Ford Edge Insurance Quotes in Virginia Beach

Want to learn how to save money and find more affordable car insurance rates in Virginia Beach, VA? Virginia Beach shoppers have many options when shopping for the best price on Ford Edge insurance. You can either waste hours calling around to compare prices or utilize the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance and we’ll show you the proper way to quote coverages for your Ford and obtain the cheapest rates.

You should make it a habit to quote other rates periodically since prices trend upward over time. Even if you think you had the best deal on Ford Edge insurance in Virginia Beach a year ago you will most likely find a better premium rate today. Ignore everything you know about car insurance because you’re about to find out how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Finding a better price on auto insurance isn’t really that difficult. All you need to do is take the time comparing rates provided by online insurance companies.

The companies in the list below offer price comparisons in Virginia Beach, VA. If you want to find the best cheap car insurance in VA, we suggest you compare several of them to get the best price comparison.

Don’t neglect these ten discounts on Ford Edge insurance in Virginia Beach

Insuring your vehicles can cost a lot, but you can get discounts that can dramatically reduce your bill. Most are applied at quote time, but occasionally some discounts must be asked about before they will apply.

• Safety Course Discount – Participating in a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
• Driving Data Discount – Virginia Beach drivers who agree to allow companies to analyze driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.
• Senior Citizen Discount – If you’re over the age of 55, you may be able to get a discount up to 10%.
• Anti-theft System – Cars and trucks with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Virginia Beach auto insurance quote.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less compared to accident prone drivers.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
• Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may get savings as much as 30%.
• Discount for Low Mileage – Maintaining low annual mileage can earn cheaper auto insurance rates.
• Membership in Organizations – Participating in a civic or occupational organization in Virginia Beach is a good way to get lower rates on your next renewal.
• Sign Early and Save – Select auto insurance companies give a discount for buying a policy before your current Edge insurance policy expires. You could save around 10% when you buy Virginia Beach auto insurance online.

Don’t be shocked that most credits do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

The chart below shows the difference between Ford Edge yearly insurance costs with and without discounts. The premiums assume a female driver, no claims or driving citations, Virginia 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 multi-policy, homeowner, safe-driver, marriage, multi-car, and claim-free discounts applied.

A list of companies and a partial list of their discounts can be found below.

• AAA has savings for anti-theft, pay-in-full, AAA membership discount, multi-policy, multi-car, good student, and good driver.
• Progressive policyholders can earn discounts including online quote discount, good student, homeowner, continuous coverage, and multi-vehicle.
• State Farm offers discounts including defensive driving training, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, and good student.
• Esurance discounts include anti-lock brakes, online quote, safety device, DriveSense, good student, paid-in-full, and anti-theft.
• Nationwide may have discounts that include defensive driving, business or organization, anti-theft, multi-policy, and accident-free.

Check with every company the best way to save money. A few discounts might not be offered on policies everywhere. To locate providers with discount auto insurance rates in Virginia Beach, follow this link.

Insurance statistics and figures

The rate information shown next outlines estimates of policy rates for Ford Edge models. Being able to understand how insurance prices are established can assist in making smart choices when buying a policy.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location information which can revise rates noticeably.

Comparison of policy deductibles

When comparing insurance rates, the most common question is how high or low should comp and collision deductibles be. The premium rates below sum up the rate difference between high and low coverage deductibles. The first set of prices uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in vehicle garaging location which can increase or decrease premium rates significantly.

Based on these figures, using a $100 deductible costs roughly $18 more each month or $216 a year across all Ford Edge models than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 22 months between claim filings, you would save more money if you opt for a higher deductible. Below is a better example of how this calculation is made.

One important issue to know is that raising deductibles to save money means you will have to cover more of the damage yourself at claim time. You need to make sure you have enough extra savings in the event you need to pay more for the deductible.

Rate comparison of men versus women

The chart below compares Ford Edge yearly insurance costs for male and female drivers. The data is based on no claims or violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Ford Edge liability-only versus full coverage

The diagram below visualizes the comparison of Ford Edge yearly insurance costs with full coverage compared to only the Virginia minimum liability coverage. The price estimates are based on no claims or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no exact rule of when to drop physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Ford Edge claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $8,000 after the policy deductible has been paid. If it’s costing you more than $800 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full 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.

When should I get advice from a local insurance agent?

