of insurance agents and how they operate. Agents can be categorized as either independent or exclusive depending on the company they work for. Either one can handle auto insurance, but it's a good idea to understand the difference in how they write coverage since it can affect your agent selection.

Exclusive Insurance Agents

These agents can only place business with one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to provide prices from multiple companies so keep that in mind. They receive extensive training on their company's products which helps them compete with independent agents. Many people buy insurance from these agents primarily because of high brand loyalty and the convenience of having all coverages with one company.

Below is a list of exclusive agencies in Fort Worth that can give you rate quotes.

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Independent Insurance Agents

Agents of this type are normally appointed by many insurers so they can quote policies through lots of different companies and get you the best rates possible. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency.

If you are comparing auto insurance prices, you will definitely want to include price quotes from several independent insurance agents to get the best comparison. They often place coverage with lesser-known insurance companies which can save you money.

Listed below are Fort Worth independent insurance agents who can help you get price quote information.

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