2010 Ford Flex Insurance Rates – 9 Policy Discounts

Looking for lower car insurance rates for your Ford Flex? Are you regretting buying high-priced car insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy. Drivers have multiple auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, it makes it harder to compare rates and find the lowest cost car insurance.

It’s important to compare premium rates at least once a year because prices are variable and change quite frequently. Just because you had the best deal for Flex insurance six months ago there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because you’re about to learn the best methods to find better coverage at a better price.

The purpose of this article is to help educate you on the most effective way to quote insurance. If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. Drivers just need to know the proper way to compare prices on the web.

How to buy insurance coverage online

All major insurance coverage companies such as 21st Century, Allstate and State Farm make it easy to get coverage price quotes on the web. Getting quotes doesn’t take a lot of time as all you need to do is type in the amount of coverage you want into the quote form. When complete, the company’s rating system orders reports for credit and driving violations and generates a price. This helps simplify price comparisons, but having to visit many different websites and complete many quote forms can be a bit repetitive. But it’s also necessary to get many rate quotes if you want to find the lowest price.

The quickest way to find cheaper rates requires only one form to return rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online quotes much more efficient. Once the form is submitted, it is quoted with multiple companies and you can pick any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process takes less than 15 minutes and can result in significant savings.

If you want to compare rates using this form now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend that you enter the coverages just like they are on your policy. This guarantees you will get an apples-to-apples comparison based on the exact same insurance coverage.

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Don’t believe everything you hear

Consumers can’t ignore all the ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the ads advertise the message that you can save if you get a free auto insurance quote and switch your coverage.

How is it plausible that every one can claim to save you money? This is the way they can do it.

Different companies have underwriting criteria for the type of driver that will add to their bottom line. One example of a profitable insured may be married and over the age of 30, has no claims, and has a high credit rating. Anybody that hits that “sweet spot” will get very good premium rates and most likely will pay quite a bit less when switching companies.

Drivers who may not quite match those criteria will have to pay a higher rate which results in the customer not buying. Company advertisements say “drivers that switch” not “everyone that quotes” save that much money. This is how companies can truthfully advertise the savings.

Because every company is different, it’s extremely important to get as many free auto insurance quotes as possible. It is just not possible to predict with any certainty which company will provide the lowest auto insurance rates.

Do you qualify for these nine discounts?

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be specially asked for before being credited.

• ABS Brakes – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more.
• Active Service Discounts – Having a family member in the military may lower your car insurance rates slightly.
• Telematics Data Discounts – Drivers who agree to allow their insurance company to scrutinize driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.
• Senior Discount – Drivers that qualify as senior citizens are able to get a discount up to 10% for Flex insurance.
• Auto/Life Discount – Some car insurance companies give a break if you buy life insurance from them.
• Seat Belt Usage – Drivers who require all occupants to buckle up could cut 10% or more on medical payment and PIP coverage.
• Discount for Swiching Early – Some insurance companies reward drivers for buying a new policy before your current coverage expires. You may see this discount when you get auto insurance quotes online.
• One Accident Forgiven – but some insurance companies permit an accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
• Employee of Federal Government – Federal government employees could provide a small rate reduction for Flex insurance depending on your car insurance provider.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you could get a free car insurance policy, you won’t be that lucky.

A list of car insurance companies and a partial list of their discounts can be read below.

• 21st Century may offer discounts for anti-lock brakes, theft prevention, homeowners, defensive driver, and teen driver.
• State Farm offers discounts including passive restraint, Drive Safe & Save, good driver, multiple policy, good student, multiple autos, and anti-theft.
• AAA has savings for education and occupation, multi-policy, good driver, pay-in-full, and multi-car.
• Liberty Mutual discounts include multi-car, teen driver discount, good student, multi-policy, newly married, new vehicle discount, and new move discount.
• Progressive offers premium reductions for good student, multi-policy, online signing, continuous coverage, multi-vehicle, homeowner, and online quote discount.

If you want inexpensive auto insurance quotes, ask all companies you are considering which discounts can lower your rates. All car insurance discounts may not apply to policies in every state.

Don’t assume everyone needs the same auto insurance coverage

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might help in determining if you could use an agent’s help.

• I have health insurance so do I need medical payments coverage?
• Is my custom paint covered by insurance?
• Can I rate high risk drivers on liability-only vehicles?
• When do I need to add a new car to my policy?
• Do I need roadside assistance coverage?
• If my 2010 Ford Flex is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

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Specific coverages for a Ford Flex

Knowing the specifics of insurance helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills for things like doctor visits, funeral costs, pain medications, nursing services and chiropractic care. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, scraping a guard rail, driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Flex.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Liability auto insurance – Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like legal defense fees, medical services, attorney fees and structural damage. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, vandalism and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Make an honest buck

When shopping online for insurance coverage, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone sacrificed liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

Cheap 2010 Ford Flex insurance is attainable online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer rates over the internet and usually these small insurance companies sell through local independent agencies.

Additional information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Airbag FAQ (iihs.org)

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