Cheap 2012 Ford Edge Insurance Rates

Searching for lower auto insurance rates for your Ford Edge? Are you a victim of overpriced auto insurance? Believe me, many consumers feel financially strained by their auto insurance policy. Because you have many options when it comes to auto insurance, it’s difficult to locate the most cost effective insurer.

Compare the Market for Auto Insurance

Most companies provide price estimates on their websites. Obtaining pricing is fairly straightforward as you just type in the coverages you want as detailed in the form. Upon sending the form, their rating system will obtain your credit score and driving record and generates pricing information determined by many factors. Online price quotes makes comparing rates easy, but the process of having to visit different websites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to get many rate quotes if you want to find lower prices.

Quote rates the easy way

The quickest way to find cheaper rates makes use of a single form to get prices from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more efficient. As soon as the form is sent, it gets priced and you can select any one of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

To quickly compare rates now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you enter the insurance coverages identical to your current policy. Doing this guarantees you’re receiving rate comparison quotes using the same coverage and limits.

Why you might be paying too much to insure your Ford Edge

It’s important that you understand the factors that go into determining the rates you pay for insurance coverage. Understanding what influences your rates helps enable you to make changes that could result in lower insurance coverage prices.

  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes cause accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • Don’t buy coverages you don’t need – There are many extra bells and whistles that can waste your money when buying insurance coverage. Things like personal injury protection, accident forgiveness and membership fees may be wasting your money. They may seem like a good idea initially, but your needs may have changed so remove them from your policy.
  • Equipment add-ons that lower insurance coverage rates – Owning a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • More claims means more premium – If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Auto insurance companies give better rates to people who do not file claims often. Car insurance is meant to be used in the event of major claims that would cause financial hardship.

Don’t pay full price with these discounts

Companies offering auto insurance don’t necessarily list every discount very clearly, so here is a list some of the best known and also the lesser-known savings tricks you should be using. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Edge coverage than less cautious drivers.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • No Accidents – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Edge coverage with select insurance companies.
  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.

Keep in mind that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

Companies that may offer these benefits include:

Double check with each insurance company how you can save money. All car insurance discounts may not be available in every state.

Your personal situation dictates your coverage

When it comes to buying the best auto insurance coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Do I have coverage if my license is suspended?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is upholstery damage covered by car insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Where can I find DUI or SR-22 insurance?
  • Should I rate my 2012 Ford Edge as pleasure use or commute?
  • Is a new car covered when I drive it off the dealer lot?
  • What is roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

Liability insurance

Liability insurance will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This pays for damage to your Edge resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, driving through your garage door, colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, hospital visits and chiropractic care. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Edge.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

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

Comprehensive coverage pays for claims such as theft, a tree branch falling on your vehicle, rock chips in glass and damage from flooding. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Smart shoppers get results

Cheaper 2012 Ford Edge insurance can be purchased online in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced physical damage coverage only to find out they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Additional information can be read on the following sites: