2012 Ford Flex Insurance Quotes

Looking for lower auto insurance rates for your Ford Flex? Did a good deal turn out to be overpriced auto insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance.

Since consumers have many choices of insurance companies, it can be hard to find a lower cost auto insurance company.

It’s a good idea to price shop coverage yearly because rates are variable and change quite frequently. Just because you found the lowest premium rates on Flex coverage at your last renewal the chances are good that you can find a lower price today. There is a lot of wrong information about auto insurance online but I’m going to show you some tested techniques to find affordable auto insurance.

Save money with these tips

When buying auto insurance it’s important to understand the rating factors that help determine the rates you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in lower rates. Lots of things are part of the equation when pricing auto insurance. Some are obvious such as traffic violations, although some other factors are not quite as obvious like where you live or how safe your car is.

  • Rate your vehicle for proper use – The more miles you rack up on your Ford in a year’s time the more you’ll pay to insure it. A lot of companies calculate rates based on their usage. Vehicles not used for work or commuting receive lower rates than those that get driven frequently. Having an incorrect usage rating on your Flex is throwing money out the window. Make sure your auto insurance declarations sheet reflects annual mileage, because it can save money.
  • Excellent credit means lower costs – An insured’s credit score will be a significant factor in your rate calculation. Therefore, if your credit could use some work, you could save money insuring your 2012 Ford Flex by improving your rating. Drivers with good credit tend to be less risk to insure than drivers with lower credit scores.
  • Never let your auto insurance policy lapse – Driving with no insurance can get your license suspended and auto insurance companies will penalize you for letting your insurance expire. In addition to paying higher premiums, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Reduce prices by driving safer cars – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles built for safety reduce occupant injuries and fewer serious injuries means lower claim amounts and lower rates for you. If your Ford scored better than four stars on Safercar.gov it may be receiving lower rates.

Use discounts to get cheaper auto insurance quotes

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that may help make it more affordable. Certain reductions will be credited at the time of quoting, but a few must be asked about before being credited. If you do not double check each discount available, you could be saving more on your auto insurance.

  • Responsible Drivers – Accident-free drivers could pay up to 40% less on Flex coverage than drivers with accident claims.
  • Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn better prices on cars that stay parked.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Flex coverage depending on your company.
  • Active Military Service – Having a family member in the military can result in better premium rates.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get reduced rates on Flex coverage.
  • Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
  • Student Discount for Driver Training – Have your child complete a driver education course as it will make them better drivers and lower rates.
  • Bundle and Save – If you have multiple policies with one insurance company they may give you a discount of at least 10% off all policies.
  • Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a lower price if you buy life insurance.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and can earn a small discount on your policy.

Keep in mind that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

Car insurance companies who may offer these discounts include:

If you need affordable car insurance quotes, ask each insurance company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in your area. To see a list of insurance companies that offer multiple discounts, click here to view.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine if your situation may require specific advice.

  • Am I covered if I break a side mirror?
  • How much liability coverage do I need in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I drive in Mexico and have coverage?
  • Am I insured when driving a different vehicle?
  • Are my friends covered when driving my car?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages explained

Having a good grasp of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Auto liability insurance – This provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, emergency aid, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many 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 is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for immediate expenses such as rehabilitation expenses, surgery, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Shop smart and save

As you shop your coverage around, do not reduce needed coverages to save money. There are too many instances where someone sacrificed physical damage coverage only to find out that the small savings ended up costing them much more. Your objective should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Low-cost 2012 Ford Flex insurance can be purchased online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not offer rate quotes online and many times these smaller providers prefer to sell through independent agents.

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