Cheaper 2017 Ford Flex Car Insurance Quotes

Want the cheapest auto insurance rates for your Ford Flex? Comparing and finding more affordable coverage rates for Driversauto insurance is always hard for drivers new to online insurance quotes. People have so many options available that it can easily become a real hassle to find the best price.

Smart consumers take time to get comparison quotes every six months because prices are adjusted regularly by insurance companies. Just because you had the best rates on Flex insurance a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn one of the easiest ways to find great coverage at a great price.

Low cost auto insurance prices

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking to agents in your area, or you can stay home and use the internet for quick rates.

Many popular insurance companies take part in a program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes determined by their information. This prevents consumers from doing form submissions to each company.

To enter your information into the quoting system, click to open in new window.

The one downside to using this type of form is you cannot specify which companies you will receive quotes from. So if you want to choose from a list of companies to compare prices, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using identical coverages and limits on every quote you get. If you are comparing different values for each quote it will be very difficult to determine the best price for your Ford Flex. Quoting even small variations in limits could throw off the whole comparison. Just remember that comparing more rates from different companies helps improve the odds of finding a lower rate than you’re paying now.

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Save 15 percent in 15 minutes? Is it for real?

Respected companies like Progressive, Allstate and Geico continually stream ads on television and other media. All the ads have a common claim that drivers can save some big amount just by moving to their company. How does every insurance coverage company charge you a lower premium?

Insurance coverage companies have specific criteria for the type of customer that will be a good risk. For example, a desirable risk could possibly be over the age of 50, has never had a policy lapse, and the vehicle is rated for pleasure use. Any customer who fits those characteristics is entitled to the best price and have a good chance to save when they switch companies.

Potential insureds who fall short of these standards will probably be forced to pay more expensive rates which leads to the prospect going elsewhere. The ads state “drivers that switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently make it sound like they have such great car insurance rates. Because every company is different, you need to get a wide range of price quotes. It’s not possible to predict which insurance companies will have the best rates at this point in time.

Double check you’re getting these money-saving discounts

Car insurance companies don’t necessarily list all available discounts very clearly, so the next list breaks down both the well known as well as some of the hidden credits that you can use to lower your rates. If you do not check that you are getting every discount available, you’re just leaving money on the table.

• Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Flex insurance with certain companies.
• Waiver for an Accident – This isn’t a discount exactly, but some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
• Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you will save up to 20% and get you inexpensive car insurance.
• Accident Free – Drivers who stay claim-free pay less in comparison with drivers with a long claim history.
• Life Insurance – Larger companies have a discount if you purchase some life insurance in addition to your auto policy.
• Telematics Devices – Drivers who agree to allow driving data submission to analyze driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates if they have good driving habits.
• Use Seat Belts – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts as much as 30%.
• Senior Citizens – If you’re over the age of 55, you may qualify for a slight reduction on a car insurance quote on Flex insurance.

As a sidenote, some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

Large auto insurance companies and some of the premium reductions they offer include:

• American Family has discounts for bundled insurance, TimeAway discount, defensive driver, good student, multi-vehicle, air bags, and accident-free.
• State Farm discounts include student away at school, safe vehicle, driver’s education, Steer Clear safe driver discount, good student, and defensive driving training.
• 21st Century may have discounts that include driver training, homeowners, student driver, automatic seat belts, and early bird.
• Travelers may include discounts for student away at school, hybrid/electric vehicle, payment discounts, home ownership, save driver, new car, and multi-policy.
• Geico offers premium reductions for daytime running lights, five-year accident-free, membership and employees, emergency military deployment, good student, and anti-theft.

Before purchasing a policy, check with every prospective company to give you their best rates. Depending on the company, some discounts may not apply to policies in every state.

Do I need special coverages?

When choosing coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

• What should my uninsured motorist coverage limits be in my state?
• Should I buy additional glass protection?
• Will filing a claim cost me more?
• Does my car insurance cover rental cars?
• Does medical payments coverage apply to all occupants?
• Where can I find high-risk insurance?
• How much can I save by bundling my policies?
• Is a fancy paint job covered?
• How can I find cheaper teen driver insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

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Insurance policy specifics

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability – Liability insurance will cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, pain and suffering, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, fire damage, hitting a bird, damage from getting keyed and a broken windshield. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford Flex.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like EMT expenses, funeral costs, doctor visits and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Feed the piggy bank

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced collision coverage to discover at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

Consumers who switch companies do it for any number of reasons including high prices, denial of a claim, delays in responding to claim requests and even extreme rates for teen drivers. It doesn’t matter what your reason, switching auto insurance companies is easier than you think.

There are still a few companies who do not provide rate quotes online smaller companies provide coverage only through independent agents. Budget-friendly auto insurance can be sourced on the web as well as from independent agents, so you need to compare both to have the best selection.

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

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• State Car Insurance Guides (Geico)
• Auto Theft Statistics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)

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