How Much Does 2011 Ford Flex Insurance Cost?

Having to pay for overpriced insurance coverage can deplete your funds and force you to prioritize other expenses. You have multiple car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, it makes it harder to get the best deal.

Consumers need to do rate comparisons before your next renewal since insurance prices change regularly. Just because you found the best rates for Flex insurance six months ago there is a good chance you can find better premium rates now. Block out anything you think you know about insurance coverage because it’s time to teach you how to use the internet to find lower rates on insurance coverage.

Compare quotes for insurance coverage

Effectively comparing insurance coverage prices can be a daunting task if you don’t know the easiest way. You can waste hours talking to insurance agencies in your area, or you can stay home and use the web for quick rates.

The majority of car insurance companies belong to a marketplace that allows shoppers to complete one form, and at least one company provides a quote. This system prevents you from having to do quote forms to every company.

To access this free quoting program, click to open in new window.

The only downside to pricing coverage this way is you are unable to specify which companies to get quotes from. If you would rather choose individual companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

The method you choose is up to you, but try to keep the exact same coverage information for every quote you compare. If you compare different data it will be next to impossible to make a fair comparison for your Ford Flex.

Situations that may require an agent’s advice

When choosing adequate coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I break a side mirror?
  • Is my custom paint covered by insurance?
  • Am I covered when delivering products for my home-based business?
  • What is PIP insurance?
  • Is my camper covered by my car insurance policy?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Auto insurance policy coverages for a 2011 Ford Flex

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2011 Ford Flex.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as court costs, legal defense fees, repair costs for stationary objects and structural damage. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as funeral costs, chiropractic care and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision protection

This will pay to fix damage to your Flex resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.