How long has it been since you shopped around for more affordable Ford Edge insurance in Fort Collins? Wish you could get out of an overpriced auto insurance policy? Believe me when I say there are many Fort Collins consumers feeling the pinch from expensive auto insurance.

Insurance quote for Ford Edge in Fort CollinsSadly, a large majority of consumers have been with the same company for a minimum of four years, and almost 40% of drivers have never shopped around. U.S. drivers can save hundreds of dollars each year just by getting comparison quotes, but they just don't understand how easy it is to save money by comparing rate quotes.

Many insurance companies compete for your business, so it's not easy to compare every insurer and get the definite lowest price on Ford Edge insurance in Fort Collins.

How to buy Ford Edge insurance in Fort Collins

Keep in mind that quoting more helps increase your odds of locating the best offered rates. Some smaller insurers do not give online price quotes, so it's important to also get rates from them, too.

The companies in the list below provide quotes in Fort Collins, CO. If the list has multiple companies, we recommend you visit as many as you can to find the lowest auto insurance rates.

Ford Edge Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $174 $278 $362 $22 $108 $944 $79
Edge SE AWD $236 $458 $352 $20 $106 $1,172 $98
Edge SEL 2WD $186 $362 $358 $22 $108 $1,036 $86
Edge Limited 2WD $258 $628 $426 $26 $128 $1,466 $122
Edge SEL AWD $192 $368 $352 $20 $106 $1,038 $87
Edge Limited AWD $260 $630 $396 $24 $118 $1,428 $119
Edge Sport 2WD $160 $384 $456 $28 $136 $1,164 $97
Edge Sport AWD $264 $528 $358 $22 $108 $1,280 $107
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can raise or lower rates noticeably.

Should you buy full coverage?

The information below illustrates the comparison of Ford Edge insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no accidents or driving violations, $250 deductibles, single male driver, and no other discounts are factored in.

When to stop paying for full coverage

There is no clear-cut rule of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's pretend your Ford Edge claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after you pay the deductible. If it's costing you more than $600 annually for physical damage coverage, then it might be time to buy liability only.

There are some cases where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Safe drivers pay cheaper rates

The illustration below shows how traffic citations and at-fault fender-benders influence Ford Edge yearly insurance costs for each age group. The premiums are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.

Higher deductibles save money

When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The data tables below help summarize the price difference between low and high deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Ford Edge insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $236 $376 $352 $20 $106 $1,115 $93
Edge SE AWD $236 $458 $352 $20 $106 $1,197 $100
Edge SEL 2WD $236 $458 $352 $20 $106 $1,197 $100
Edge Limited 2WD $236 $458 $352 $20 $106 $1,197 $100
Edge SEL AWD $236 $458 $352 $20 $106 $1,197 $100
Edge Limited AWD $272 $538 $352 $20 $106 $1,313 $109
Edge Sport 2WD $272 $538 $352 $20 $106 $1,313 $109
Edge Sport AWD $272 $538 $352 $20 $106 $1,313 $109
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Ford Edge insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $146 $236 $352 $20 $106 $860 $72
Edge SE AWD $146 $288 $352 $20 $106 $912 $76
Edge SEL 2WD $146 $288 $352 $20 $106 $912 $76
Edge Limited 2WD $146 $288 $352 $20 $106 $912 $76
Edge SEL AWD $146 $288 $352 $20 $106 $912 $76
Edge Limited AWD $168 $340 $352 $20 $106 $986 $82
Edge Sport 2WD $168 $340 $352 $20 $106 $986 $82
Edge Sport AWD $168 $340 $352 $20 $106 $986 $82
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in zip code location which can lower or raise coverage prices significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $25 more each month or $300 each year than choosing the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 30 months between claims, you would probably be better off going with the higher deductible.

Get cheaper Ford Edge insurance rates in Fort Collins

Some companies don't always list every possible discount in a way that's easy to find, so the following list contains both the well known as well as the least known discounts you could be receiving when you buy Fort Collins car insurance online.Discount car insurance

You should keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, you won't be that lucky.

Some companies that may offer policyholders many of the previously listed discounts possibly include:

If you need cheaper Fort Collins car insurance quotes, ask each company or agent which discounts you qualify for. A few discounts might not be offered on policies in Fort Collins. For a list of car insurance companies with significant discounts in Colorado, follow this link.

Insurance agent or online?

Certain consumers still like to talk to a local agent and that is a personal choice. One of the benefits of price shopping on the web is the fact that drivers can get cheaper rates and still buy from a local agent. Buying from local agents is still important in Fort Collins.

Insurance agents in Fort CollinsTo make it easy to find an agent, after completing this short form, your coverage information is transmitted to agents in your area who will give you bids for your business. There is no need to drive around since price quotes are sent directly to you. It's the lowest rates and a licensed agent to work with. If you wish to get a rate quote from a specific company, you would need to search and find their rate quote page and complete a quote there.

If you want a reliable insurance agency, it can be helpful to understand the different agency structures and how they are distinctly different. Insurance agencies are categorized either independent or exclusive depending on the company they work for.

Independent Insurance Agents

These agents can sell policies from many different companies so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If premiums increase, they simply switch companies in-house and that require little work on your part. If you need lower rates, you will want to get some free quotes from at a minimum one independent agency in order to compare the most rates.

Shown below are Fort Collins independent agents who can help you get free rate quotes.

525 N Denver Ave - Loveland, CO 80537 - (970) 622-9734 - View Map

2850 McClelland Dr #3000 - Fort Collins, CO 80525 - (970) 207-0600 - View Map

1015 W Horsetooth Rd - Fort Collins, CO 80526 - (970) 221-1141 - View Map

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Exclusive Agencies

Agents that choose to be exclusive can only provide one company's prices and some examples include Allstate and State Farm. They are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained on their company's products which can be an advantage.

The following are Fort Collins exclusive agents willing to provide price quotes.

2121 Midpoint Dr #301a - Fort Collins, CO 80525 - (970) 484-3600 - View Map

3307 S College Ave - Fort Collins, CO 80525 - (970) 223-2219 - View Map

1300 Oakridge Dr #100 - Fort Collins, CO 80525 - (970) 223-9400 - View Map

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Choosing an insurance agent shouldn't rely on just a cheap quote. Any good agent in Fort Collins should know the answers to these questions.

Insurance coverage basics

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Coverage for liability - This coverage provides protection from injuries or damage you cause to other's property or people. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/15 which stand for $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and $15,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible. Colorado requires drivers to carry at least 25/50/15 but you should consider buying more liability than the minimum.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like hospital visits, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage - This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Edge.

Because many people carry very low liability coverage limits (Colorado limits are 25/50/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages - Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible on your Edge to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, damage from a tornado or hurricane, vandalism, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Frequent quotes can save

When trying to cut insurance costs, don't be tempted to reduce needed coverages to save money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the best cost.

We've covered some good ideas how you can get a better price on Ford Edge insurance in Fort Collins. The most important thing to understand is the more companies you get prices for, the better likelihood of getting low cost Fort Collins car insurance quotes. You may even discover the lowest priced insurance comes from a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

Even more information can be found by following these links: