Are you sick and tired of sacrificing other expenses to keep your car insured? Your situation is no different than most other vehicle owners in Kansas.
Amazingly, a recent NerdWallet.com study showed that a large majority of consumers kept buying from the same company for a minimum of four years, and 38% of drivers have never compared rates with other companies. The average driver in Overland Park can save hundreds of dollars each year just by shopping around, but they underestimate how much they could save if they switch to a new company.
Since you have so many options when it comes to insurance, it can be hard to locate the cheapest insurer.
You should make it a habit to shop coverage around on a regular basis due to the fact that insurance prices change quite often. If you had the best rates on Ford Edge insurance in Overland Park a few years ago there is a good chance you can find better premium rates now. You can find a lot of wrong information about Edge insurance online, but in this article, you're going to get some good information on how to lower your insurance premiums.
The are a couple different ways to compare prices from companies that offer auto insurance in Kansas. The easiest way to compare rates is to get quotes online.
Doing online rate quotes comparisons is so easy that it takes the place of having to call or drive to different Overland Park agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional guidance of a local Overland Park agent. If you prefer, some companies allow you to get the lowest quotes online but purchase the actual policy in an agency.
Just keep in mind that quoting more helps increase your odds of locating a lower rate.
The companies shown below are ready to provide free quotes in Kansas. If multiple providers are shown, it's highly recommended you visit two to three different companies to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Edge SE 2WD||$214||$366||$286||$16||$86||$968||$81|
|Edge SE AWD||$184||$436||$300||$18||$90||$1,028||$86|
|Edge SEL 2WD||$192||$372||$286||$16||$86||$952||$79|
|Edge Limited 2WD||$134||$294||$300||$18||$90||$836||$70|
|Edge SEL AWD||$208||$436||$292||$18||$88||$1,042||$87|
|Edge Limited AWD||$170||$364||$270||$16||$80||$900||$75|
|Edge Sport 2WD||$154||$348||$324||$20||$96||$942||$79|
|Edge Sport AWD||$154||$366||$324||$20||$96||$960||$80|
|Get Your Own Custom Quote Go|
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in specific location which can influence insurance rates substantially.
Rate comparison of full coverage and liability-only
The example below shows the comparison of Ford Edge car insurance costs with and without full coverage. The data is based on a clean driving record, no claims, $1,000 deductibles, married male driver, and no discounts are applied to the premium.
When to stop paying for full coverage
There isn't a steadfast formula to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let's assume your Ford Edge book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after paying your policy deductible. If you are paying more than $800 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.
There are a few situations where dropping full coverage is not in your best interest. If you haven't paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Insurance policy discounts for Ford Edge insurance in Overland Park
Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few must be asked for in order for you to get them.
- Discounts for Federal Employees - Being employed by or retired from a federal job could qualify for a slight premium decrease depending on your insurance provider.
- Theft Prevention System - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
- Senior Discount - Drivers over the age of 55 can possibly qualify for reduced rates.
- Save with a New Car - Buying a new car model can get you a discount because newer models have to meet stringent safety requirements.
- Distant College Student Discount - Any of your kids who live away from home at college and do not take a car to college may qualify for this discount.
- Organization Discounts - Being in a civic or occupational organization in Overland Park is a simple method to lower premiums on your bill.
- Fewer Miles Equal More Savings - Low mileage vehicles could earn substantially lower prices.
- Sign Online - Certain larger companies will provide an incentive for buying a policy and signing up on their website.
- No Accidents - Drivers with accident-free driving histories can earn big discounts as opposed to frequent claim filers.
Remember that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, that's just not realistic.
A few popular companies and some of their more popular discounts can be read below.
- GEICO discounts include federal employee, defensive driver, seat belt use, multi-policy, driver training, military active duty, and multi-vehicle.
- USAA offers discounts for family discount, multi-vehicle, military installation, driver training, safe driver, new vehicle, and multi-policy.
