Insurance for Ford EdgeAre you sick and tired of sacrificing other expenses to keep your car insured? Your situation is no different than most other vehicle owners in Kansas.

Amazingly, a recent NerdWallet.com study showed that a large majority of consumers kept buying from the same company for a minimum of four years, and 38% of drivers have never compared rates with other companies. The average driver in Overland Park can save hundreds of dollars each year just by shopping around, but they underestimate how much they could save if they switch to a new company.

Since you have so many options when it comes to insurance, it can be hard to locate the cheapest insurer.

You should make it a habit to shop coverage around on a regular basis due to the fact that insurance prices change quite often. If you had the best rates on Ford Edge insurance in Overland Park a few years ago there is a good chance you can find better premium rates now. You can find a lot of wrong information about Edge insurance online, but in this article, you're going to get some good information on how to lower your insurance premiums.

The are a couple different ways to compare prices from companies that offer auto insurance in Kansas. The easiest way to compare rates is to get quotes online.

Doing online rate quotes comparisons is so easy that it takes the place of having to call or drive to different Overland Park agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional guidance of a local Overland Park agent. If you prefer, some companies allow you to get the lowest quotes online but purchase the actual policy in an agency.

Just keep in mind that quoting more helps increase your odds of locating a lower rate.

The companies shown below are ready to provide free quotes in Kansas. If multiple providers are shown, it's highly recommended you visit two to three different companies to get the lowest price.

Ford Edge Insurance Estimates in Overland Park, KS
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $214 $366 $286 $16 $86 $968 $81
Edge SE AWD $184 $436 $300 $18 $90 $1,028 $86
Edge SEL 2WD $192 $372 $286 $16 $86 $952 $79
Edge Limited 2WD $134 $294 $300 $18 $90 $836 $70
Edge SEL AWD $208 $436 $292 $18 $88 $1,042 $87
Edge Limited AWD $170 $364 $270 $16 $80 $900 $75
Edge Sport 2WD $154 $348 $324 $20 $96 $942 $79
Edge Sport AWD $154 $366 $324 $20 $96 $960 $80
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in specific location which can influence insurance rates substantially.

Rate comparison of full coverage and liability-only

The example below shows the comparison of Ford Edge car insurance costs with and without full coverage. The data is based on a clean driving record, no claims, $1,000 deductibles, married male driver, and no discounts are applied to the premium.

When to stop paying for full coverage

There isn't a steadfast formula to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let's assume your Ford Edge book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after paying your policy deductible. If you are paying more than $800 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where dropping full coverage is not in your best interest. If you haven't paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Insurance policy discounts for Ford Edge insurance in Overland Park

Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few must be asked for in order for you to get them.Discount insurance

Remember that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, that's just not realistic.

A few popular companies and some of their more popular discounts can be read below.

Double check with every company how you can save money. Discounts might not apply everywhere. To find companies with discount rates in Overland Park, click this link.

Auto insurance is available from your local insurance agencies

Many people prefer to have an agent's advice and that is a smart decision One of the great benefits of getting free rate quotes online is you may find cheap auto insurance rates but still work with a licensed agent.

To help locate an agent, after submitting this form (opens in new window), the coverage information is transmitted to companies in Overland Park that provide free Overland Park auto insurance quotes for your business. It simplifies rate comparisons since you won't have to search for any insurance agencies since rate quotes are delivered to your email. It's the lowest rates AND a local agent. In the event you want to get a rate quote from one company in particular, you can always go to their quote page and fill out their quote form.

Picking an provider needs to be determined by more than just a cheap quote. The following questions are important to ask.

Auto insurance can be complex

When it comes to the best auto insurance coverage, there isn't really a best way to insure your cars. You are unique and your auto insurance should unique, too.Higher deductibles save money Here are some questions about coverages that might point out if your situation would benefit from an agent's advice.

If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Protect your vehicle and other assets

Even though it can be expensive, insurance serves several important purposes.

The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays as much as $825 a year so compare quotes from several companies at every renewal to save money.

Car insurance coverage options for a Ford Edge

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like rehabilitation expenses, pain medications and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, theft, falling objects, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, driving through your garage door, scraping a guard rail, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible on your Edge to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford Edge.

Since many Kansas drivers carry very low liability coverage limits (Kansas limits are 25/50/10), 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.

Liability auto insurance

This will cover damages or injuries you inflict on other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/10 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $10,000.

Liability can pay for things such as court costs, funeral expenses, bail bonds and repair bills for other people's vehicles. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford. Kansas state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy higher limits.

Smart shoppers get results

Lower-priced Ford Edge insurance in Overland Park can be found online and from local agencies, and you should compare rates from both so you have a total pricing picture. A few companies do not offer rate quotes online and these smaller companies only sell coverage through local independent agencies.

When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. There have been many cases where an insured cut collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Much more information about car insurance in Kansas can be found on the following sites: