Compare 2015 Ford Flex Car Insurance Quotes

There isn’t a single person who looks forward to paying premiums for car insurance, in particular when they could lower their rates if they shopped around. Many insurance companies vie for your insurance dollar, so it’s not easy to compare every company and uncover the absolute lowest rate

If you are insured now or need new coverage, you can use this information to reduce the price you pay while maximizing coverage. Buying car insurance is quite easy. Consumers just need to understand the most efficient way to shop for insurance online.

Take policy discounts and save

Companies that sell car insurance don’t list all their discounts in an easy-to-find place, so the next list breaks down a few of the more well known and also the lesser-known insurance coverage savings.

  • Senior Citizen Discount – If you qualify as a senior citizen, you could receive a small discount on rates for Flex coverage.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
  • Onboard Data Collection – People who choose to allow driving data collection to track driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they are good drivers.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
  • Cautious Driver Discounts – Insureds without accidents can pay as much as 50% less for Flex coverage compared to accident prone drivers.
  • Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free insurance coverage policy, it doesn’t quite work that way.

A list of companies and the discounts they provide are included below.

  • GEICO offers premium reductions for multi-vehicle, military active duty, emergency military deployment, membership and employees, and anti-lock brakes.
  • MetLife policyholders can earn discounts including defensive driver, claim-free, good driver, good student, and multi-policy.
  • State Farm offers discounts for accident-free, defensive driving training, passive restraint, multiple policy, safe vehicle, student away at school, and good driver.
  • Progressive discounts include online quote discount, multi-policy, homeowner, online signing, good student, multi-vehicle, and continuous coverage.
  • Mercury Insurance may have discounts that include multi-car, ease of repair, good driver, annual mileage, and professional/association.
  • 21st Century may include discounts for driver training, early bird, automatic seat belts, 55 and older, air bags, and student driver.
  • Allstate may offer discounts for teenSMART discount, multi-policy, new car, eSmart discount, and safe driver.

If you need the cheapest insurance quotes, ask every insurance company how you can save money. Savings might not be offered on policies in your area. For a list of insurance companies offering insurance coverage discounts, click this link.

How to get cheap insurance coverage

There are several ways to shop for insurance coverage, and some are more efficient than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize the web to quickly compare rates.

All the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company then returns a price quote for coverage. This system prevents you from having to do quotation requests for each company you want a rate for.

To get comparison pricing now click to open in new window.

The only downside to comparing rates this way is that you can’t choose which companies to get pricing from. So if you want to select specific insurance companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but do your best to use exactly the same coverage information for each comparison quote. If you are comparing different data it’s not possible to make a fair comparison for your Ford Flex.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether you could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • What vehicles should carry emergency assistance coverage?
  • Is my nanny covered when driving my vehicle?
  • How do I buy GAP insurance?
  • I have health insurance so do I need medical payments coverage?
  • When do I need to add a new car to my policy?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I hit a deer?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Parts of your insurance policy

Having a good grasp of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, rolling your car and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2015 Ford Flex.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, falling objects, theft and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

This can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

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

Liability insurance covers things such as attorney fees, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses like dental work, ambulance fees and funeral costs. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Find Good Coverage for Less

We’ve covered some good ideas how to shop for 2015 Ford Flex insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost insurance. You may even discover the lowest prices come from some of the smallest insurance companies. They can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time they didn’t have enough coverage. Your goal is to find the BEST coverage at a price you can afford while still protecting your assets.

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