Cheaper 2018 Ford Flex Insurance Quotes

Saving money on Driversauto insurance can seem to be difficult for beginners to online comparison shopping. With such a big selection of agents and online companies, it can quickly become a lot of work to find more affordable rates.

It’s a great practice to get comparison quotes occasionally because auto insurance prices tend to go up over time. Just because you had the best deal for Flex coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the tricks you need to know to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Shopping for the best coverage is easy if you know what you’re doing. Nevertheless, vehicle owners must know how companies sell online and use this information to your advantage.

Finding car insurance

Most larger insurance companies like State Farm, GEICO and Progressive allow you to get prices for coverage directly from their websites. Comparing rates online is fairly simple because you just enter your personal and coverage information into a form. Once you submit the form, the system automatically retrieves your credit score and driving record and returns a price.

Online price quotes simplifies rate comparisons, but the work required to visit many different websites and type in the same data is not the best way to spend an afternoon. But it’s necessary to get many rate quotes in order to get lower prices.

Compare rates the easy way

The easiest way to lower your car insurance bill utilizes a single form that analyzes rates from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes quoting online much more enjoyable. After sending the form, it is quoted with multiple companies and you can pick your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly compare pricing, click here and fill out the form. To compare your current rates, we recommend that you enter the insurance coverages identical to your current policy. This helps ensure you will have comparison quotes for similar coverage.

Insurance coverage companies offer many types of discounts

Auto insurance companies don’t necessarily list all their discounts very clearly, so the list below contains a few of the more common and also the lesser-known discounts that may be available.

  • E-sign Discounts – Certain larger companies give back up to $50 for completing your application online.
  • Homeowners Pay Less – Just being a homeowner can earn you a little savings because it means you have a higher level of financial diligence.
  • One Accident Forgiven – Not a discount per se, but some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
  • Cautious Drivers – Accident-free drivers can pay as much as 50% less for Flex coverage than less cautious drivers.
  • Save with a New Car – Adding a new car to your policy may earn a small discount because new vehicles are generally safer.
  • No Accidents – Drivers who stay claim-free pay much less when compared with bad drivers.
  • Onboard Data Collection – People who choose to allow their company to scrutinize when and where they use their vehicle through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease as long as the data is positive.
  • Senior Citizens – If you’re over the age of 55, you are able to get lower premium rates for Flex coverage.
  • Membership in Organizations – Having an affiliation with certain professional organizations is a simple method to lower premiums on your next renewal.

Remember that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky. Any amount of discount should help reduce your premiums.

Large insurance coverage companies and a partial list of their discounts are:

  • American Family may have discounts that include accident-free, bundled insurance, mySafetyValet, TimeAway discount, early bird, multi-vehicle, and defensive driver.
  • Farm Bureau has discounts for good student, renewal discount, youthful driver, driver training, 55 and retired, and safe driver.
  • State Farm has savings for good student, student away at school, good driver, driver’s education, safe vehicle, and multiple autos.
  • Travelers policyholders can earn discounts including save driver, student away at school, continuous insurance, early quote, good student, hybrid/electric vehicle, and multi-policy.
  • The Hartford offers discounts including defensive driver, vehicle fuel type, air bag, driver training, and good student.
  • GEICO may offer discounts for multi-policy, good student, five-year accident-free, daytime running lights, emergency military deployment, multi-vehicle, and driver training.
  • Progressive includes discounts for online signing, multi-vehicle, good student, homeowner, and online quote discount.

When getting free insurance quotes, it’s a good idea to all the companies which discounts can lower your rates. Discounts might not be available to policyholders in your area.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Do I need motorclub coverage?
  • If my 2018 Ford Flex is totaled, can I afford another vehicle?
  • What happens if I owe more than my 2018 Ford Flex is worth?
  • Does insurance cover tools stolen from my truck?
  • How high should my medical payments coverage be?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I rate my 2018 Ford Flex as pleasure use or commute?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

You can change your insurance premiums

When buying car insurance it’s important to understand some of the factors that help calculate your premiums. If you know what determines premiums, this allows you to make educated decisions that can earn you lower car insurance prices. Many things are part of the calculation when quoting car insurance. Some of the criteria are obvious like an MVR report, but other criteria are less apparent like where you live or your commute time.

  • Insure car and home with the same company – Most car insurance companies allow better rates for people who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare other insurance prices to make sure you are getting the best deal.There is a good possibility that you can find better rates by buying insurance from more than one company.
  • Alarms and GPS tracking lower car insurance rates – Buying a car that has an advanced theft prevention system can save you a little every year. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
  • Age of drivers impacts premiums – More mature drivers are more responsible, cause fewer claims and accidents , and usually have better credit.Beginning drivers are known to be inattentive and easily distracted behind the wheel therefore car insurance rates are much higher.
  • Do you work long hours in a high stress employer? – Occupations such as fire fighters, business owners and medical professionals tend to pay higher premiums than the average policyholder attributed to stressful work requirements and lots of time spent at work. Conversely, occupations such as professors, athletes and performers pay the least for Flex coverage.
  • High physical damage deductibles equal low rates – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Ford. Some examples of claims that would be covered are a broken side mirror, vandalism, or theft. Your deductibles define the amount you are required to spend before a claim is paid by your company. The larger the amount you have to pay, the bigger discount you will receive for Flex coverage.
  • Proper usage rating affects rates – The higher the miles on your Ford in a year’s time the higher the price you pay to insure it. The majority of insurers apply a rate determined by how the vehicle is used. Cars and trucks that sit idle most of the time can be on a lower rate level compared to those used for work or business. It’s a smart idea to ensure your declarations sheet states the proper vehicle usage, because it can save money. Having the wrong rating on your Flex may be wasting your money.
  • Car insurance policy lapses increase car insurance rates – Having a lapse in insurance coverage can be a quick way to pay more for car insurance. Not only will you pay higher rates, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Stay claim-free and lower premiums – Auto insurance companies generally give lower rates to policyholders who are not frequent claim filers. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Your car insurance is intended to be relied upon for the large, substantial claims.

Buyer beware of insurance advertising tricks

Big name companies like State Farm, GEICO and Progressive endlessly run ads in print and on television. They all say the same thing that you’ll save big if you move to their company. How does every insurance company claim to save you money? Here is how they do it.

Insurance providers have an ideal profile for the right customer that is profitable for them. For example, a desirable risk may be over the age of 40, is a homeowner, and drives a car with an anti-theft system. Any new insured that matches those criteria will most likely get cheap premium rates and will save when they switch companies.

Consumers who are not a match for the ideal profile will be charged more expensive rates which usually ends up with business going elsewhere. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the way they do. Because every company is different, it is so important to quote coverage with many companies. It is just not possible to predict with any certainty which company will have the lowest rate quotes.

Auto insurance coverages explained

Having a good grasp of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, a broken windshield, fire damage, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like rehabilitation expenses, EMT expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverage

Collision insurance will pay to fix damage to your Flex resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability car insurance

This provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as bail bonds, loss of income, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

The bottom line

We’ve covered a lot of ways to save on 2018 Ford Flex insurance. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may discover the lowest priced insurance coverage comes from a small local company.

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, questionable increases in premium, delays in paying claims and even high prices. Whatever your reason, finding a great new company can be easier than you think.

Some insurance companies do not provide online rate quotes and usually these small insurance companies work with independent insurance agencies. Cheap 2018 Ford Flex insurance can be purchased from both online companies and from local agencies, and you should compare rates from both in order to have the best chance of saving money.

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