Best Quotes for Ford Edge Insurance in Las Vegas

If you want to save money, the best way to find discount auto insurance rates in Las Vegas is to start comparing prices yearly from different companies who sell insurance in Nevada. This can be done by following these guidelines.

Step 1: Spend some time learning about how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many rating criteria that result in higher rates such as speeding tickets, careless driving and a less-than-favorable credit history can be remedied by being financially responsible and driving safely. Read the full article for instructions to get cheaper rates and find available discounts that you may qualify for.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can provide prices from multiple insurance companies.

Step 3: Compare the price quotes to your existing rates to determine if you can save on Edge insurance. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.

An important bit of advice to remember is that you’ll want to compare the same amount of coverage on each quote and and to analyze as many different companies as possible. Doing this enables a level playing field and a complete price analysis.

Astonishing but true, almost 70% of insureds have bought car insurance from the same company for a minimum of four years, and roughly 40% of drivers have never compared rate quotes at all. Many drivers in Nevada could save approximately $550 a year by just comparing quotes, but they think it’s difficult to compare other rate quotes.

Compare quotes for Las Vegas Ford Edge insurance

Most major insurance companies give prices directly from their websites. The process is easy for anyone as you simply type in the amount of coverage you want on the page. When complete, their rating system gets reports for credit and driving violations and generates a price based on many factors. Using the web to get quotes for Ford Edge insurance in Las Vegas makes it a lot easier to compare rates and it is imperative to get many rate quotes if you want to find the cheapest price.

To compare pricing, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you type in the coverage information just like they are on your policy. Doing this guarantees you will have an apples-to-apples comparison using the same coverage and limits.

The companies shown below can provide quotes in Las Vegas, NV. If you wish to find cheaper car insurance in NV, it’s a good idea that you compare several of them to get a more complete price comparison.

Insurance in Nevada serves several purposes

Despite the fact that insurance is not cheap in Las Vegas, buying insurance is required by state law in Nevada and it also provides benefits you may not be aware of.

• Most states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to license the vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Edge has a lienholder, it’s most likely the lender will make it mandatory that you buy insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Ford for a lot more money and force you to pay the higher price.
• Insurance protects not only your vehicle but also your assets. It will also cover hospital and medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense in the event you are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Edge definitely exceed the cost, especially if you ever need it. But the average driver in Nevada overpays as much as $850 per year so it’s very important to do a rate comparison at every renewal to make sure the price is not too high.

Analysis of Ford Edge rates

The rate table displayed next highlights different insurance coverage prices for Ford Edge models. Being aware of how insurance premiums are formulated can be of help when making smart choices when choosing a car insurance company.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect rates considerably.

Deductible comparison

When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The premium rates below can help you understand the cost difference between high and low policy deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in garaging location in Las Vegas which can modify coverage prices noticeably.

Based on the figures above, using a $250 deductible would cost the average driver about $12 more each month or $144 each year averaged for all Edge models than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 21 months between claim filings, you would probably save some money if you decide on a higher deductible.

The diagram below shows how choosing a deductible and can impact Ford Edge insurance prices for different age groups. The prices are based on a single male driver, full coverage, and no policy discounts are applied.

Cheaper Las Vegas insurance rates with discounts

Insurance is not cheap nor is it fun to buy but you might already qualify for some discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time of purchase, but a few need to be specifically requested before you will receive the discount. If you don’t get every credit you qualify for, you could be saving more on your insurance.

• Multi-policy Discount – If you have multiple policies with one insurance company you may earn nearly 15% which can help you find affordable Ford Edge insurance rates in Las Vegas.
• Multiple Cars – Drivers who insure several vehicles on one policy could earn a price break for each car.
• Online Discount – Some of the larger companies will give a small break get Las Vegas auto insurance over the internet.
• Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
• Passenger Safety Discount – Factory options such as air bags may earn rate discounts of up to 25% or more.
• Low Miles Discount – Driving less could earn substantially lower rates.
• Early Payment Discounts – By making one initial payment rather than spreading payments over time you could save 5% or more.

As a disclaimer on discounts, most discounts do not apply to the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.

The chart below visualizes the comparison of Ford Edge insurance premiums with and without discounts. The rate quotes are based on a male driver, no claims, a clean driving record, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, homeowner, claim-free, and multi-policy discounts applied.

For a list of insurance companies with discount insurance rates in Nevada, click this link.

You are unique and your auto insurance should be too

When it comes to buying coverage online or from an agent, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that
Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

• What does UM/UIM cover?
• What vehicles should carry emergency assistance coverage?
• Why do I have to buy liability insurance?
• Are there any extra discounts I can get?
• Is my nanny covered when driving my vehicle?
• Is business equipment covered while in my vehicle?
• Are my custom wheels covered?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• When should I not file a claim?
• If my Ford Edge is totaled, can I afford another vehicle?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.