Would you prefer to buy lower-priced Ford Edge insurance in Dallas? If online auto insurance comparisons are new to you, it's easy to get baffled thanks to the incredible selection insurance agents and companies that all promise the best rates for Ford Edge insurance in Dallas.

Insurance for Ford EdgeIt's amazing but the vast majority of auto insurance customers have bought auto insurance from the same company for at least the last four years, and approximately 40% of consumers have never quoted rates to find cheap coverage. Many drivers in Dallas could save as much as $1,766 every year by just comparing quotes, but they don't believe the large savings they would see if they switch to a new company.

It is always a good idea to get comparison quotes quite often because insurance prices change regularly. Despite the fact that you may have had the lowest price on Ford Edge insurance in Dallas at your last renewal a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because you're about to find out how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

The quickest way to get rate comparisons for Ford Edge insurance in Dallas takes advantage of the fact car insurance companies will pay a fee to give free rates quotes. To begin a comparison, all you need to do is provide information including driver ages, your credit rating estimate, any included safety features, and if the car is leased. Your information gets sent immediately to insurance carriers in your area and they return rate quotes instantly.

To find lower cheap Ford Edge insurance rates now, click here and enter your coverage details.

The companies shown below offer comparison quotes in Texas. If your goal is to find the cheapest car insurance in Texas, it's a good idea that you click on several of them to get the most competitive price.

Ford Edge Insurance Price Estimates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $248 $400 $388 $24 $116 $1,176 $98
Edge SE AWD $180 $312 $500 $30 $150 $1,172 $98
Edge SEL 2WD $122 $260 $358 $22 $108 $870 $73
Edge Limited 2WD $256 $496 $382 $22 $114 $1,270 $106
Edge SEL AWD $274 $670 $496 $30 $148 $1,618 $135
Edge Limited AWD $314 $788 $496 $30 $148 $1,776 $148
Edge Sport 2WD $336 $584 $500 $30 $150 $1,600 $133
Edge Sport AWD $176 $360 $388 $24 $116 $1,064 $89
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate quotes do not factor in vehicle garaging location which can alter prices noticeably.

Impact of violations and accidents on rates in Dallas

The example below demonstrates how citations and accident claims can affect Ford Edge car insurance costs for different age groups of insureds. The premiums assume a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

Gender-based auto insurance premiums

The chart below shows the comparison of Ford Edge car insurance rates for male and female drivers. The rates are based on no violations or accidents, full coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Rate comparison for different deductibles

When buying auto insurance, a common question is how low should you set your deductibles. The data tables below help summarize the differences in price when you choose different coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Ford Edge insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $256 $408 $382 $22 $114 $1,207 $101
Edge SE AWD $256 $496 $382 $22 $114 $1,295 $108
Edge SEL 2WD $256 $496 $382 $22 $114 $1,295 $108
Edge Limited 2WD $256 $496 $382 $22 $114 $1,295 $108
Edge SEL AWD $256 $496 $382 $22 $114 $1,295 $108
Edge Limited AWD $294 $584 $382 $22 $114 $1,421 $118
Edge Sport 2WD $294 $584 $382 $22 $114 $1,421 $118
Edge Sport AWD $294 $584 $382 $22 $114 $1,421 $118
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Ford Edge insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $208 $328 $382 $22 $114 $1,054 $88
Edge SE AWD $208 $400 $382 $22 $114 $1,126 $94
Edge SEL 2WD $208 $400 $382 $22 $114 $1,126 $94
Edge Limited 2WD $208 $400 $382 $22 $114 $1,126 $94
Edge SEL AWD $208 $400 $382 $22 $114 $1,126 $94
Edge Limited AWD $240 $472 $382 $22 $114 $1,230 $103
Edge Sport 2WD $240 $472 $382 $22 $114 $1,230 $103
Edge Sport AWD $240 $472 $382 $22 $114 $1,230 $103
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in Dallas location which can affect prices significantly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $14 more each month or $168 for a full year than choosing the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 18 months between claim filings, you would probably save some money if you decide on a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $111
Average monthly premium for $500 deductibles (subtract): - $97
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to note is that higher deductibles means you will have to pay more out-of-pocket when you have to file a claim. You need to make sure you have some savings in order to pay more to get your vehicle repaired.

Lower your insurance rates with discounts

Companies that sell car insurance don't always publicize their entire list of discounts very well, so we researched some of the more common and also the lesser-known savings tricks you should be using when you buy Dallas car insurance online.Discount insurance

You should keep in mind that some credits don't apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, you won't be that lucky.

Larger insurance companies and some of the discounts can be read below.

Check with each insurance company the best way to save money. Some of the discounts discussed earlier may not be offered in every state. If you would like to view insurance companies that offer the discounts shown above in Dallas, click this link.

Local insurance agents

Many people still like to visit with an insurance agent and that is a smart decision One of the benefits of comparing rates online is you can get the lowest rates and still have a local agent. Buying insurance from local agencies is important particularly in Dallas.

By using this form (opens in new window), the quote information is emailed to insurance agents in Dallas who will return price quotes to get your business. It's much easier because you don't need to contact any agents as quotes are delivered to the email address you provide. You can get cheaper insurance rates and a licensed agent to talk to. In the event you want to get a price quote from a specific insurance company, you would need to jump over to their website and complete a quote there.

How to choose the best car insurance agent in Dallas

If you need to find an insurance agent, you must know there are a couple types of agencies and how they differ in how they quote coverages. Insurance agencies in Dallas can either be independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Agents of this type do not sell for just one brand so they can quote policies through many companies and find the cheapest insurance rates. If they find a lower price, your policy is moved internally and you don't have to switch agencies.

If you are trying to find cheaper rates, you absolutely need to check rates from at least one independent agent so that you have a good selection of quotes to compare. Many can place coverage with small mutual carriers which can be an advantage.

Below is a small list of independent agencies in Dallas that may be able to provide free insurance rate quotes.

More insurance agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company such as AAA, State Farm, Farmers Insurance, and Allstate. They are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which helps offset the inability to provide other markets. Some people will only buy from exclusive agents mostly because of the brand name and solid financial strength.

Below are exclusive agents in Dallas that are able to give price quotes.

More insurance agents

Finding a good insurance agency shouldn't rely on just the bottom line cost. Agents should be asked these questions:

How to Lower Your Insurance Prices

Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, although others are more obscure like your vehicle usage and annual miles driven.

The following are some of the things companies use to determine prices.

Insurance is not optional

Despite the fact that insurance is not cheap in Dallas, maintaining insurance is required by state law in Texas and it also provides benefits you may not be aware of.

The benefits of insuring your car are without a doubt worth the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $869 every year so compare quotes from several companies at least once a year to ensure rates are competitive.

Don't give up on cheap rates

We just showed you a lot of techniques to find cheaper Ford Edge insurance in Dallas. The most important thing to understand is the more times you quote, the higher your chance of finding affordable Dallas car insurance quotes. Drivers may even discover the biggest savings come from some of the lesser-known companies.

Some insurance companies don't offer the ability to get quotes online and most of the time these small, regional companies work with local independent agents. Cheaper Ford Edge insurance in Dallas is definitely available from both online companies and also from your neighborhood Dallas agents, and you should compare price quotes from both in order to have the best price selection to choose from.

As you go through the steps to switch your coverage, it's very important that you do not buy poor coverage just to save money. In too many instances, someone dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

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