Save on 2017 Ford Flex Car Insurance Quotes

Looking for better insurance rates for your Ford Flex? High-priced insurance can stress out your savings and put the squeeze on your family’s finances. Since drivers have many online and local companies to choose from, it can be challenging to choose a lower cost insurance company.

How much does auto insurance cost?

Most companies make it easy to get prices for coverage from their websites. Getting prices online doesn’t take a lot of time because you just enter your required coverages as detailed in the form. Once you submit the form, the company’s rating system pulls information on your driving record and credit history and quotes a price based on these factors. Being able to quote online helps simplify price comparisons, but the work required to visit each company’s website and repetitively type in the same data is a big time waster. But it’s also necessary to do this if you want to get better auto insurance pricing.

Quote rates the easy way

The quickest way to lower your auto insurance bill uses just one form that obtains quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes rate comparisons a lot less work. Once the form is submitted, it is rated with multiple companies and you can pick any of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you copy the coverages identical to your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison based on similar coverages.

Is there truth in advertising?

Consumers can’t get away from all the ads that claim the best rates by Progressive, Allstate and GEICO. They all advertise the message that you can save just by switching your coverage.

How do they all make the same claim?

Car insurance companies have strict underwriting profiles for the type of insured that is profitable for them. For example, this type of driver may be over the age of 35, has a clean driving record, and does not commute to work. Anybody who fits those characteristics will probably get the lowest premium rates and will most likely save when switching.

Potential customers who don’t qualify for these stringent criteria will probably be forced to pay a more expensive rate and this can result in business going elsewhere. The trick is to say “customers who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can state the savings. This really emphasizes why you need to compare as many free auto insurance quotes as you can. Because you cannot predict the company that will be your best fit.

Smart consumers know how to get insurance cheaper

An important part of buying insurance is that you know the factors that are used to determine the price you pay for insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that can earn you better insurance rates. Lots of factors are considered when pricing auto insurance. Some of the criteria are obvious such as your driving history, although others are more transparent such as your marital status or how safe your car is.

  • Raise your coverage deductibles for better premiums – Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and damage from a fallen tree branch. Physical damage deductibles define how much you are willing to pay if a claim is determined to be covered. The more money you have to pay, the less your company will charge you for insurance on Flex insurance.
  • More traffic means higher claims – Having an address in less populated areas of the country has it’s advantages if you are looking for the lowest rates. People in densly populated areas regularly have more traffic problems and higher rates of accident claims. Less people living in that area corresponds to lower accident rates in addition to lower liability claims
  • If you don’t need it don’t buy it – Policies have extra add-on coverages that may not really be needed on your insurance policy. Coverages for rental car coverage, better glass coverage, and membership fees are examples of these. The coverages may be enticing at first, but if you have no use for them eliminate the coverages to reduce your premium.
  • Credit rating impact insurance costs – Having a bad credit score is a big factor in determining your rates. If your credit score could use some work, you could potentially save money when insuring your 2017 Ford Flex by repairing your credit. Drivers who have good credit tend to be more responsible than drivers who have lower credit scores.

Get lower rates by taking advantage of discounts

Auto insurance is not an enjoyable expense, but you may be missing some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be inquired about before you get the savings.

  • Multi-line Discount – Select insurance companies reward you with a discount if you purchase some life insurance too.
  • Homeowners Discount – Being a homeowner may trigger a policy discount on auto insurance because owning a home requires a higher level of personal finance.
  • Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.
  • Telematics Data – Drivers who elect to allow their auto insurance company to look at vehicle usage by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.
  • Accident-Free Discounts – Good drivers with no accidents pay less as opposed to frequent claim filers.
  • Drivers Ed for Students – Have your child participate in a local driver’s education class if offered at their school.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.

As is typical with insurance, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts should definitely cut the amount you have to pay.

A partial list of companies that possibly offer most of these discounts include:

If you need inexpensive auto insurance quotes, ask each company to give you their best rates. Some credits may not apply everywhere.

How much auto insurance do I need?

When it comes to choosing the best auto insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • Is business property covered if stolen from my car?
  • Am I missing any policy discounts?
  • Why does it cost so much to insure a teen driver?
  • Is my Ford Flex covered if I use it for business?
  • Can my teen drive my company car?
  • Is motorclub coverage worth it?
  • Does liability extend to a camper or trailer?
  • Am I covered when delivering products for my home-based business?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverage details

Having a good grasp of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, dental work and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability insurance can cover injuries or damage you cause to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as medical services, medical expenses, funeral expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Ford Flex.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision insurance pays for damage to your Flex resulting from a collision 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 things like sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass, a broken windshield, damage from getting keyed and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A penny saved is a penny earned

In this article, we covered some good ideas how to save on 2017 Ford Flex insurance. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates come from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

Some companies do not offer online rate quotes and these regional insurance providers sell through independent agencies. The cheapest 2017 Ford Flex insurance can be found from both online companies in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

When trying to cut insurance costs, never buy poor coverage just to save money. There are many occasions where an insured cut uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

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