Save Money on Ford Edge Insurance in Milwaukee

Trying to find more competitive car insurance rates in Milwaukee, WI? Milwaukee shoppers have options when shopping for low-cost Ford Edge insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to get rate quotes.

There are both good and bad ways to shop for car insurance and we’ll show you the best way to quote coverages for a Ford and get the lowest possible price either online or from Milwaukee insurance agents.

Companies offering Ford Edge insurance in Wisconsin

The companies in the list below can provide price quotes in Milwaukee, WI. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific location information which can impact coverage rates significantly.

Tickets and at-fault accidents raise rates

The diagram below shows how speeding tickets and accident claims can increase Ford Edge auto insurance rates for different age categories. The premiums are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Deductible comparison

When shopping for car insurance, a common question is where to set your physical damage deductibles. The rates shown below may help you to understand how much more rates are when you buy lower versus higher policy deductibles. The first pricing table uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in Milwaukee location which can impact coverage rates significantly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $10 more each month or $120 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 25 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

Ford Edge full coverage rates compared to liability only

The example below shows the comparison of Ford Edge insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims or violations, $250 deductibles, single male driver, and no other discounts are factored in.

When to stop buying full coverage

There is no clear-cut formula to stop paying for physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s assume your Ford Edge replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after paying your deductible. If premium cost is more than $600 a year for physical damage coverage, then it might be time to buy liability only.

There are some cases where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

What Affects Ford Edge Insurance Premiums?

It’s important that you understand the rating factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively impacts premium levels, this enables you to make decisions that may reward you with lower rates.

• Certain jobs raise rates – Careers such as lawyers, business owners and stock brokers have higher premiums than the average policyholder due to job stress and lots of time spent away from family. On the flip side, professions such as professors, athletes and retirees pay the least.
• Bundle policies and save – Most major car insurance companies provide discounts to customers that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to as much as ten percent or more Even if you qualify for this discount already, it’s always a smart idea to compare other company rates to confirm you are receiving the best rates possible.
• Mileage impacts premiums – The more miles you rack up on your Ford annually the more you’ll pay to insure it. Most insurance companies calculate rates based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Edge may be wasting your money. Make sure your car insurance policy shows the correct driver usage.
• Marriage discount – Being married may save some money on your car insurance policy. Marriage means you’re more responsible and insurance companies like that married drivers get in fewer accidents.
• Prevent car insurance lapses – Not maintaining insurance can get you a ticket and car insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will you pay more, the inability to provide proof of insurance could earn you fines or a revoked license.
• Stay claim-free and reduce premiums – If you frequently file small claims, you can expect higher rates. Auto insurance companies in Wisconsin generally give most affordable rates to people who are claim-free. Insurance coverage is meant to be used in the event of larger claims.
• How credit history affects car insurance rates – Having a good credit rating can be a huge factor in determining what you pay. People that have very good credit scores tend to be more responsible and file fewer claims than those with lower credit ratings. If your credit score can be improved, you could save money insuring your Ford Edge if you clean up your credit.
• Ford Edge insurance loss probability – Car insurance companies use statistical claims data to help determine rates. Vehicles that the data shows to have increased losses will have higher rates for specific coverages. The next table shows the historical loss data for Ford Edge vehicles.

  For each policy coverage, the statistical loss for all vehicles, as a total average, is represented as 100. Values that are 100 or less suggest a better than average loss history, while values that are above 100 point to more claims or an increased chance of a larger loss.

  Insurance Loss Ratings for Ford Edge Vehicles

  Specific Ford Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Ford Edge 4dr 2WD	53		93
  Ford Edge 4dr 4WD	71		108	75

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You may qualify for discounts for Ford Edge insurance in Milwaukee

Some providers don’t always list the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden savings tricks you should be using when you buy Milwaukee car insurance online. If you’re not getting every credit possible, you could be saving more on your insurance.

• Low Miles Discount – Maintaining low annual mileage could qualify for slightly better prices than normal.
• Save over 55 – Older drivers could receive a slight reduction on a Milwaukee car insurance quote.
• Good Students Pay Less – Getting good grades could provide a savings of up to 20% or more. The discount lasts up to age 25.
• Discounts for Government Workers – Being employed by or retired from a federal job may reduce rates when you quote Milwaukee car insurance depending on your company.
• Early Signing – Some insurance companies provide a discount for buying a new policy before your current Edge insurance policy expires. It could save around 10% when you buy Milwaukee car insurance online.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
• Driver Training Discounts – Successfully completing a driver safety class could cut 5% off your bill and easily recoup the cost of the course.
• Onboard Data Collection – Policyholders that allow their insurance company to track driving manner by using a telematics device such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and will save you 10% or more on Edge insurance in Milwaukee.

One thing to note about discounts is that most discounts do not apply to the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Larger insurance companies and their possible discounts include:

• State Farm policyholders can earn discounts including multiple policy, multiple autos, Steer Clear safe driver discount, anti-theft, safe vehicle, passive restraint, and Drive Safe & Save.
• American Family has savings for accident-free, air bags, mySafetyValet, early bird, and good student.
• GEICO may include discounts for federal employee, membership and employees, multi-vehicle, seat belt use, defensive driver, and multi-policy.
• 21st Century may offer discounts for automatic seat belts, 55 and older, defensive driver, early bird, and student driver.
• Progressive offers discounts for homeowner, online signing, multi-policy, continuous coverage, and good student.

