Insurance quote for Ford Edge in BismarckHow many times have you said it's time to compare more affordable insurance rates in Bismarck, ND? Bismarck buyers have lots of choices when searching for the best price on Ford Edge insurance. They can either waste time calling around trying to get quotes or save time using the internet to find the lowest rates.

There is a better way to compare insurance rates so we're going to tell you the proper way to get price quotes for your Ford and locate the best price possible from Bismarck insurance agents and online providers.

It's a good idea to price shop coverage quite often because insurance rates change regularly. Despite the fact that you may have had the lowest premium rates on Ford Edge insurance in Bismarck last year you can probably find a better price now. There is a lot of wrong information about Edge insurance online but by reading this article, you're going to learn some great ways to lower your insurance rates in Bismarck.

Cheapest Ford insurance prices in Bismarck

The companies shown below have been selected to offer free rate quotes in North Dakota. If multiple companies are listed, we suggest you visit two to three different companies in order to find the cheapest rates.

Ford Edge Insurance Price Estimates in Bismarck, ND
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $128 $216 $284 $16 $86 $730 $61
Edge SE AWD $96 $206 $284 $16 $86 $688 $57
Edge SEL 2WD $188 $318 $396 $24 $118 $1,044 $87
Edge Limited 2WD $222 $542 $366 $22 $110 $1,262 $105
Edge SEL AWD $162 $366 $366 $22 $110 $1,026 $86
Edge Limited AWD $212 $460 $408 $24 $122 $1,226 $102
Edge Sport 2WD $298 $554 $396 $24 $118 $1,390 $116
Edge Sport AWD $200 $460 $284 $16 $86 $1,046 $87
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in vehicle garaging location which can revise price quotes significantly.

Rate increases following a ticket or accident

The information below shows how traffic citations and at-fault collisions can impact Ford Edge premium costs for different age groups of insureds. The premium estimates are based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

An analysis of deductible level

One of the most common auto insurance questions is how high should the deductibles for physical damage be. The rates shown below illustrate the differences in price when you select higher and lower policy deductibles. The first rate table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Ford Edge insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $228 $386 $302 $18 $90 $1,049 $87
Edge SE AWD $228 $470 $302 $18 $90 $1,133 $94
Edge SEL 2WD $228 $470 $302 $18 $90 $1,133 $94
Edge Limited 2WD $228 $470 $302 $18 $90 $1,133 $94
Edge SEL AWD $228 $470 $302 $18 $90 $1,133 $94
Edge Limited AWD $260 $554 $302 $18 $90 $1,249 $104
Edge Sport 2WD $260 $554 $302 $18 $90 $1,249 $104
Edge Sport AWD $260 $554 $302 $18 $90 $1,249 $104
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Ford Edge insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $166 $262 $302 $18 $90 $838 $70
Edge SE AWD $166 $318 $302 $18 $90 $894 $75
Edge SEL 2WD $166 $318 $302 $18 $90 $894 $75
Edge Limited 2WD $166 $318 $302 $18 $90 $894 $75
Edge SEL AWD $166 $318 $302 $18 $90 $894 $75
Edge Limited AWD $190 $374 $302 $18 $90 $974 $81
Edge Sport 2WD $190 $374 $302 $18 $90 $974 $81
Edge Sport AWD $190 $374 $302 $18 $90 $974 $81
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Dakota minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific Bismarck garaging location which can lower or raise insurance rates significantly.

We can estimate from the data above that using a $100 deductible costs roughly $20 more each month or $240 for a full year than choosing the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 20 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $97
Average monthly premium for $500 deductibles (subtract): - $77
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

An important thing to remember is that higher deductibles results in a higher out-of-pocket expense if you have a claim. You need to have enough money stashed away in order to pay more to get your vehicle repaired.

Lower rates by qualifying for these ten discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that you may not even know about. Certain discounts will be applied when you get a quote, but a few need to be asked for before they will apply. If you check and find you aren't receiving every discount you qualify for, you could be getting lower rates.Insurance discounts

Just know that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

To view providers who offer cheap Ford Edge insurance quotes in Bismarck in North Dakota, click this link.

Do drivers who switch really save?

North Dakota drivers get pounded daily by advertisements for the lowest price car insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the companies have a common claim of big savings if you change your car insurance policy to them.

That's great but how can every company charge you a lower premium? You have to listen carefully.

All the different companies have a preferred profile for the type of driver that earns them the most money. An example of this type of risk profile might be married and over the age of 30, has few claims, and drives a vehicle with a low ISO rating. Any driver who meets those qualifications is entitled to the best price and therefore will save when they switch companies.

Consumers who do not meet the requirements will be charged higher rates and the customer buying from a different company. Company advertisements say "customers that switch" not "everyone who quotes" will save that much if they switch. This is how insurance companies can confidently lure you into getting a quote.

Because of these techniques, drivers should compare rate quotes every year. Because you never know which car insurance company will have the best rates at this point in time.

Parts of your insurance policy

Understanding the coverages of insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn't cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as repair bills for other people's vehicles, loss of income, bail bonds and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible. North Dakota requires minimum liability limits of 25/50/25 but drivers should carry better liability coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Edge.

Since many North Dakota drivers carry very low liability coverage limits (25/50/25 in North Dakota), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Coverage for collisions

This coverage will pay to fix damage to your Edge from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, crashing into a building, scraping a guard rail, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible on your Edge to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills for things like pain medications, EMT expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Quote often and quote early

Discount Ford Edge insurance in Bismarck can be purchased both online and also from your neighborhood Bismarck agents, so you need to shop Bismarck auto insurance with both to have the best rate selection. Some insurance providers do not offer rate quotes online and many times these small, regional companies only sell coverage through local independent agencies.

People switch companies for a number of reasons such as lack of trust in their agent, high prices, not issuing a premium refund or policy cancellation. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, it's not a good idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

More information is available at the links below