How Much Does 2012 Ford Edge Insurance Cost?

Looking for better car insurance rates? Shoppers have many options when shopping for low-cost Ford Edge insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates. There are both good and bad ways to shop for car insurance and we’ll show you the best way to get price quotes for your Ford and obtain the cheapest rates either online or from local insurance agents.

It is always a good idea to compare rates at least once a year since rates change quite often. If you had the best price on Edge insurance a year ago a different company probably has better rates today. Block out anything you think you know about car insurance because we’re going to demonstrate the quickest way to eliminate unnecessary coverages and save money.

If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. The purpose of this article is to instruct you on the best way to quote coverages and some money-saving tips. Vehicle owners just need to know the proper methods to compare company rates on the web.

Companies offer discounts so take them!

Companies don’t always publicize every available discount very clearly, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you are throwing money away.

  • Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Paperless Signup – Some insurance companies may give you up to $50 just for signing your application online.
  • Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • No Accidents – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, you won’t be that lucky.

To see a list of providers who offer car insurance discounts, follow this link.

Do I just need basic coverages?

When choosing the best insurance coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • If my 2012 Ford Edge is totaled, can I afford another vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a new car covered when I drive it off the dealer lot?
  • Who is covered by my policy?
  • Do I need higher collision deductibles?
  • Where can I find DUI or SR-22 insurance?
  • Can I get a multi-policy discount?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Coverages available on your car insurance policy

Understanding the coverages of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – Collision insurance covers damage to your Edge resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, rolling your car, crashing into a ditch, hitting a parking meter and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability – This can cover damages or injuries you inflict on a person or their property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as pain and suffering, medical expenses, legal defense fees, structural damage and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical expense insurance – Med pay and PIP coverage kick in for expenses for rehabilitation expenses, chiropractic care, EMT expenses, prosthetic devices and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, rock chips in glass, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2012 Ford Edge.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Final considerations

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There have been many cases where drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Affordable 2012 Ford Edge insurance is definitely available online and with local insurance agents, so compare prices from both to have the best selection. Some companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Insureds who switch companies do it for any number of reasons including an unsatisfactory settlement offer, high prices, high rates after DUI convictions and questionable increases in premium. It doesn’t matter why you want to switch finding the right car insurance provider can be less work than you think.

Much more information about car insurance can be found at these links: