Lower Your 2016 Ford Flex Insurance Rates

Want lower car insurance rates for your Ford Flex? Trying to find low-cost insurance for a Ford Flex could be a painful process, but you can use a few tricks to save time. There is a better way to shop for car insurance and you need to know the proper way to compare rates for a new or used Ford and obtain the cheapest rates from local insurance agents and online providers.

It’s a great practice to compare prices every six months because car insurance prices change regularly. Just because you found the best deal on Flex coverage two years ago other companies may now be cheaper. Block out anything you think you know about car insurance because it’s time to teach you the proper way to save money, get proper coverage and the best rates.

If you have a current insurance coverage policy or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. Shopping for cheaper insurance coverage is not that difficult. Consumers only need an understanding of the proper methods to compare company rates online.

Don’t overlook these auto insurance discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specially asked for before you will receive the discount. If you’re not getting every credit available, you could be saving more on your auto insurance.

  • Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save a little off PIP or medical payments premium.
  • Defensive Driver Discount – Completing a class that teaches defensive driver techniques is a good idea and can lower rates and easily recoup the cost of the course.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% on Flex coverage than drivers with accident claims.
  • Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
  • Active Military Service – Having an actively deployed family member could qualify you for better prices.
  • Paperwork-free – Many larger companies will give you a small discount for buying your policy on the web.
  • Discount for Life Insurance – Select auto insurance companies reward you with a lower rate if you buy auto and life insurance together.

It’s important to note that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Some companies that have these discounts may include but are not limited to:

When getting free insurance quotes, it’s a good idea to every insurance company to apply every possible discount. Some credits may not be available in your area. If you would like to choose from a list of providers that have a full spectrum of discounts, click here.

How to buy insurance coverage online

Comparing insurance coverage rates can be a lot of work if you don’t know the fastest way to get free quotes. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many of the larger companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company returns a rated price for coverage. This eliminates the need for form submissions to every company.

To use this form to compare rates click here to open in new window.

The only drawback to using this type of system is you are unable to specify which carriers to get pricing from. If you wish to select from a list of companies to compare prices, we have a page of insurance coverage companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just try to keep the exact same coverage limits on every quote. If you use differing limits then you won’t be able to make a fair comparison for your Ford Flex.

When to get professional advice

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • Which companies will insure high-risk drivers?
  • Are split liability limits better than a combined single limit?
  • Does my 2016 Ford Flex qualify for pleasure use?
  • Is my nanny covered when driving my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills like funeral costs, dental work and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a deer and hitting a bird. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your Flex resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, scraping a guard rail, sideswiping another vehicle, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Flex.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees, loss of income and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Money doesn’t grow on trees

Some companies may not provide price quotes online and many times these small, regional companies sell through independent insurance agents. The cheapest 2016 Ford Flex insurance can be found online and from local agencies, so compare prices from both in order to have the best price selection to choose from.

Consumers leave their current company for a variety of reasons including denial of a claim, policy cancellation, high rates after DUI convictions or even lack of trust in their agent. It doesn’t matter why you want to switch finding the right insurance provider can be less work than you think.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured dropped comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best possible price.

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