2013 Ford Flex Car Insurance Cost

Looking for better car insurance rates for your Ford Flex? Purchasing affordable car insurance on the web may be problematic for consumers new to comparing rates online. Because there are so many companies competing online, how can you possibly compare them all to find the best pricing?

Buying car insurance is not that difficult. Basically, everyone who shops for car insurance will most likely be able to lower their premiums. But vehicle owners do need to understand the methods companies use to price online insurance because it can help you find the best coverage.

Get lower rates on 2013 Ford Flex insurance

Companies don’t list all available discounts very well, so we took the time to find both the well known as well as the least known insurance coverage savings.

  • 55 and Retired – Mature drivers may qualify for reduced rates for Flex coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts up to 30%.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Flex coverage with select insurance companies.
  • Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.

Consumers should know that most discount credits are not given the the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

For a list of providers who offer insurance coverage discounts, follow this link.

Insurance Quote Comparison

Comparing insurance rates can be challenging if you don’t know the most efficient way. You can spend your afternoon talking to local insurance agents in your area, or you could save time and use online quotes to get prices fast.

Many insurance companies participate in a marketplace that allows shoppers to submit one quote, and each company can provide price quotes based on that information. This eliminates the need for quote requests to each company.

To access this free quoting program, click to open in new window.

The one downside to comparing rates this way is buyers cannot specifically choose which insurance companies you want pricing from. So if you want to select from a list of companies to compare prices, we have a listing of insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same information on every quote. If your comparisons have different deductibles it’s impossible to find the best deal for your Ford Flex. Slightly different insurance coverages can mean a large discrepancy in price. Keep in mind that getting more free quotes will improve the odds of getting better pricing.

Tailor your coverage to you

When choosing the best auto insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • Can I afford low physical damage deductibles?
  • Am I covered if hit by an uninsured driver?
  • How can I force my company to pay a claim?
  • When can my company non-renew my policy?
  • What exactly is covered by my policy?
  • Should I buy only the required minimum liability coverage?
  • Are my friends covered when driving my car?
  • Does my 2013 Ford Flex qualify for pleasure use?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverage

This coverage will cover damage that occurs to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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

Liability coverage pays for things like loss of income, medical services, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

This coverage covers damage to your Flex from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, falling objects, hail damage and vandalism. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses like surgery, X-ray expenses and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Take this to the bank

When you buy insurance online, you should never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at a price you can afford.

In this article, we presented a lot of techniques to lower your 2013 Ford Flex insurance rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with the least-expected company.

People who switch companies do it for a number of reasons such as not issuing a premium refund, poor customer service, an unsatisfactory settlement offer or even policy cancellation. Regardless of your reason, switching insurance coverage companies is not as hard as you think.

For more information, feel free to visit these articles: