Best Columbus Ford Edge Insurance

It’s hard to believe, but the majority of drivers have been with the same company for four years or more, and almost 40% of drivers have never compared rates to find cheap insurance. Most drivers in Columbus can save hundreds of dollars each year by just comparing rate quotes, but they don’t invest the time required to find cheap insurance by shopping around.

The best way we recommend to find cheaper auto insurance rates in Columbus is to compare prices at least once a year from different companies that sell auto insurance in Ohio.

1. Read and learn about coverages and the things you can control to keep rates down. Many rating factors that result in higher rates such as at-fault accidents and a negative credit history can be rectified by improving your driving habits or financial responsibility.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while independent agents can provide prices from multiple sources. View companies
3. Compare the new rate quotes to your existing rates and determine if cheaper Edge coverage is available. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.
4. Notify your current company of your decision to cancel your existing policy and submit a down payment along with a signed application to the new company. As soon as coverage is bound, place your new certificate verifying coverage in your vehicle’s glove compartment or console.

A valuable tip to remember is to use similar limits and deductibles on each quote and and to get price quotes from as many companies as feasibly possible. This provides a fair price comparison and a thorough price selection.

If you are already insured or are looking for a new policy, you can use this information to get lower rates and still get good coverage. Finding the cheapest auto insurance coverage in Columbus is not that difficult. Drivers just need to know the proper methods to shop their coverage around on the web.

The providers in the list below have been selected to offer price quotes in Ohio. If more than one company is shown, we suggest you visit as many as you can to get the cheapest price.

Insurance coverage details

The coverage information shown below covers a range of coverage costs for Ford Edge models. Being able to understand how insurance rates are established is important to be able to make smart choices when selecting a policy.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific location which can change premium rates noticeably.

Deductible analysis

When shopping for car insurance, a common question is how high should the physical damage coverage deductibles be. The following insurance rates help summarize the differences in price when you choose different physical damage deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in vehicle garaging location which can revise premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $23 more each month or $276 a year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 39 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

Gender-based car insurance rates by age in Columbus

The illustration below illustrates the difference between Ford Edge premium costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Should you buy full coverage?

The diagram below compares Ford Edge annual premium costs with full coverage and liability only. The premiums assume no accidents, no driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.

When to stop paying for full coverage

There is no set guideline of when to exclude comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Ford Edge book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying your policy deductible. If you are paying more than $700 annually to have full coverage, then you might consider buying liability only.

There are some scenarios where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Save money on Ford Edge insurance in Columbus with these auto insurance discounts

Auto insurance is not inexpensive, but there could be available discounts to reduce the price significantly. Certain reductions will be credited when you complete an application, but a few need to be asked for before being credited.

• Onboard Data Collection – Insureds who allow their insurance company to monitor where and when they drive remotely such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they exhibit good driving behavior.
• Discount for Good Grades – This discount can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
• Service Members Pay Less – Having a family member in the military can result in better auto insurance rates.
• Policy Bundle Discount – If you combine your auto and homeowners policies with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will save you 10% or more on Edge insurance in Columbus.
• Senior Citizen Discount – If you’re over the age of 55, you are able to get a small decrease in premiums.

One thing to note about discounts is that most credits do not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

The example below illustrates the comparison of Ford Edge car insurance rates with and without policy discounts. The data assumes a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-car, safe-driver, and multi-policy discounts applied.

Companies and a selection of discounts are included below.

• Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, online signing, online quote discount, and good student.
• AAA discounts include AAA membership discount, multi-policy, good student, pay-in-full, and anti-theft.
• Farmers Insurance offers discounts for switch companies, teen driver, homeowner, electronic funds transfer, and early shopping.
• GEICO may offer discounts for military active duty, membership and employees, anti-lock brakes, federal employee, daytime running lights, and seat belt use.
• Esurance may have discounts that include renters, emergency road assistance, safety device, online quote, and multi-policy.
• SAFECO offers premium reductions for safe driver, multi-car, bundle discounts, teen safe driver, drive less, and anti-lock brakes.
• State Farm has discounts for safe vehicle, driver’s education, passive restraint, multiple policy, good student, and defensive driving training.

If you need lower rates, check with every prospective company to give you their best rates. Depending on the company, some discounts may not apply to policyholders in Columbus. For a list of insurers with significant discounts in Ohio, click here.

Car insurance does more than just repair your car

Despite the high insurance cost for a Ford Edge in Columbus, car insurance is mandatory in Ohio but it also protects more than you think.

First, the majority of states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a lienholder, most lenders will have a requirement that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Ford at a more expensive rate and force you to reimburse them the higher premium.

Third, insurance safeguards both your assets and your Ford. Insurance will pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance more than offset the price you pay, particularly if you ever have a claim. According to a 2015 survey, the average American driver overpays as much as $750 every year so it’s recommended you shop around each time the policy renews to ensure rates are competitive.

Do I need an insurance agency?

Many people just want to sit down with an agent and there is nothing wrong with that. Experienced insurance agents are highly skilled in risk management and help you file claims. The biggest benefit of comparing car insurance online is you can get cheap car insurance rates and still have an agent to talk to.

After completing this form (opens in new window), the coverage information is emailed to participating agents in Columbus who will give you quotes and help you find cheaper coverage. It’s much easier because you don’t need to visit any agencies as quotes are delivered directly to you. If you wish to get a comparison quote for a specific company, you can always go to their quote page and complete a quote there.

Deciding on an company requires more thought than just the quoted price. Before buying a policy in Columbus, get answers to these questions.

• If your car is in the repair shop, do you have coverage for a rental car?
• Do they have designations such as AIC, CPCU, or CIC?
• Is the agency active in community causes in Columbus?
• How much training do they have in personal risk management?
• Has the agent ever had any license suspensions?

Different types of car insurance agents in Columbus

When searching for a local Columbus insurance agent, it’s helpful to know the types of insurance agents that you can choose from. Columbus agents can be described as either exclusive or independent (non-exclusive). Both types of agents can insure your vehicles properly, but we need to point out how they are different because it may have an impact on which agent you choose.

Exclusive Insurance Agencies

Exclusive agents normally can only provide a single company’s rates like Allstate, Farmers Insurance or State Farm. They usually cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained in insurance sales which aids in selling service over price.

Listed below is a list of exclusive insurance agencies in Columbus who can help you get price quote information.

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Independent Insurance Agents

Agents that choose to be independent can sell policies from many different companies so they can insure your vehicles through many companies and find you the best rates. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When comparing rates, we recommend you get insurance quotes from independent agents to get the most accurate price comparison.

Shown below are independent agencies in Columbus willing to provide rate quotes.

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Once you have positive feedback as well as offering an affordable quote, it’s a good possibility that you have found an insurance agency that can be trusted to properly service your car insurance policy.