Cheaper 2013 Ford Flex Insurance Rates

Are you drained from sacrificing other expenses to insure your Ford every month? You are in the same boat as millions of other consumers. Numerous car insurance companies battle for your insurance dollar, so it’s not easy to compare every company and get the best coverage at the lowest price

It’s a good idea to check insurance prices as often as possible because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates for Flex coverage last year a different company probably has better prices today. Forget all the misinformation about insurance because you’re about to learn one of the best ways to get good coverage at a lower rate.

If you have a policy now or are looking for a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. Finding the best rates is quite easy. Consumers just need to understand the proper methods to compare rates online.

Lower the price of insurance with these tips

Many factors are used when premium rates are determined. Some are pretty understandable such as your driving record, although others are less obvious such as your credit history or how financially stable you are.

The list below includes some of the most common factors used by your company to calculate your rates.

• Do you need those incidental coverages? – There are many extra coverages you can purchase if you aren’t careful. Coverages for roadside assistance, towing, and extra life insurance coverage may be wasting your money. These may sound like a good investment when discussing your needs, but if they’re wasting money remove them from your policy.
• Reduce rates by driving vehicles with better crash test results – Safer cars cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Ford Flex is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Keep prices low by being claim-free – Auto insurance companies generally give cheaper rates to drivers who do not file claims often. If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of larger claims.
• Rates can drop if you have more than one policy – Most larger companies provide a discount to customers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, you may still want to compare rates to guarantee you are still saving the most. Consumers may find better rates even if you insure with multiple companies
• Never have insurance policy lapses – Letting your insurance expire can be a quick way to increase your rates. And not only will insurance be more expensive, getting caught without coverage could earn you a steep fine or even jail time. You may then have to file a SR-22 with your state motor vehicle department to get your license reinstated.

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Insurance coverage quotes comparison

The majority of larger companies such as Allstate, Geico and Progressive provide prices for coverage online. Getting quotes doesn’t take a lot of time because you just enter your coverage preferences into the quote form. After the form is submitted, their system automatically orders your driving record and credit report and generates pricing information based on many factors. Online price estimates simplifies rate comparisons, but the time required to go to multiple sites and enter the same data into a form is a big time waster. But it’s very important to have as many quotes as possible if you want to find better insurance coverage pricing.

There is a better way to compare rates

A better way to find lower prices is to use a quote form that obtains quotes from many companies. It saves time, helps eliminate reptitive entry, and makes online price comparison a lot less work. After sending your information, it is rated and you are able to buy your choice of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase the new policy. The whole process takes less than 15 minutes and may result in a nice savings.

To save time and compare pricing, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you input identical to your current policy. This makes sure you’re receiving rate quotes using the exact same coverages.

Insurance coverage ads are enticing

Consumers constantly see and hear ads for the lowest price insurance coverage by Allstate, Geico and Progressive. All the companies make the same claim that drivers can save some big amount just by moving your policy.

It sounds good, but how can they all make almost identical claims? It’s all in how they say it.

Many companies look for specific characteristics for the type of driver that makes them money. For example, a profitable insured should be over the age of 45, has a low-risk occupation, and has a short commute. A customer getting a price quote who fits those characteristics will get the preferred car insurance rates and have a good chance to save quite a bit of money when switching.

People who do not match these criteria will probably have to pay a higher premium which leads to business not being written. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently make those statements. This emphasizes why you need to compare rate quotes every year. Because you never know which company will have the best prices.

Insurance policy discounts you can’t miss

Insurance is not cheap nor is it fun to buy but you can get discounts that may help make it more affordable. Certain credits will be shown when you quote, but some need to be manually applied prior to getting the savings. If you’re not getting every credit you deserve, you are throwing money away.

• Multiple Vehicles – Buying a policy with primary and secondary vehicles on one policy can get a discount for every vehicle.
• Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you quote car insurance for Flex coverage with a few insurance companies.
• Savings for New Vehicles – Buying a new car model is cheaper due to better safety requirements for newer models.
• Telematics Data – Drivers who agree to allow their insurance company to look at vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they show good driving skills.
• Good Student – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Defensive Driver – Passing a driver safety class could save 5% or more depending on where you live.
• No Claims – Drivers who stay claim-free pay less when compared with drivers with a long claim history.
• Theft Prevention Discount – Cars with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.

Discounts reduce rates, but you should keep in mind that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it’s just not the way it works. Any qualifying discounts will bring down your policy premium.

A partial list of companies that may offer some of the above discounts include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

When quoting, ask all the companies which discounts you may be entitled to. Some discounts might not be offered in your area.

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Insurance agents can help

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

• Do I have newly-aquired coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Is my trailer covered?
• Am I covered when driving someone else’s vehicle?
• Do I need PIP (personal injury protection) coverage in my state?
• Do all my vehicles need collision coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a 2013 Ford Flex

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Liability car insurance

Liability insurance provides protection from damage that occurs to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, structural damage, attorney fees and medical expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Auto collision coverage

This coverage 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 and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, rolling your car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Flex.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, chiropractic care, X-ray expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Be Smart and Buy Smart

We’ve covered many tips how you can reduce 2013 Ford Flex insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the lowest premium rates come from a small local company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like Geico and State Farm.

A few companies may not offer price quotes online and many times these smaller providers only sell coverage through independent agents. Discount 2013 Ford Flex insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection.

Additional information can be read at these links:

• Determing Auto Insurance Rates (Geico)
• Parking Tips to Reduce Door Dings (State Farm)
• Booster Seat Ratings (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)

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