2012 Ford Edge Insurance Rates – 5 Tricks for Cheapest Quotes

Want cheaper insurance coverage rates for your Ford Edge? No one in their right mind loves paying for insurance coverage, especially when they are aware that their premiums are through the roof. Multiple auto insurance companies compete for your business, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate

The fastest way that we advise to compare insurance rates in your area is to know the trick most larger insurance companies will pay a fee to compare rate quotes. The one thing you need to do is give them some information such as driver details, how your vehicles are used, your education level, and if you are currently licensed. Your information is instantly sent to insurance companies and you receive quotes within a short period of time.

To find the cheapest car insurance rates, click here and see if a lower rate is available.

Can you really save $462 a year?

Consumers can’t ignore all the ads that promise big savings by Allstate and Progressive. They all convey the message that drivers can save some big amount after switching your coverage to them.

How do they all offer you a better deal? This is the trick they use.

Many companies give the cheapest rates for the type of driver that earns them a profit. A good example of a profitable customer might have to be a married male, has had continuous coverage, and drives a car with an anti-theft system. Any driver who matches those parameters will get very good rates and therefore will save a lot if they switch.

Potential insureds who do not meet this stringent profile will get a more expensive rate which results in the driver buying from a lower-cost company. The trick companies use is to say “drivers that switch” not “everyone that quotes” save that much when switching. This is how insurance companies can confidently lure you into getting a quote.

This really emphasizes why it is so important to compare price quotes frequently. It’s just too difficult to predict which company will have the lowest rate quotes.

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Find discounts to get cheap insurance quotes

Insurance can be pricey, but you might be missing out on some discounts that could drop your premiums quite a bit. Some discounts will apply at the time you complete a quote, but some may not be applied and must be specially asked for before they will apply. If they aren’t giving you every credit possible, you are throwing money away.

• First Accident Forgiveness – Not a discount per se, but a few companies such as State Farm and Allstate permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
• Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less for Edge insurance as compared to drivers with claims.
• New Vehicle Savings – Putting coverage on a new car can save you some money because new vehicles have to meet stringent safety requirements.
• Theft Deterent Discount – Cars that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
• E-sign Discounts – Certain larger companies provide a small discount for signing up on the web.

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, you’re out of luck.

A few popular companies and some of their more popular discounts can be read below.

• Progressive may include discounts for homeowner, good student, online signing, multi-policy, and online quote discount.
• The Hartford may offer discounts for air bag, bundle, defensive driver, anti-theft, vehicle fuel type, good student, and driver training.
• Mercury Insurance has discounts for good driver, good student, age of vehicle, type of vehicle, anti-theft, annual mileage, and accident-free.
• Geico offers premium reductions for multi-policy, driver training, five-year accident-free, emergency military deployment, and anti-lock brakes.
• AAA includes discounts for multi-car, good driver, AAA membership discount, education and occupation, pay-in-full, multi-policy, and anti-theft.
• State Farm policyholders can earn discounts including multiple autos, Drive Safe & Save, Steer Clear safe driver discount, good student, and student away at school.

When quoting, ask every company what discounts are available to you. Discounts might not be offered on policies in your state.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if you would benefit from an agent’s advice.

• Can I make deliveries for my home business?
• Do I need an umbrella policy?
• Will filing a claim cost me more?
• Do I need added coverage for expensive stereo equipment?
• Can I get a multi-policy discount?
• Am I covered when using my vehicle for business?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Ford Edge.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like surgery, EMT expenses, chiropractic care, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance will cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, legal defense fees, emergency aid and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, falling objects, a tree branch falling on your vehicle, theft and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

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

Collision insurance covers claims such as colliding with a tree, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

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Have the Midas touch

When shopping online for auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Some companies may not offer the ability to get a quote online and many times these smaller providers sell through independent insurance agencies. Lower-priced 2012 Ford Edge insurance is definitely available on the web and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from.

Much more information about auto insurance is available at these links:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Who Has Cheap Auto Insurance for a Ford Edge in Atlanta? (AtlantaMetroInsurance.com)
• Older Driver Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Auto Insurance 101 (About.com)

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