2012 Ford Flex Insurance Rates – 10 Tips for Best Quotes

Saving money on insurance coverage can be difficult for consumers new to comparison shopping online. People have so many choices that it can easily become a big hassle to locate the lowest price.

It’s smart to take a look at other company’s rates occasionally since insurance rates are rarely the same from one policy term to another. Even if you got the best deal on Flex insurance a year ago a different company probably has better rates today. Starting now, block out anything you think you know about insurance coverage because you’re going to get a crash course in the things you must know in order to find lower rates on insurance coverage.

Quick Insurance Coverage Quotes

When shopping for insurance coverage there are multiple ways to compare rate quotes from different insurance companies. The recommended way to find the cheapest 2012 Ford Flex insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  • The recommended way consumers can analyze rates is a comparison rater form like this one (opens in new window). This method keeps you from doing boring form submissions for every insurance coverage company. Taking the time to complete one form will return quotes instantly. This is by far the quickest method.
  • Another way to get quotes online requires visiting each company website to complete their respective quote request forms. For instance, we’ll assume you want to compare Allstate, GEICO and Farmers. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The hardest method of comparing rate quotes is driving around to different agent offices. The internet makes this process obsolete unless you have a need for the professional guidance of a local agent. Drivers can obtain prices from the web and get advice from an agent in your area.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverages and limits for each price quote. If you are comparing different deductibles it will be very difficult to determine the best price for your Ford Flex. Quoting even small variations in coverage limits may result in large price differences. Just remember that comparing a large number of companies helps you find lower pricing.

Cut your insurance rates with these ten discounts

Companies don’t always list every discount very clearly, so we researched some of the best known as well as the least known savings tricks you should be using.

  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Distant Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Bundle and Save – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Accident Free – Claim-free drivers pay much less when compared to bad drivers.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.

It’s important to note that most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of companies who offer insurance discounts, click here to view.

You are unique and your auto insurance should be too

When choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Will I lose any money if I cancel my policy before it expires?
  • What is the difference between comprehensive and collision coverage?
  • How high should deductibles be on a 2012 Ford Flex?
  • What is covered by UM/UIM coverage?
  • Who is covered by my policy?
  • Can I still get insurance after a DUI?
  • Am I covered if I hit a deer?
  • Am I covered if I drive in a foreign country?
  • What is no-fault insurance?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, funeral expenses, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for chiropractic care, rehabilitation expenses and surgery. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Flex.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage

Collision insurance pays for damage to your Flex resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

In the end, you save

Consumers leave their current company for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, lack of trust in their agent and extreme rates for teen drivers. Whatever your reason, switching companies can be pretty painless.

Discount 2012 Ford Flex insurance is attainable from both online companies in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, you should never skimp on coverage in order to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The aim is to find the BEST coverage at the best price while not skimping on critical coverages.

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