2012 Ford Edge Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 2, 2021

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Want lower insurance coverage rates for your Ford Edge? Confused by the wide range of insurance coverage options? You have a lot of company. People have so many options that it can easily become a real hassle to find lower rates.

This information will teach you how to get online quotes and some tips to save money. If you are paying for car insurance now, you will be able to save some money using this strategy. But drivers can benefit from knowing how the larger insurance companies sell online.

The fastest way that we advise to compare rates is to know the fact most of the larger companies participate in online systems to provide you with free rate quotes. All you need to do is provide details such as if you are currently licensed, if it has an anti-theft system, if the car is leased, and your general credit rating. Your insurance information is submitted instantly to multiple companies and you will receive price estimates instantly to find the best rate.

To start a rate quote now, click here and complete the form.

Which insurance is the “right” coverage?

When buying proper insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Is motorclub coverage worth it?
  • Are my friends covered when driving my 2012 Ford Edge?
  • Can my babysitter drive my car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are my friends covered when driving my car?
  • Do I have coverage when making deliveries for my home business?
  • How can I get my company to pay me more for my totalled car?
  • When should I remove comp and collision on my 2012 Ford Edge?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need replacement cost coverage on my 2012 Ford Edge?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages for a 2012 Ford Edge

Having a good grasp of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2012 Ford Edge.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

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

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, theft and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills such as chiropractic care, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

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

Collision coverage protects against claims like colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

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