How Much Does 2013 Ford Flex Insurance Cost?

Trying to find the cheapest insurance coverage rates for your Ford Flex? Are you at wits end from wondering where the money will come from to pay high insurance coverage rates every month? You’re in the same situation as many other drivers. You have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, having more auto insurance companies makes it harder to get the best deal.

It’s important to get comparison quotes before your next renewal because prices change quite often. Even if you got the best price on Flex insurance at your last renewal you will most likely find a better rate quote today. Block out anything you think you know about insurance coverage because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Consumers just need to learn the most effective way to shop online.

Informed consumers can save money

Multiple criteria are used when you quote your car insurance policy. Some are obvious like an MVR report, but other factors are less apparent like where you live or your vehicle rating.When buying insurance coverage it’s important to understand a few of the rating criteria that go into determining the level of your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

  • Insurance is expensive for youthful drivers – More experienced drivers tend to be more responsible, cost insurance companies less in claims , and are generally more financially stable.Inexperience drivers are proven to get distracted easily when driving so insurance coverage rates are higher.
  • An active insurance claims history can cost you more – If you are a frequent claim filer, you can pretty much guarantee higher rates. Companies provide better rates to people who are claim-free. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Avoid tickets and save – Having a single moving violation can increase the cost of insurance by as much as thirty percent. Good drivers receive lower rates than bad drivers. Drivers who have severe tickets like reckless driving, hit and run or driving under the influence may be required to prove financial responsibility with their state in order to continue driving.
  • Pay more out-of-pocket – Comprehensive and collision coverage deductibles tell how much you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more damage repair cost you have to pay, the less money you will pay for insurance coverage on Flex insurance.
  • Liability insurance claims can be big – Liability insurance will provide protection when you are determined to be liable for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Single vs. married – Being married helps lower the price when buying insurance coverage. Marriage is viewed as being more stable financially and insurance companies like that married drivers tend to have fewer serious accidents.
  • Never have insurance coverage policy lapses – Driving with no insurance is not a good idea and as a result your rates will increase for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, failure to provide proof of insurance will get you a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Do thieves like your car? – Driving a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft.

Discounts for cheaper auto insurance rates

Some insurance providers do not list every possible discount in an easy-to-find place, so we researched a few of the more common as well as some of the hidden credits available to lower your premiums when you buy auto insurance online. If you do not double check each discount available, you could be getting lower rates.

  • Cautious Drivers – Accident-free drivers may save up to 50% more on Flex insurance compared to accident prone drivers.
  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a slight reduction on a auto insurance quote on Flex insurance.
  • Sign Online – A handful of companies will provide an incentive shop auto insurance over the internet.
  • Government Employees – Having worked for a branch of the government could cut as much as 10% off on Flex insurance with certain companies.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill and also improve your driving technique.
  • Savings for New Vehicles – Adding a new car to your policy can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
  • Accident Waiver – This one is not really a discount per se, but companies like GEICO and Allstate will allow you to have one accident before raising your premiums so long as you are claim-free for a specific time period.
  • Low Miles Discount – Keeping the miles down on your Ford could qualify for lower prices due to less chance of an accident.
  • Early Renewal Discounts – A few auto insurance companies allow discounts for buying a new policy prior to your current policy expiring. Ten percent is about the average savings.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

A few popular companies and a partial list of their discounts include:

  • State Farm may offer discounts for multiple autos, student away at school, Drive Safe & Save, passive restraint, accident-free, safe vehicle, and Steer Clear safe driver discount.
  • Farmers Insurance has savings for alternative fuel, good student, mature driver, teen driver, business and professional, bundle discounts, and switch companies.
  • Progressive may include discounts for continuous coverage, online signing, multi-policy, online quote discount, and good student.
  • GEICO discounts include daytime running lights, military active duty, defensive driver, federal employee, and air bags.
  • Auto-Owners Insurance offers premium reductions for good student, student away at school, multi-policy, paperless, and safe driver.
  • The Hartford may have discounts that include air bag, defensive driver, anti-theft, bundle, and vehicle fuel type.
  • Farm Bureau offers discounts for multi-vehicle, safe driver, driver training, youthful driver, renewal discount, good student, and 55 and retired.
  • USAA includes discounts for driver training, family discount, loyalty savings, defensive driver, good student, and multi-vehicle.

Before purchasing a policy, check with every insurance company the best way to save money. Some of the earlier mentioned discounts may not be available in every state. To see a list of providers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might point out whether you would benefit from professional advice.

  • Does my personal policy cover me when driving out-of-state?
  • Is upholstery damage covered by car insurance?
  • How do I buy GAP insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can my babysitter drive my car?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Knowing the specifics of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types offered by car insurance companies.

Liability car insurance – This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as pain and suffering, medical services, medical expenses and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, a broken windshield, hitting a bird, vandalism and damage from flooding. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This covers damage to your Flex caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, crashing into a building, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for doctor visits, funeral costs, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2013 Ford Flex.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Don’t throw your cash in the trash

We just covered some good ideas how you can lower your 2013 Ford Flex insurance premium rates. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the most savings is with a lesser-known regional company. They can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

When getting auto insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice physical damage coverage to discover at claim time they didn’t have enough coverage. Your objective should be to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

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