2009 Ford Flex Car Insurance Rates – 8 Policy Discounts

Searching for lower auto insurance rates for your Ford Flex? Locating low-cost insurance for a new or used Ford Flex can turn out to be difficult, but you can learn the following methods to save time. There are more efficient ways to buy auto insurance so you’re going to learn the best way to compare rates on a Ford and locate the cheapest rates from both online companies and local agents.

Take advantage of every auto insurance discount

Insuring your vehicles can cost a lot, but you might find some hidden discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of quoting, but occassionally some discounts must be inquired about before you get the savings. If they aren’t giving you every credit possible, you are not getting the best rate possible.

  • Discount for Life Insurance – Select insurance carriers reward you with a lower rate if you buy a life insurance policy as well.
  • Defensive Driving Course – Participating in a course in defensive driving could save 5% or more and also improve your driving technique.
  • Online Discount – A few insurance companies will give you a small discount for signing up over the internet.
  • Multiple Cars – Purchasing coverage when you have multiple cars or trucks on a single policy can get a discount for every vehicle.
  • Bundle and Save – If you combine your auto and home policies with one insurance company you may save up to 20% and get you inexpensive insurance coverage.
  • Discount for New Cars – Buying a new car model can cost up to 25% less since new model year vehicles are generally safer.
  • Discounts for Safe Drivers – Insureds who avoid accidents may save up to 50% more on Flex coverage compared to accident prone drivers.
  • Federal Government Employee – Federal government employees could cut as much as 10% off on Flex coverage depending on your auto insurance provider.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Even though the math looks like all the discounts add up to a free policy, you aren’t that lucky.

A few of the larger companies and a selection of discounts are:

  • State Farm includes discounts for good student, accident-free, defensive driving training, Steer Clear safe driver discount, and safe vehicle.
  • American Family has savings for air bags, multi-vehicle, Steer into Savings, good student, mySafetyValet, and accident-free.
  • GEICO offers discounts for membership and employees, multi-vehicle, multi-policy, anti-theft, good student, driver training, and daytime running lights.
  • 21st Century has discounts for teen driver, driver training, defensive driver, automatic seat belts, and theft prevention.
  • Progressive policyholders can earn discounts including online signing, online quote discount, good student, continuous coverage, homeowner, and multi-policy.

Check with each company the best way to save money. Some credits might not be available to policyholders in your state. If you would like to view insurance companies that can offer you the previously mentioned discounts, follow this link.

How to know if you need help

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When do I need to add a new car to my policy?
  • Am I insured when driving a different vehicle?
  • I don’t drive much so do I pay less?
  • Can I afford to buy a different vehicle if my 2009 Ford Flex is totaled?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Coverages available on your insurance policy

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, funeral costs, nursing services and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Ford Flex.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision – Collision insurance covers damage to your Flex caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, driving through your garage door, sustaining damage from a pot hole, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, theft, a tree branch falling on your vehicle and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – This protects you from damage that occurs to other’s property or people. Split limit liability has three limits of coverage: 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 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as legal defense fees, funeral expenses, medical expenses, structural damage and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Pennies from heaven

When getting insurance coverage quotes online, you should never buy poor coverage just to save money. In too many instances, someone dropped liability coverage limits only to find out that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

We just presented many ways to compare 2009 Ford Flex insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of getting inexpensive insurance coverage. You may even discover the lowest priced insurance comes from some of the lesser-known companies.

Some insurance companies may not provide rates over the internet and these small insurance companies prefer to sell through independent agencies. Low-cost 2009 Ford Flex insurance can be bought both online and from local agencies, so you need to compare both to get a complete price analysis.

Much more information about insurance can be found at the links below