Best Ford Edge Insurance in Nashville

How many times have you told yourself it’s time to shop around for low-cost Ford Edge insurance in Nashville? Tired of not being able to afford to buy insurance? You’re in the same situation as millions of other people.

It goes without saying that car insurance companies want to keep your business as long as possible. Drivers who perform rate comparisons are likely to move their business because of the high probability of finding a lower-priced policy. A study showed that people who did price comparisons regularly saved about $3,400 over four years compared to people who never shopped around for lower prices.

If finding budget-friendly Ford Edge insurance is your objective, then having a grasp of the best way to compare coverage rates can make shopping around easier.

Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest price on Ford Edge insurance in Nashville.

If you have coverage now, you stand a good chance to be able to reduce premiums using this information. Locating the best rates in Nashville is much easier if you have a good place to start. But Tennessee consumers do need to understand how big insurance companies charge you for coverage and use it to your advantage.

Save a ton on Ford Edge insurance in Nashville with these auto insurance discounts

Insuring your vehicles can cost a lot, but there could be available discounts that can help lower your rates. Many of these discounts will be applied automatically at quote time, but some need to be inquired about before you will receive the discount.

• Discount for Home Ownership – Owning a home in Nashville can help you save on auto insurance because maintaining a house demonstrates responsibility.
• Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you could save approximately 10% to 15%.
• Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
• Defensive Driver Discounts – Participating in a defensive driving course could earn you a small percentage discount and easily recoup the cost of the course.
• Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Passive Restraints – Cars that have air bags or motorized seat belts may get savings of 25 to 30%.
• Good Students Pay Less – Getting good grades may save as much as 25% on a Nashville car insurance quote. Earning this discount can benefit you until age 25.
• 55 and Retired – Drivers over the age of 55 could receive a slight reduction on a Nashville car insurance quote.
• Professional Organizations – Being a member of certain professional organizations could trigger savings on your next renewal.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic. But any discount will positively reduce your premiums.

The chart below shows the comparison of Ford Edge auto insurance rates with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, multi-car, and safe-driver discounts applied.

Some companies that may offer quotes with most of these discounts include:

• State Farm
• GEICO
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

When quoting, ask every insurance company which discounts they offer. Some discounts listed above may not apply in Nashville.

Just remember that comparing a large number of companies increases your odds of finding lower pricing.

The companies in the list below are our best choices to provide price quotes in Tennessee. If your goal is to find the best car insurance in Nashville, TN, we suggest you visit two to three different companies to get a more complete price comparison.

Ford Edge detailed coverage information

The table displayed below highlights different insurance rates for Ford Edge models. Having a good understanding how car insurance premiums are formulated can help guide drivers when making smart choices when purchasing an auto insurance policy.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific Nashville garaging location which can affect premiums noticeably.

Deductible comparison

One of the more difficult decisions when buying car insurance is at what level do you set your deductibles. The figures shown below may help to conceptualize how much more rates are when you choose different physical damage deductibles. The first set of rates uses a $250 deductible and the second rate table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in your specific Nashville location which can decrease or increase insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost you about $11 more each month or $132 a year averaged for all Edge models than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claim filings, you would save more money if you choose the higher deductible. The numbers below show how this determination is made.

The chart below highlights how deductible selection and can increase or decrease Ford Edge yearly insurance costs for different age groups. The price estimates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Irresponsible driving raises your rates

The example below highlights how speeding tickets and at-fault accidents can raise Ford Edge yearly insurance costs for each different age category. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Does full coverage make sense?

The chart below visualizes the comparison of Ford Edge insurance costs with and without full coverage. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are factored in.

When to drop comprehensive and collision

There isn’t a written rule of when to drop full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your Ford Edge book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $3,000 after paying the physical damage deductible. If premiums are more than $300 annually for full coverage, then it might be time to buy liability only.

There are some cases where removing full coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Can’t I get rate quotes from local Nashville auto insurance agents?

Some consumers just want to go talk to an agent and doing so can bring peace of mind The best thing about comparing rate quotes online is you may find lower rates and also buy local.

Once you complete this short form, your insurance data is instantly submitted to companies in Nashville who can give free rate quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents because prices are sent immediately to you. It’s the lowest rates and a licensed agent to work with. If you need to get a rate quote from a specific auto insurance provider, just jump over to their website and submit a quote form there.

Finding the right provider shouldn’t rely on just a cheap quote. Agents should be asked these questions:

• When do they do a full risk review?
• What is the financial rating for the quoted company?
• Will your rates increase after a single accident?
• Are they properly licensed to sell insurance in Tennessee?
• Are they involved in claim handling?
• Can they help ensure a fair claim settlement?

If you are searching for local Nashville agents, it’s helpful to know the types of agencies and how they can quote your rates. Nashville agents are classified as either independent or exclusive.

Exclusive Auto Insurance Agencies

Exclusive agents can only provide one company’s prices and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company’s products which aids in selling service over price.

The following are Nashville exclusive agencies who may provide you with price quote information.

More insurance agents

Independent Agencies or Brokers

Agents of this type do not sell for just one brand and that allows them to write policies through many companies and find you the best rates. If they find a lower price, they simply move the coverage in-house and the insured can keep the same agent.

If you are comparing auto insurance prices, we recommend you contact at least one independent agent to have the best price comparison.

The following are independent agents in Nashville that can give you price quote information.

More insurance agents

Tennessee car insurance companies

Buying coverage from a good quality car insurance provider can be rather challenging considering how many companies there are in Nashville. The information shown below could help you analyze which providers to look at comparing prices from.

Top 10 Nashville Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Erie Insurance – A+
6. Titan Insurance – A+
7. Esurance – A+
8. Progressive – A+
9. Nationwide – A+
10. The Hartford – A+

Top 10 Nashville Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Don’t give up on affordable rates

We’ve covered many ways to compare Ford Edge insurance rates in Nashville. The key thing to remember is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers could even find that the biggest savings come from a smaller regional carrier. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

Budget-friendly auto insurance in Nashville is attainable online and with local Nashville insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies do not provide online price quotes and many times these regional insurance providers work with independent agencies.

Steps to finding lower priced Ford Edge insurance in Nashville

If saving money is your primary concern, then the best way to get affordable Ford Edge insurance is to regularly compare prices from insurance carriers that sell auto insurance in Nashville. This can be done by following these steps.

• First, read about how insurance companies determine prices and the modifications you can make to prevent rate increases. Many things that cause high rates like speeding tickets, careless driving and a bad credit score can be amended by making small lifestyle or driving habit changes.
• Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can quote prices from multiple insurance companies. Select a company
• Third, compare the quotes to your current policy and determine if there is any savings. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

A tip to remember is to use the same amount of coverage on every price quote and and to analyze as many companies as possible. This provides an apples-to-apples comparison and the best price quote selection.

For more information, feel free to browse the resources below:

• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• Who Has the Cheapest Nashville Auto Insurance Quotes for College Graduates? (FAQ)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)