Save on 2016 Ford Flex Insurance Rates

Searching for better insurance rates for your Ford Flex? Having to pay for expensive insurance can stress out your monthly budget and force you to make tough financial choices. Comparing rates annually can lower your rates and help to lower your bills every month.

You have multiple insurers to pick from, and even though it’s nice to have a selection, it can be more challenging to get the best deal.

Finding the best rates is not rocket science. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. Nevertheless, car owners can benefit from knowing the way companies price online insurance and use this information to your advantage.

How much is auto insurance?

When shopping for auto insurance there are multiple ways to get quotes from all the different companies. The best way to find affordable 2016 Ford Flex insurance rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

Without a doubt, the easiest way to find low rates is a comparison rater form click here to open form in new window. This style of form keeps you from doing separate quotes for each company. Taking the time to complete one form gets prices estimates from multiple companies.

A more time consuming way to find better pricing requires you to visit the website for every company you want to comare to complete their respective quote request forms. For example, we’ll pretend you want to compare rates from Liberty Mutual, 21st Century and American Family. To get each rate you have to go to each individual site and type in your information over and over, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

The hardest way to do your price quoting is making phone calls or going to local insurance agencies. Shopping for auto insurance online has made agencies unnecessary unless you require the advice and guidance of an agent trained in personal lines coverage. Drivers can comparison shop your insurance online and have a local agent actually service the policy.

How you compare quotes is your choice, just do your best to enter exactly the same information on every quote you get. If you have unequal deductibles or liability limits it will be nearly impossible to make an equal comparison. Quoting even small variations in coverage limits could throw off the whole comparison. Just keep in mind that making a lot of price comparisons increases the change that you will find more affordable rates. Not every company allows you to get rate quotes online, so it’s recommended that you also compare quotes from them, too.

Insurance advertisements

Respected companies like Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. All the ads make the same claim that you can save if you get a free auto insurance quote and switch to their company. How does each company charge you a lower premium? You have to listen carefully.

Insurance companies quote the lowest rates for the type of customer that will add to their bottom line. One example of this type of risk profile could possibly be over the age of 35, carries high limits, and has a high credit rating. Any driver who meets those qualifications gets the lowest rates and will save when switching.

Drivers who do not fit those standards must pay higher premium rates which results in the customer not buying. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” save that much money. This is how insurance companies can make it sound like they have such great car insurance rates. This illustrates why you really need to do a price quote comparison at every renewal. It’s impossible to know which insurance company will have the best rates for your profile.

What affects Ford Flex insurance prices?

Consumers need to have an understanding of a few of the rating criteria that go into determining the rates you pay for insurance coverage. If you understand what determines premiums, this enables informed choices that can help you get better insurance coverage rates. Many factors are part of the equation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although others are not quite as obvious like your vehicle usage or how financially stable you are.

  • Your car’s features help determine insurance coverage rates – Choosing a vehicle that has an advanced theft prevention system can save you some money. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
  • Credit history impact insurance coverage premiums – Your credit score is a big factor in determining your rates. If your credit history leaves room for improvement, you may save money insuring your 2016 Ford Flex by taking the time to improve your credit score. Drivers with excellent credit scores tend to be more responsible than drivers with poor credit.
  • Policy add-ons add up – Policies have extra coverages that you can buy if you aren’t diligent. Coverages like rental car reimbursement, better glass coverage, and term life insurance may be costing you every month. They may sound like good ideas when talking to your agent, but if they’re wasting money get rid of them and save.
  • lapses raise premiums – Not maintaining insurance can get you a ticket and you may have a hard time finding new coverage because you let your insurance expire. In addition to paying higher premiums, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license.
  • Higher insurance coverage rates for demanding vocations – Did you know your occupation can influence how much you pay for insurance coverage? Occupations like lawyersair traffic controllers and miners usually pay higher premium rates because of job stress and long work hours. On the other hand, jobs such as scientists, athletes and homemakers receive lower rates on Flex insurance.
  • High deductibles equal low rates – Your deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of some claims that would be covered are colliding with a stationary object, animal collisions, or theft of your vehicle. The larger the amount you are required to pay out-of-pocket, the lower your rates will be on Flex insurance.
  • Stay claim-free and reduce rates – If you tend to file frequent claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies generally give cheaper rates to people who are not frequent claim filers. Your insurance policy is intended for the large, substantial claims.
  • Better drivers have lower premiums – Your driving record can have a huge impact on auto insurance premiums. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Getting just one moving violation may increase your cost forty percent or more. Drivers who have gotten careless violations such as DUI or willful reckless driving may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.

Discounts for cheap car insurance rates

Car insurance companies don’t always advertise all their discounts very clearly, so the following list contains some of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online.

  • Student Discount for Driver Training – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
  • Life Insurance Discount – Some car insurance companies give a lower premium rate if you buy auto and life insurance together.
  • Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount due to better safety requirements for newer vehicles.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles with the same car insurance company may reduce the rate for each vehicle.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Policy Bundle Discount – If you can bundle your homeowners and auto insurance with the same company you may save as much as 10 to 15 percent.
  • Defensive Driving Course – Successfully completing a driver safety course may get you a small discount if your company offers it.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Senior Citizen Discount – Drivers over the age of 55 may qualify for reduced rates on Flex insurance.

You should keep in mind that most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous.

For a list of insurers who offer discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation may require specific advice.

  • How can I find cheaper teen driver insurance?
  • What are the financial responsibility laws in my state?
  • What if I don’t agree with a claim settlement offer?
  • Will my insurance pay for OEM parts?
  • Am I covered if I hit a deer?
  • What can I do if my company won’t pay a claim?
  • How do I buy GAP insurance?
  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, rock chips in glass and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, sideswiping another vehicle, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as X-ray expenses, pain medications and ambulance fees. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as repair bills for other people’s vehicles, emergency aid, court costs, medical expenses and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Be a Smart Shopper

We covered some good ideas how to save on 2016 Ford Flex insurance. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting affordable auto insurance. Consumers may even find the best car insurance rates are with a small local company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

A few companies may not provide online rate quotes and many times these smaller companies prefer to sell through independent agents. Low-cost 2016 Ford Flex insurance can be sourced online and from local insurance agents, so compare prices from both so you have a total pricing picture.

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