View 2012 Ford Edge Insurance Rates

Sick and tired of sacrificing to pay high car insurance rates every month? You’re in the same situation as many other consumers. Because there are so many options when it comes to car insurance, it is hard for the average consumer to find the cheapest insurer.

You need to compare prices before your policy renews because car insurance rates tend to go up over time. Just because you found the lowest rate on Edge coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the easiest way to reduce your cost while improving coverage.

How much does insurance cost?

There are multiple methods you can shop for insurance but one way is more efficient than others. You could waste time talking to insurance companies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the best insurance companies take part in a program where prospective buyers enter their coverage request one time, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do quote forms for each company. To find out how much you’re overpaying now click here (opens in new window).

The only drawback to using this type of form is you don’t know exactly which companies you want pricing from. If you wish to select individual companies to receive pricing from, we have a listing of companies who write insurance in your area. Click to view list.

Whichever method you choose, ensure you’re using nearly identical deductibles and coverage limits for every quote you compare. If you compare different deductibles it will be nearly impossible to determine the best price for your Ford Edge.

Drivers can save with with these discounts

Insurance is not inexpensive, but there could be significant discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you purchase, but lesser-known reductions have to be asked for before being credited.

  • Policy Bundle Discount – If you can combine your homeowners and auto policy with one insurance company you may save up to 20% off your total premium.
  • Own a Home and Save – Owning your own home or condo can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
  • Government Employee Discount – Employees or retirees of the government may reduce rates when you quote insurance coverage on Edge coverage with some insurance companies.
  • Accident Waiver – Not really a discount, but companies like Progressive and Allstate will allow you to have one accident without the usual rate increase if you have no claims for a certain period of time.
  • Defensive Driver Discount – Taking time to complete a course that instructs on driving safety could save 5% or more and make you a better driver.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower insurancerates if you buy a life policy as well.
  • Senior Discount – Mature drivers can possibly qualify for a small discount on rates on Edge coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may get savings of up to 25% or more.
  • College Student Discount – Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.

Please keep in mind that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic.

Insurance companies who may offer these benefits possibly include:

When getting free insurance coverage quotes, it’s a good idea to every insurance company which discounts they offer. Some of the earlier mentioned discounts might not apply in your area. To see a list of providers that offer the discounts shown above, follow this link.

Your situation helps dictate your coverage

When it comes to buying adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • Is my 2012 Ford Edge covered for flood damage?
  • How much liability do I need to cover my assets?
  • Am I covered if I hit a deer?
  • What vehicles should carry emergency assistance coverage?
  • Does my 2012 Ford Edge qualify for pleasure use?
  • Is my camper covered by my car insurance policy?
  • When should I remove comp and collision on my 2012 Ford Edge?
  • Is motorclub coverage worth it?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

How car insurance companies determine Ford Edge insurance premiums

An important part of buying insurance is that you know some of the elements that help determine your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get cheaper rates. Many factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving history, but some are not as apparent like your continuous coverage or how financially stable you are.

  • Policy add-ons may be wasting money – There are quite a few add-on coverages that sound like a good idea at the time if you aren’t diligent. Coverages like personal injury protection, death and dismemberment, and motor club memberships may be costing you every month. You may think they are a good idea initially, but your needs may have changed so think about removing them and cutting costs.
  • Certain occupations pay higher premiums – Occupations such as real estate brokers, architects and medical professionals generally have higher average rates due to high stress and long work days. Other careers such as scientists, historians and retirees get better rates on Edge coverage.
  • Marriage is a good thing – Having a spouse can actually save you money compared to being single. Having a significant other generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because being married results in fewer claims.
  • Where you reside is a factor – Choosing to live in areas with lower population has definite advantages if you are looking for the lowest rates. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have more road rage incidents and more severe claims. The longer drive time means more chances of being involved in an auto accident.
  • Safer vehicles means lower rates – Cars with five star safety ratings tend to have lower insurance rates. Vehicles built for safety reduce injuries and reduced instances of injuries means less money paid by your insurance company passed on to you as lower rates.
  • Rate your vehicle for proper use – Driving a lot of miles every year the higher your rates will be. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks that sit idle most of the time receive lower rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Edge is throwing money out the window. It’s a smart idea to ensure your policy reflects annual mileage.
  • Bundle policies and save money – Many insurance companies will award a discount to people who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare other company rates to guarantee you are still saving the most. Consumers may find better rates by buying insurance from more than one company.
  • Low comp and collision deductibles can be expensive – Comp and collision deductibles represent how much money you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some coverage claims would be colliding with a stationary object, vandalism, and damage caused by road hazards. The more you pay before a claim is paid (deductible), the lower your rates will be on Edge coverage.

Big brands don’t always mean big savings

Consumers get pounded daily by advertisements for the lowest price insurance coverage by Allstate, GEICO and Progressive. They all make an identical promise that drivers can save some big amount just by switching to their company.

How does each company charge lower premium rates? Just pay attention to how they say it.

Different companies offer their best rates for a prospective insured that will not have excessive claims. For instance, this type of driver may need to be between the ages of 30 and 45, is a homeowner, and drives less than 7,500 miles a year. Anyone that meets those criteria may get the lowest car insurance rates and as a result will probably save when switching.

Insureds who don’t meet this stringent profile will get higher premium rates and ends up with the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” not “all people who quote” save the amount stated. This is how insurance companies can make claims that they all have the best rates. This really drives home the point why you need to get insurance coverage quotes from several different companies. It is impossible to predict which insurance coverage company will have the lowest rates.

Insurance coverage options for a 2012 Ford Edge

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Collision insurance

Collision insurance pays for damage to your Edge resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, hitting a deer and rock chips in glass. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Edge.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability auto insurance

This coverage protects you from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as funeral costs, surgery and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Shop around and save

As you shop your coverage around, do not buy poor coverage just to save money. In many cases, consumers will sacrifice full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the lowest possible cost while still protecting your assets.

More affordable insurance coverage is attainable both online and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance coverage companies don’t offer price quotes online and usually these smaller providers only sell coverage through independent agents.

To learn more, feel free to browse these articles: