How Much Does 2010 Ford Flex Insurance Cost?

Feel like you have an expensive insurance coverage policy? Trust us, many drivers have buyer’s remorse.

Due to the large number of insurance coverage companies to choose from, it can be challenging to find the lowest price insurance coverage company.

Finding the best rates is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Although consumers do need to know the way companies market insurance on the web because it can help you find the best coverage.

Ways to get insurance quotes

There are a variety of methods you can shop for insurance but one way is easier and takes less work. You could waste a few hours talking about coverages with agents in your area, or you can stay home and use online quoting to get the quickest rates.

Most of the best insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each company returns a competitive quote determined by their information. This prevents consumers from doing repetitive form submissions for each company.

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

The one downside to pricing coverage this way is you don’t know exactly the providers to get quotes from. If you wish to select specific insurance companies for rate comparison, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be certain you are entering the exact same information for each comparison quote. If your comparisons have unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Quoting even small variations in insurance coverages may result in a large different in cost. Just keep in mind that more quotes increases the change that you will find a lower rate than you’re paying now. Some smaller insurers to not give quotes online, so you also need to get rates from them, too.

Don’t miss these rate-reducing discounts

Auto insurance companies don’t always advertise every policy discount very well, so we researched a few of the more well known and also the more inconspicuous car insurance savings. If you don’t get every credit available, you could be paying more than you need to.

• Discount for Home Ownership – Just being a homeowner can save a few bucks since home ownership is proof of financial responsibility.
• Discount for Low Mileage – Fewer annual miles on your Ford can qualify you for lower premium rates on the low mileage vehicles.
• Online Discount – Some of the larger companies provide a small discount for signing up over the internet.
• Auto/Home Discount – If you have multiple policies with one company you may earn over 10 percent off each policy depending on the company.
• College Student – who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
• Good Grades Discount – This discount can save 20 to 25%. This discount can apply up until you turn 25.
• New Car Discount – Adding a new car to your policy is cheaper because newer vehicles keep occupants safer.

We need to note that most credits do not apply the the whole policy. Most only reduce specific coverage prices like comp or med pay. So even though you would think adding up those discounts means a free policy, you’re out of luck.

A list of companies and some of the discounts are shown below.

• Geico offers premium reductions for defensive driver, driver training, multi-vehicle, anti-lock brakes, air bags, and multi-policy.
• Travelers policyholders can earn discounts including continuous insurance, save driver, driver training, payment discounts, and home ownership.
• Farm Bureau offers discounts including safe driver, multi-vehicle, 55 and retired, multi-policy, driver training, renewal discount, and good student.
• Liberty Mutual offers discounts for hybrid vehicle, good student, new graduate, multi-policy, new move discount, safety features, and multi-car.
• American Family has savings for accident-free, good student, defensive driver, TimeAway discount, and Steer into Savings.
• Progressive may include discounts for multi-policy, multi-vehicle, good student, online quote discount, and online signing.

If you are trying to find low cost insurance coverage quotes, ask every prospective company which discounts you qualify for. Some discounts listed above may not apply to policies in every state. If you would like to choose from a list of car insurance companies that offer the discounts shown above, click here to view.

Do I need special coverages?

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you could use an agent’s help.

• How much liability do I need to cover my assets?
• Does my 2010 Ford Flex qualify for pleasure use?
• Am I covered if I hit my neighbor’s mailbox?
• Should I buy only the required minimum liability coverage?
• Am I getting all the discounts available?
• Am I insured when driving a different vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Specifics of your insurance policy

Learning about specific coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, damage from a tornado or hurricane and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Ford Flex.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance – Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, loss of income and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverages – Collision insurance covers damage to your Flex resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a building, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses such as surgery, EMT expenses, prosthetic devices, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

One last thing

In this article, we presented many tips how you can lower your 2010 Ford Flex insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the best price on car insurance is with an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced liability coverage limits and found out when filing a claim that it was a big error on their part. The aim is to find the BEST coverage at the best possible price, not the least amount of coverage.

More information can be found below:

• Side Impact Crash Tests (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Insitute)