Certain consumers prefer to buy from a local agent and that is recommended in a lot of cases Licensed agents are very good at helping people manage risk and help submit paperwork. A nice benefit of comparing rate quotes online is that drivers can save money and get cheaper auto insurance rates and still buy from a local agent.

To find an agent, once you fill out this form (opens in new window), the quote information gets sent to participating agents in Virginia Beach who will gladly provide quotes for your car insurance coverage. There is no need to find an agent since rate quotes are delivered immediately to you. If you wish to quote rates from a specific company, you would need to search and find their rate quote page and submit a quote form there.

Deciding on an insurance company requires you to look at more than just a cheap quote. These are some questions you should get answers to.

• Is coverage determined by price?
• Are they full-time agents?
• Which companies do they recommend if they are an independent agency?
• What companies can they write with?
• Is the agency covered by Errors and Omissions coverage?
• Can glass repairs be made at your home?

Below are Virginia Beach car insurance companies that can give you price quotes for Ford Edge insurance in Virginia Beach.

• WBR Insurance
  3213 Virginia Beach Blvd – Virginia Beach, VA 23452 – (757) 340-0028 – View Map
• Nationwide Insurance: Matthew Clifton Roenker Agency
  4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111 – View Map
• Ken Crowder – State Farm Insurance Agent
  5802 E Virginia Beach Blvd #128 – Norfolk, VA 23502 – (757) 461-2027 – View Map
• Tim Johnson – State Farm Insurance Agent
  700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550 – View Map

View more agents

Once you have received reasonable responses to your questions and an affordable coverage quote, you’ve probably found an insurance company that can be relied on to insure your vehicles.

How much car insurance do I need?

When choosing a policy for your vehicles, there is no best way to insure your cars. Your needs are unique to you so this has to be addressed.
Here are some questions about coverages that might help in determining if you could use an agent’s help.

• Do I need replacement cost coverage?
• Do I really need UM/UIM coverage?
• Is my teen driver covered when they drive my company car?
• What should my uninsured motorist coverage limits be in Virginia?
• What does medical payments cover?
• Do they offer discounts for home and auto coverage?
• When should my teen driver be added to my policy?
• Is motorclub coverage worth it?
• How can I find cheaper teen driver insurance?
• Does rental coverage apply when I am renting a car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverage details

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by auto insurance companies.

Coverage for collisions

Collision insurance covers damage to your Edge resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Edge to bring the cost down.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

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. You might see limits of 25/50/20 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $20,000 paid for damaged property.

Liability can pay for things like repair costs for stationary objects, pain and suffering, legal defense fees, funeral expenses and bail bonds. How much liability should you purchase? That is your choice, but you should buy as much as you can afford. Virginia requires minimum liability limits of 25/50/20 but you should think about purchasing better liability coverage.

The chart below shows why buying low liability limits may not provide adequate coverage.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Edge.

Since many Virginia drivers only purchase the least amount of liability that is required (which is 25/50/20), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, EMT expenses, nursing services, pain medications and X-ray expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Don’t give up on affordable rates

When you buy Virginia Beach auto insurance online, don’t be tempted to reduce coverage to reduce premium. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret that it was a big mistake. Your goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented some good ideas how to find affordable Ford Edge insurance in Virginia Beach. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the lowest rates come from a smaller regional carrier. These smaller insurers may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

How to find cheaper rates for Ford Edge insurance in Virginia Beach

It takes a little time, but the best way to save money on auto insurance rates in Virginia Beach is to regularly compare quotes from different companies in Virginia.

Step 1: Get an understanding of how insurance works and the changes you can make to lower rates. Many rating criteria that result in higher prices like getting speeding tickets and a low credit score can be improved by making small lifestyle or driving habit changes.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple sources.

Step 3: Compare the new rates to the price on your current policy and see if you can save money. If you can save money, make sure there is no coverage gap between policies.

Step 4: Give notification to your agent or company to cancel your current auto insurance policy. Submit the completed application along with a down payment to your new company or agent. Once coverage is bound, place your new proof of insurance certificate in your vehicle’s glove compartment or console.

One thing to point out is that you use identical coverage information on every quote and and to get price quotes from as many different companies as possible. Doing this ensures a fair price comparison and many rates to choose from.

More detailed auto insurance information is available by following these links:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• What Car Insurance is Cheapest for a Toyota Highlander in Virginia Beach? (FAQ)
• Who Has the Cheapest Auto Insurance for Uninsured Drivers in Virginia Beach? (FAQ)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Insurance Basics (Insurance Information Institute)