Before buying, ask every insurance company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in Milwaukee. To see a list of providers that can offer you the previously mentioned discounts in Milwaukee, click here to view.

Neighborhood Milwaukee auto insurance agents

Certain consumers still like to have an agent’s advice and that can be a great decision Professional agents are trained risk managers and help in the event of a claim. A good thing about comparing car insurance online is the fact that drivers can get cheap car insurance rates and still choose a local agent. And providing support for local insurance agents is definitely important in Milwaukee.

To make it easy to find an agent, after completing this simple form, your coverage information is emailed to local insurance agents in Milwaukee who can give free rate quotes for your car insurance coverage. It makes it easy because there is no need to find an agent on your own as quotes are delivered to the email address you provide. If you want to quote rates for a specific company, just go to their quote page and submit a quote form there.

If you need to find a good insurance agency, it can be helpful to understand the types of agencies and how they can quote your rates. Agents are categorized either exclusive or independent. Either one can sell and service car insurance coverage, but it’s worth mentioning why they differ because it can influence the selection process.

Independent Insurance Agents

Independent agencies do not write with just one company so they can write business with multiple insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier which makes it simple for you. When searching for an agent, it’s a good idea to include rate quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Most also have access to mutual insurance companies which could offer lower prices.

The following are independent insurance agencies in Milwaukee that may be able to give free car insurance quotes.

• B and J Insurance Agency, Inc.
  4234 N 76th St – Milwaukee, WI 53222 – (414) 461-4120 – View Map
• 1st Light Insurance Services
  500 W Silver Spring Dr k200 – Milwaukee, WI 53217 – (414) 393-1950 – View Map
• Procter Insurance Agency
  2315 10th Ave – South Milwaukee, WI 53172 – (414) 762-8900 – View Map

More insurance agents

Exclusive Agencies

Agents in the exclusive channel can usually just insure with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agents are highly trained on their products and sales techniques and that enables them to sell even at higher rates. Consumers often buy insurance from these agents mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.

Below are Milwaukee exclusive agencies who can help you get price quotes.

• American Family Insurance – Adam Altis
  6015 W Forest Home Ave – Milwaukee, WI 53220 – (414) 321-9944 – View Map
• American Family Insurance – James W Eve Agency LLC
  6917 W Oklahoma Ave – Milwaukee, WI 53219 – (414) 546-2100 – View Map
• American Family Insurance – Michael L. Voss
  332 N 76th St – Milwaukee, WI 53213 – (414) 257-2121 – View Map

More insurance agents

Selecting an insurance agency should include more criteria than just a cheap price quote. These are some valid questions you should ask.

• Are they able to provide referrals?
• Are they primarily personal or commercial lines agents in Milwaukee?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do they assist clients in filing claims?
• Do they receive special compensation for putting your coverage with one company over another?

Upon getting positive feedback to these questions as well as offering an affordable quote, you’ve probably found an auto insurance agent that can provide car insurance coverage.

Save $451 a year. For real?

Consumers can’t ignore all the ads that claim the cheapest rates from companies such as GEICO, State Farm and Progressive. They all seem to advertise the message that drivers can save some big amount if you change your auto insurance coverage to their company.

It sounds good, but how can they all make almost identical claims?

Insurance companies have strict underwriting profiles for the type of driver that makes them money. One example of a profitable risk profile might be over the age of 40, has no claims, and does not commute to work. Any new insured who meets those qualifications may get the lowest prices in Milwaukee and will probably save some money.

Potential insureds who don’t measure up to the requirements will be charged higher premiums and this results in business not being written. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully make those claims.

This illustrates why drivers should get a wide range of price quotes. It’s not possible to predict which auto insurance company will have better premium rates than you’re paying now.

Insurance agents can help

Always keep in mind that when comparing coverage online or from an agent for your vehicles, there really isn’t a one-size-fits-all type of policy. Every insured’s situation is different.

These are some specific questions might help in determining whether or not you may require specific advice.

• Does every company file a SR-22 automatically?
• How do I buy GAP insurance?
• Is my Ford Edge covered for flood damage?
• Does medical payments coverage apply to all occupants?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered if I have no license?
• How much liability insurance is required?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Keep this in mind when shopping around

We just showed you a lot of tips how to shop for Ford Edge insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, extreme rates for teen drivers, poor customer service and even being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company can be less work than you think.

For more information, feel free to visit the following helpful articles:

• Steps to Take After an Auto Accident (Insurance Information Institute)
• Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Milwaukee? (FAQ)
• Who Has Cheap Milwaukee Auto Insurance for a Subaru Outback? (FAQ)
• Who Has Cheap Auto Insurance for Single Moms in Milwaukee? (FAQ)
• How Much are Auto Insurance Rates for a Ford Focus in Milwaukee? (FAQ)
• Who Has Affordable Milwaukee Auto Insurance Rates for a Toyota RAV4? (FAQ)
• Liability Insurance Coverage (Nationwide)
• Parking Tips to Reduce Door Dings (State Farm)
• Think You’re a Safe Driver? (State Farm)