Compare 2017 Ford Flex Car Insurance Rates

Are you drained from trying to scrape together enough money to pay insurance each month? You’re in the same situation as many other drivers. Since consumers have many companies to choose from, it can be hard to pick the right insurer.

You should take the time to take a look at other company’s rates periodically because insurance rates go up and down regularly. If you had the best rate for Flex coverage last year you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance on the internet, but in this article, you’re going to get some of the best techniques to lower your insurance premiums.

Insurance premium influencing factors

Many things are part of the equation when you get your auto insurance bill. Some are pretty understandable like your driving record, although some other factors are less obvious like where you live and annual miles driven.

  • Combine home and auto and save – Lots of car insurance companies apply discounts to policyholders who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you already get this discount, consumers should still compare other insurance prices to confirm you are receiving the best rates possible. Consumers may find better rates even if you insure with multiple companies
  • How old are your drivers? – Older insureds are viewed as being more responsible, cost insurance companies less in claims , and are generally more financially stable.Young drivers are statistically proven to be less responsible when driving so car insurance rates are higher.
  • Cheaper prices for prior coverage – Driving any period of time without insurance is a misdemeanor and companies may charge more for letting your insurance lapse. In addition to paying higher rates, getting caught without coverage could result in a license revocation or jail time.
  • Tickets increase prices – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Even a single speeding ticket may cause rates to rise by as much as thirty percent. People who have multiple tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive a vehicle.
  • Deter theft and pay less – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
  • Premiums also based on gender – Over the last 30 years, statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Females and males tend to get into accidents at a similar rate, but the men have accidents that have higher claims. Men also statistically get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 have the highest risk to insure and therefore have the most expensive car insurance rates.

The quickest method to get rate comparisons is to realize all the major auto insurance companies will pay a fee to compare their rates. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as marital status, if the car is leased, the make and model of your vehicles, and your general credit rating. That rating information gets sent immediately to all major companies and they provide comparison quotes almost instantly.

Auto insurance discounts are available to cut your rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Some discounts will apply when you get a quote, but some must be asked for before you get the savings.

  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft so companies will give you a small discount.
  • Military Discounts – Being deployed in the military may lower your prices slightly.
  • Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for Flex coverage than drivers with accident claims.
  • Waiver for an Accident – Not necessarily a discount, but companies like State Farm and Progressive permit an accident without the usual rate increase if you have no claims prior to being involved in the accident.
  • Paperwork-free – A few larger companies will give you a small discount for buying your policy online.
  • Multiple Cars – Having multiple cars on one policy can get a discount for every vehicle.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Driver’s Education for Students – Have your child sucessfully take a drivers education course in school.
  • No Accidents – Claim-free drivers can save substantially as compared to insureds who have frequent claims or accidents.
  • Discount for Multiple Policies – When you have multiple policies and insure them with the same company they may give you a discount of at least 10% off all policies.

Don’t be shocked that some credits don’t apply the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Companies who might offer many of the previously listed discounts include:

Before you buy a policy, ask each company the best way to save money. Some credits might not be available to policyholders in your area. To locate auto insurance companies offering auto insurance discounts, click this link.

Everyone needs different car insurance coverages

When it comes to buying coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I buy additional glass protection?
  • Is my Ford Flex covered if I use it for business?
  • Is business equipment covered while in my vehicle?
  • When should I drop full coverage on my 2017 Ford Flex?
  • How do I insure my teen driver?
  • Do I need motorclub coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Parts of your car insurance policy

Understanding the coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, rock chips in glass, hitting a bird and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like doctor visits, dental work and hospital visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability coverages

This will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, loss of income and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This covers damage to your Flex caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, driving through your garage door, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Ford Flex.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

You can do this!

Lower-priced auto insurance is definitely available on the web as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not provide online rate quotes and most of the time these regional carriers only sell through local independent agents.

We’ve covered some good ideas how to shop for 2017 Ford Flex insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of getting affordable insurance coverage. Consumers may even find the lowest car insurance rates are with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate, Geico and Progressive.

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