2010 Ford Flex Insurance Rates – 6 Discounts for Cheaper Quotes

I really doubt anyone gets a kick out of paying for car insurance, especially knowing they could find better rates elsewhere. Numerous car insurance companies battle to insure your vehicles, so it can be very hard to choose a provider to get the cheapest price

You should take the time to get comparison quotes quite often since insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest premium rates for Flex coverage a year ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the things you must know in order to find lower rates on car insurance.

Auto insurance policy discounts you can’t miss

Auto insurance companies don’t always advertise every available discount very clearly, so we took the time to find a few of the more well known as well as some of the hidden credits that may apply to you. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.

  • ABS Brakes – Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
  • Multiple Cars – Buying coverage for more than one vehicle on the same auto insurance policy can get a discount for every vehicle.
  • Discounts for New Vehicles – Adding a new car to your policy can save you some money because newer models have to meet stringent safety requirements.
  • Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on insurance quote when compared with bad drivers.
  • Early Signing – Select companies give a discount for renewing your policy before your current coverage expires. The savings is around 10%.
  • E-sign – A few larger online companies will discount your bill up to fifty bucks shop insurance over the internet.

Don’t be surprised that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Large auto insurance companies and the discounts they provide are shown below.

  • Progressive has savings for online signing, good student, continuous coverage, multi-vehicle, homeowner, online quote discount, and multi-policy.
  • The Hartford offers premium reductions for driver training, good student, anti-theft, air bag, and vehicle fuel type.
  • Mercury Insurance policyholders can earn discounts including accident-free, anti-theft, multi-policy, good driver, and location of vehicle.
  • GEICO may offer discounts for multi-policy, defensive driver, anti-theft, multi-vehicle, and federal employee.
  • AAA includes discounts for anti-theft, AAA membership discount, multi-policy, pay-in-full, and education and occupation.
  • State Farm may include discounts for multiple policy, student away at school, Drive Safe & Save, passive restraint, Steer Clear safe driver discount, accident-free, and good student.

When comparing rates, check with all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier might not be offered in every state. If you would like to choose from a list of insurance companies that offer many of these discounts, follow this link.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I wreck a rental car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why do I only qualify for high-risk insurance?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from getting keyed and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability – Liability insurance protects you from damage or injury you incur to a person or their property 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 liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, repair costs for stationary objects, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2010 Ford Flex.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, crashing into a building, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like chiropractic care, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

One last thing about your coverage

We’ve covered a lot of information how to lower your 2010 Ford Flex insurance premium rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. Drivers may discover the lowest premium rates are with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

The cheapest 2010 Ford Flex insurance can be sourced from both online companies as well as from insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not have price quotes online and these regional carriers only sell coverage through independent agencies.

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