How to Save on Ford Edge Insurance in Atlanta

Want more affordable Ford Edge insurance in Atlanta? Cutting costs on Ford Edge insurance in Atlanta is difficult for drivers who have little experience online insurance quotes. With so many insurers available, it can easily be a real difficult job to find the best coverage rates.

Insurance for Ford EdgeStatistics show that the vast majority of consumers kept their coverage with the same car insurance company for more than four years, and roughly 40% of drivers have never compared car insurance rates at all. Consumers in Georgia could save an average of as much as 60% each year, but they don’t know the actual amount they would save if they swap their current policy for a cheaper one.

It’s a great practice to shop coverage around once or twice a year because prices are variable and change quite frequently. Even if you think you had the lowest rate on Ford Edge insurance in Atlanta a year ago there is a good chance you can find better premium rates now. Forget all the misinformation about car insurance because you’re going to get a crash course in one of the quickest ways to save money, get proper coverage and the best rates.

Companies offering cheap Ford Edge rate quotes in Atlanta, GA

The auto insurance companies shown below are ready to provide price quotes in Georgia. If more than one company is shown, we recommend you compare several of them to get a more complete price comparison.

Ford Edge Insurance Cost Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $268 $462 $406 $24 $122 $1,282 $107
Edge SE AWD $186 $404 $444 $26 $134 $1,194 $100
Edge SEL 2WD $256 $502 $402 $24 $120 $1,304 $109
Edge Limited 2WD $140 $316 $444 $26 $134 $1,060 $88
Edge SEL AWD $140 $332 $444 $26 $134 $1,076 $90
Edge Limited AWD $282 $486 $516 $30 $154 $1,468 $122
Edge Sport 2WD $292 $682 $512 $30 $154 $1,670 $139
Edge Sport AWD $170 $350 $406 $24 $122 $1,072 $89
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in your specific Atlanta location which can decrease or increase rates greatly.

Driving violations and accidents

The example below shows how violations and accidents can drive up Ford Edge annual premium costs for different insured age categories. The premiums are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Informed Consumers Can Reduce Insurance Rates

A large part of saving on insurance is knowing some of the elements that aid in calculating your insurance rates. When you understand what determines premiums, this empowers consumers to make smart changes that could result in lower insurance prices. Lots of things are part of the equation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but others are more transparent such as your marital status or your financial responsibility.

Cheap Atlanta auto insurance rates with discounts

Buying auto insurance is not cheap, but companies offer discounts that can dramatically reduce your bill. A few discounts will automatically apply when you quote, but some must be asked for prior to getting the savings.Save money with discounts

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, it’s just not the way it works. But all discounts will positively reduce the amount you have to pay.

Popular auto insurance companies and their possible discounts are detailed below.

When getting a coverage quote, ask each company which discounts they offer. Some discounts may not apply to policies in your state.

Insurance agencies near you

Some consumers just want to sit down and talk to an agent. An additional benefit of comparing auto insurance online is that you can find lower rates and still buy from a local agent. Putting coverage with small agencies is important particularly in Atlanta.

Atlanta insurance agentsAfter filling out this quick form, your insurance data is sent to local insurance agents in Atlanta who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies since rate quotes are delivered straight to your inbox. Get lower rates without a big time investment. If you have a need to quote rates for a specific company, you can always search and find their rate quote page and complete a quote there.

If you’re trying to find a reliable insurance agent, it can be helpful to understand the types of insurance agents and how they can write your policy. Auto insurance agencies are considered either independent (non-exclusive) or exclusive.

Independent Agents

Independent agents can sell policies from many different companies so they can quote policies with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company and the insured can keep the same agent.

When comparing auto insurance rates, you should always include rate quotes from independent agents to ensure the widest selection of prices. Most can insure with companies you’ve never heard of that may provide cheaper auto insurance rates.

The following is a small list of independent insurance agencies in Atlanta that can give you free auto insurance quotes.

More insurance agents

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive work for only one company like American Family, State Farm, and Allstate. They generally cannot shop your coverage around so they are skilled at selling on more than just price. These agents receive extensive training on their company’s products which helps overcome the inability to quote other rates. Many people purchase coverage from exclusives mainly due to loyalty to the company rather than having low rates.

Listed below is a list of exclusive insurance agencies in Atlanta that are able to give price quote information.

More insurance agents

Deciding on an auto insurance agent requires more thought than just a cheap price. Ask your prospective agent these questions:

When to get professional advice

When quoting and comparing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect thatDrive safe and save
For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Affordable insurance rates are out there

More affordable insurance in Atlanta is definitely available both online in addition to local insurance agencies, so you need to shop Atlanta auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get quotes online and many times these small insurance companies only sell through independent agencies.

We just presented a lot of techniques to find affordable Ford Edge insurance in Atlanta. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable Atlanta auto insurance quotes. Consumers could even find that the lowest car insurance rates are with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give better rates compared to the large companies like Allstate or State Farm.

When you buy Atlanta auto insurance online, do not buy less coverage just to save a little money. There are too many instances where an insured cut physical damage coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the best price.

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