- Progressive offers discounts including homeowner, continuous coverage, multi-policy, multi-vehicle, and online signing.
- American Family includes discounts for accident-free, multi-vehicle, early bird, good driver, bundled insurance, defensive driver, and good student.
- Esurance policyholders can earn discounts including paid-in-full, anti-lock brakes, online quote, DriveSense, and safety device.
- Farmers Insurance may have discounts that include distant student, homeowner, youthful driver, early shopping, bundle discounts, and good student.
- State Farm may offer discounts for student away at school, driver's education, anti-theft, accident-free, and multiple autos.
Double check with every company how you can save money. Discounts might not apply everywhere. To find companies with discount rates in Overland Park, click this link.
Auto insurance is available from your local insurance agencies
Many people prefer to have an agent's advice and that is a smart decision One of the great benefits of getting free rate quotes online is you may find cheap auto insurance rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), the coverage information is transmitted to companies in Overland Park that provide free Overland Park auto insurance quotes for your business. It simplifies rate comparisons since you won't have to search for any insurance agencies since rate quotes are delivered to your email. It's the lowest rates AND a local agent. In the event you want to get a rate quote from one company in particular, you can always go to their quote page and fill out their quote form.
Picking an provider needs to be determined by more than just a cheap quote. The following questions are important to ask.
- Where are claims handled?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they have 24-hour customer assistance?
- How is replacement cost determined on your vehicle?
- Has the agent ever had any license suspensions?
- Does the company use OEM repair parts?
- What is their Better Business Bureau rating?
Auto insurance can be complex
When it comes to the best auto insurance coverage, there isn't really a best way to insure your cars. You are unique and your auto insurance should unique, too. Here are some questions about coverages that might point out if your situation would benefit from an agent's advice.
- Do I need special endorsements for business use of my vehicle?
- What are the financial responsibility laws in my state?
- When should I not buy collision coverage?
- Should I drop comprehensive coverage on older vehicles?
- Why am I required to get a high-risk car insurance policy?
- Am I covered if I have no license?
- Am I covered if I crash into my own garage door?
- Who is covered when they drive my Ford Edge?
- Am I covered when driving a rental car?
If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.
Protect your vehicle and other assets
Even though it can be expensive, insurance serves several important purposes.
- Almost all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage in order to be legal. In Kansas these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, almost every bank will require you to have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Ford at a more expensive rate and force you to pay the higher price.
- Insurance protects your Ford and your assets. It also can pay for medical bills incurred in an accident. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays as much as $825 a year so compare quotes from several companies at every renewal to save money.
Car insurance coverage options for a Ford Edge
Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like rehabilitation expenses, pain medications and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible
Comprehensive coverage (or Other than Collision)
This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like rock chips in glass, theft, falling objects, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like rolling your car, driving through your garage door, scraping a guard rail, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible on your Edge to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford Edge.
Since many Kansas drivers carry very low liability coverage limits (Kansas limits are 25/50/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability auto insurance
This will cover damages or injuries you inflict on other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/10 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $10,000.
Liability can pay for things such as court costs, funeral expenses, bail bonds and repair bills for other people's vehicles. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford. Kansas state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy higher limits.
Smart shoppers get results
Lower-priced Ford Edge insurance in Overland Park can be found online and from local agencies, and you should compare rates from both so you have a total pricing picture. A few companies do not offer rate quotes online and these smaller companies only sell coverage through local independent agencies.
When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. There have been many cases where an insured cut collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.
Much more information about car insurance in Kansas can be found on the following sites:
- Cellphones, Texting and Driving (iihs.org)
- What Car Insurance is Cheapest for Postal Workers in Kansas? (FAQ)
- Who Has the Cheapest Car Insurance for a Nissan Rogue in Kansas? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Vehicle Size and Weight FAQ (iihs.org)
- Things to Know Before you Cancel Insurance (Allstate)