2011 Ford Flex Insurance Rates – 10 Discounts for Best Quotes

Remember that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free insurance policy, insurance companies aren’t that generous.

A few popular companies and a selection of discounts are:

• 21st Century may have discounts that include teen driver, driver training, automatic seat belts, early bird, and anti-lock brakes.
• Progressive may offer discounts for multi-vehicle, online quote discount, online signing, homeowner, and good student.
• State Farm has savings for passive restraint, anti-theft, multiple autos, driver’s education, Drive Safe & Save, and student away at school.
• Nationwide offers discounts including multi-policy, family plan, Farm Bureau membership, anti-theft, defensive driving, and accident-free.
• Esurance offers discounts for Switch & Save, online quote, Pac-12 alumni, DriveSense, renters, and anti-lock brakes.
• The Hartford may include discounts for vehicle fuel type, air bag, driver training, anti-theft, and bundle.

It’s a good idea to ask every company which discounts they offer. Some discounts listed above may not be available in your area.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions might point out whether or not you could use an agent’s help.

• Can I make deliveries for my home business?
• Is my ex-spouse still covered by my policy?
• Do I need replacement cost coverage on my 2011 Ford Flex?
• Am I missing any policy discounts?
• If I drive on a suspended license am I covered?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is pleasure use cheaper than using my 2011 Ford Flex to commute?
• Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Buyer beware of insurance advertising tricks

State Farm, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to tend to make the same promise that you’ll save big if you change your policy. It sounds good, but how can they all claim to save you money? It’s all in the wording.

Insurance companies are able to cherry pick for the right customer that is profitable for them. An example of this type of risk profile might be over the age of 50, insures multiple vehicles, and chooses high deductibles. Anyone who meets those qualifications will most likely get cheap car insurance rates and have a good chance to save when switching.

Consumers who cannot meet the requirements may be required to pay a higher premium which usually ends up with business going elsewhere. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” save that much money. This is how insurance companies can confidently advertise the savings. That is why it’s extremely important to get as many free car insurance quotes as possible. It is impossible to predict which company will have the best rates.

Insurance coverage considerations

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, fire damage, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision insurance covers damage to your Flex caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses such as chiropractic care, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability car insurance – This coverage can cover damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others. It does not 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. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Affordable insurance is out there

You just learned a lot of information how to get a better price on 2011 Ford Flex insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding affordable car insurance. You may even discover the best price on insurance is with a small mutual company. Regional companies may only write in your state and offer lower premium rates compared to the large companies like Allstate and Progressive.

As you prepare to switch companies, do not reduce needed coverages to save money. In many instances, an insured cut physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Additional information can be found on the following sites:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Airbag FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)