Affordable Quotes for Ford Edge Insurance in Corpus Christi

We don’t have to point out that fact that auto insurance companies want to keep you from comparing prices. Insureds who compare rates at least once a year are likely to buy a new policy because they have good chances of finding better rates. Remarkably, a study showed that people who shopped around annually saved an average of $3,400 over four years compared to those who don’t make a habit of comparing rates.

If finding budget-friendly rates on insurance is the reason you’re here, understanding how to choose a company and compare insurance coverage can help you succeed in finding affordable rates.

If you want to save the most money, the best way to find affordable auto insurance rates in Corpus Christi is to regularly compare prices from companies who provide car insurance in Texas. Rates can be compared by completing these steps.

• Step 1: Spend a few minutes and learn about how auto insurance works and the things you can control to prevent expensive coverage. Many rating factors that cause high rates such as at-fault accidents and a low credit score can be eliminated by paying attention to minor details. This article provides ideas to help reduce prices and get bigger discounts that may have been overlooked.
• Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
• Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate in Corpus Christi. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
• Step 4: Provide adequate notice to your current company of your intent to cancel your current car insurance policy and submit a completed policy application and payment to your new insurance company. Don’t forget to put the certificate verifying proof of insurance with your registration paperwork.

The most important part of shopping around is to make sure you enter similar deductibles and liability limits on each quote request and and to get rate quotes from as many companies as you can. Doing this guarantees an apples-to-apples comparison and many rates to choose from.

If you have a current insurance policy, you should be able to lower your rates using the concepts you’re about to learn. Getting quotes for the best-priced insurance coverage in Corpus Christi is not as confusing as people think. But Texas vehicle owners need to learn the way companies determine premium rates and use it to find better rates.

How to compare Corpus Christi Ford Edge insurance quotes

The are a couple different ways to compare prices from different Corpus Christi insurance companies. The best way to find affordable Ford Edge insurance rates involves getting comparison quotes online. Just keep in mind that comparing a large number of companies will increase your chances of finding lower pricing.

The providers in the list below have been selected to offer quotes in Corpus Christi, TX. If your goal is to find the best cheap car insurance in Corpus Christi, we suggest you visit as many as you can to get a more complete price comparison.

Lower-cost Ford Edge insurance rates in Corpus Christi

Auto insurance is neither fun to buy or cheap, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you are not receiving all the discounts available, you are not getting the best rate possible.

• Auto/Home Discount – If you have multiple policies with one company you could earn a discount of at least 10 to 15 percent or more.
• Discount for Good Grades – Getting good grades may save as much as 25% on a Corpus Christi car insurance quote. The discount lasts well after school through age 25.
• Government Employee Discount – Simply working for the federal government could provide a small rate reduction with select insurance companies.
• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
• Distant Student – College-age children who are enrolled in a college that is more than 100 miles from Corpus Christi without a vehicle on campus can be insured at a reduced rate.
• Driving Data Discount – Policyholders that allow their auto insurance company to scrutinize vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they show good driving skills.
• Save over 55 – Drivers that qualify as senior citizens can get better auto insurance rates.
• Drivers Education – Require your teen driver to enroll in driver’s education if it’s offered in school.
• No Accidents – Drivers who don’t have accidents pay less compared to insureds who have frequent claims or accidents.
• Accident Forgiveness – This one isn’t a discount, but some insurance companies will let one accident slide before they charge you more for coverage if you have no claims for a set time period.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will definitely lower the amount you have to pay.

The example below shows the comparison of Ford Edge auto insurance rates with and without discounts being applied to the rates. The data assumes a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, marriage, and homeowner discounts applied.

If you would like to view companies that offer many of these discounts in Texas, follow this link.

Facts and figures for Ford Edge insurance

The premium table displayed below highlights a range of insurance costs for Ford Edge models. Being aware of how insurance policy rates are calculated can help guide drivers when making decisions on which insurance to purchase.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can modify auto insurance rates substantially.

How high should deductibles be?

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The data tables below sum up the differences in premium rates when you select higher and lower coverage deductibles. The first data table uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Information does not factor in zip code location which can revise auto insurance rates substantially.

We can estimate from the data above that using a $250 deductible costs an average of $14 more each month or $168 every year averaged for all Edge models than requesting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 18 months between claim filings, you would probably come out ahead going with the higher deductible.

How accidents and violations affect rates in Corpus Christi

The example below highlights how speeding tickets and at-fault accidents can impact Ford Edge car insurance rates for each age group. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Full coverage rates vs. liability-only

The information below shows the difference between Ford Edge car insurance costs when comparing full coverage to liability only. The data assumes no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are applied to the premium.

When to drop comprehensive and collision

There is no definitive formula of when to drop full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s say your Ford Edge book value is $9,000 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 $8,000 after the policy deductible has been paid. If premium cost is more than $800 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some cases where only buying liability is not recommended. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Neighborhood insurance agents

A lot of people prefer to have an agent’s advice and that is OK! A good thing about comparing rate quotes online is you may find cheaper premium rates and still have an agent to talk to. Putting coverage with neighborhood agents is still important in Corpus Christi.

To help locate an agent, after submitting this quick form, the quote information is immediately sent to participating agents in Corpus Christi that give free quotes for your insurance coverage. You don’t have to do any legwork since rate quotes are delivered to you. You can find lower rates without a big time investment. If you wish to get a rate quote from a particular provider, don’t hesitate to go to their quote page to submit a rate quote request.

Deciding on an provider should include more criteria than just a cheap price quote. These are some valid questions you should ask.

• Will a damage claim use OEM or aftermarket replacement parts?
• Is there a local claims center in Corpus Christi?
• Do the companies they represent have a solid financial rating?
• Will one accident increase rates?
• Do they have cheaper tiers of coverage?
• Do they have designations such as AIC, CPCU, or CIC?
• What is the agency’s Better Business Bureau rating?

Car insurance coverage considerations

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Edge.

Since many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are set the same as your liability limits.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like pain medications, chiropractic care and nursing services. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, hitting a parking meter, backing into a parked car, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your Edge to bring the cost down.

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, falling objects and theft. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability – This protects you from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 30/60/25 that translate to a $30,000 limit per person for injuries, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but you should consider buying higher limits.

The chart below shows why minimum state limits may not be high enough to adequately cover claims.

Quote often and quote early

Cost effective Ford Edge insurance is available from both online companies and also from your neighborhood Corpus Christi agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not provide internet price quotes and many times these smaller companies only sell through local independent agents.

We just covered many ideas to save on Ford Edge insurance in Corpus Christi. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Drivers may even discover the best prices are with a lesser-known regional company.

Drivers switch companies for a variety of reasons including not issuing a premium refund, delays in paying claims, an unsatisfactory settlement offer and high prices. Regardless of your reason for switching companies, switching companies can be pretty painless.

Additional car insurance information is available on the following sites:

• Collision Coverage (Liberty Mutual)
• Who Has Cheap Corpus Christi Auto Insurance Rates for Welfare Recipients? (FAQ)
• How Much are Car Insurance Quotes for a Subaru Outback in Corpus Christi? (FAQ)
• Who Has Cheap Car Insurance for a Honda Accord in Corpus Christi? (FAQ)
• Auto Insurance Basics (Insurance Information Institute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)