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Ford Flex Insurance Rates

You have lots of choices when trying to insure your Ford vehicle. You can either contact a local agent or shop online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes is easy and at the same time you might just save a little.

Consumers not familiar with comparison shopping may think purchasing cheap Flex insurance is going to be difficult. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The quickest method to compare Flex insurance quotes consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

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What factors impact your insurance rates?

Auto insurance rates for a Ford Flex can vary widely based upon several criteria. Taken into consideration are:

  • The performance level of your Flex
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Your birth date
  • Whether you are married
  • Special coverage such as replacement cost
  • What you do for a living
  • Your coverage level
  • Whether you rent or own your home

A final factor that will help determine Flex insurance rates is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so repair costs tend to be lower which will push premiums down. On the flip side, newer vehicles may have a trim level with safety features like lane departure warning system, a telematics system, and adaptive headlights which can lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Flex from available model years below.

Auto liability

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage

Collision coverage covers damage to your Ford caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Flex collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper Flex insurance rates.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Ford Flex comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are Ford Flex Insurance Rates?