View 2014 Ford Flex Car Insurance Rates

Looking for better car insurance rates for your Ford Flex? Finding better insurance prices for a Ford Flex can normally be an all-consuming task, but you can use our car insurance buying tips to save time.

There is a better way to shop for car insurance and we’ll show you the proper way to get price quotes for your Ford and get the best price possible from local insurance agents and online providers.

Smart consumers take time to compare rates once or twice a year because rates are variable and change quite frequently. Just because you found the best deal on Flex insurance six months ago you will most likely find a better price today. There are a lot of ways to save on car insurance on the internet, but by reading this article, you’re going to learn some proven techniques to buy car insurance cheaper.

How to compare car insurance price quotes

All the larger car insurance companies like Progressive, Allstate and GEICO make it easy to get prices for coverage online. Getting online rates is possible for anyone as you simply type in into the quote form. When the form is submitted, the system automatically retrieves your driving and credit reports and generates a price.

This makes it easy to compare insurance prices but the time it takes to visit a lot of sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find the lowest car insurance rates.

Quote rates the easy way

The easiest way to find lower prices utilizes a single form to return rates from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much easier to do. After sending the form, it is rated and you can choose any one of the quotes returned.

If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

If you want to compare pricing, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you type in the insurance coverages identical to your current policy. This ensures you will be getting rate quotes using the same coverage and limits.

Take advantage of every auto insurance discount

Companies do not list every possible discount very clearly, so the list below details a few of the more well known as well as the least known auto insurance savings.

  • Senior Discount – Drivers over the age of 55 can possibly qualify for a slight reduction on a insurance quote on Flex insurance.
  • Government Employee Discount – Federal government employees could cut as much as 10% off on Flex insurance but check with your company.
  • Theft Prevention System – Cars and trucks with anti-theft systems prevent vehicle theft and will qualify for a discount on a insurance quote.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can actually save on your bill.
  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Save with More Vehicles Insured – Drivers who insure multiple vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
  • Defensive Driver Discounts – Taking time to complete a course teaching defensive driving skills is a good idea and can lower rates and make you a better driver.
  • Life Insurance – Select companies reward you with lower rates if you buy a life insurance policy as well.
  • Discount for Home Ownership – Owning a house can get you a discount because it demonstrates responsibility.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Insurance companies that may offer quotes with these benefits possibly include:

If you need lower rates, check with every prospective company to give you their best rates. Discounts might not be offered on policies in every state. If you would like to see a list of insurers that offer multiple discounts, follow this link.

How to know if you need help

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions can help discover if your situation may require specific advice.

  • Are rental cars covered under my policy?
  • I have health insurance so do I need medical payments coverage?
  • When would I need rental car insurance?
  • Why does it cost so much to insure a teen driver?
  • If my 2014 Ford Flex is totaled, can I afford another vehicle?
  • If I drive on a suspended license am I covered?
  • Am I better off with higher deductibles on my 2014 Ford Flex?
  • Where can I find DUI or SR-22 insurance?
  • Why do I only qualify for high-risk insurance?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Get cheaper insurance premiums by understanding these factors

One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that help determine the level of your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that can earn you big savings. Lots of things are considered when premium rates are determined. Some are obvious such as your driving record, but some are less obvious like your continuous coverage or your commute time.

  • No claims equals lower premiums – If you’re an insured who likes to file claims don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies award better rates to drivers who file claims infrequently. Auto insurance is intended to be relied upon for larger claims.
  • Premiums are affected by your address – Having an address in small towns and rural areas may provide you with better prices when insuring your vehicles. Fewer drivers on the road corresponds to lower accident rates. People who live in big cities regularly have congested traffic and more severe claims. Spending more time driving can result in more accidents.
  • Gender is a factor – Statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes get in auto accidents in similar numbers, but men have accidents that have higher claims. Not only that, but men also receive more costly citations like driving under the influence (DUI). Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Never let your coverage lapse – Allowing your coverage to lapse is a sure-fire way to increase your rates. Not only will you pay more, failure to provide proof of insurance will get you a fine, jail time, or a revoked license.
  • Single drivers take more risk – Your spouse actually saves money on your insurance coverage bill. Marriage generally demonstrates drivers are more stable financially it has been statistically shown that drivers who are married file infrequent claims.
  • Put fewer miles on your vehicle – The more you drive every year the more it will cost to insure it. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos that do not get driven very much get more affordable rates than cars that get driven a lot. Having the wrong rating on your Flex may be costing you. It’s a smart idea to ensure your vehicle rating reflects annual mileage.

Learn about car insurance coverages for a Ford Flex

Understanding the coverages of car insurance aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability coverage – This will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as court costs, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses for rehabilitation expenses, EMT expenses, X-ray expenses and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage – This covers damage to your Flex resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, hitting a parking meter, driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 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 is a good idea. Usually these coverages do not exceed the liability coverage limits.

Be a money saver!

Lower-priced 2014 Ford Flex insurance can be found on the web in addition to local insurance agencies, so you need to quote insurance with both so you have a total pricing picture. Some insurance providers do not provide price quotes online and these regional carriers prefer to sell through local independent agencies.

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, delays in responding to claim requests and questionable increases in premium. No matter why you want to switch, finding a great new company is not as hard as you think.

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an insured cut full coverage only to find out that they should have had better coverage. The goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

Additional information can be found on the following sites: