Cheaper 2013 Ford Flex Insurance Quotes

Searching for the cheapest insurance coverage rates for your Ford Flex? Locating the cheapest insurance for a Ford Flex can normally be difficult, but you can use the following methods to find lower rates. There is a better way to shop for insurance coverage so you’re going to learn the proper way to price shop coverage on a Ford and get the best price possible from local insurance agents and online providers.

Where can I get cheap insurance?

Getting cheaper 2013 Ford Flex insurance pricing is surprisingly easy. The only thing you need to do is take a few minutes to compare free auto insurance quotes to see which company has inexpensive auto insurance quotes. You can get a good selection of rate quotes using one of these methods.

The fastest way to get the best comparison quotes is a comparison rater form click to view form in new window. This method keeps you from doing boring form submissions for every prospective company. A single form will return quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.

A less efficient way to compare prices consists of going to the website of each company and repeat the quote process again and again. For instance, we’ll assume you are doing a rate comparison from State Farm, Allstate and GMAC. In order to get each rate, you would have to visit each site to enter your coverage information, which can get rather old.

For a handy list of car insurance company links in your area, click here.

The most time-consuming way to find lower rates is to spend your day driving to all the different insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you prefer the guidance only provided by licensed agents. If you prefer, some companies allow you to price shop your coverage online but have your policy serviced through an agent.

Compare rates however you want, just make sure you are using exactly the same quote information with each company. If you enter different liability limits you will not be able to make a fair rate comparison.

Discounts for cheaper car insurance rates

Car insurance is expensive, but there may be some discounts that could drop your premiums quite a bit. A few discounts will be applied when you get a quote, but some may not be applied and must be asked for before they will apply.

  • Payment Method – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
  • Own a Home – Being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • First Accident Forgiveness – but certain companies will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Switch and Save Discount – Some companies reward drivers for buying a new policy prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • Defensive Driver Discounts – Taking time to complete a driver safety course could possibly earn you a 5% discount and make you a better driver.

As a footnote on discounts, many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, it just doesn’t work that way.

Popular car insurance companies and a partial list of their discounts include:

  • Progressive discounts include online quote discount, homeowner, online signing, good student, multi-vehicle, multi-policy, and continuous coverage.
  • GEICO includes discounts for membership and employees, air bags, multi-policy, daytime running lights, emergency military deployment, good student, and federal employee.
  • State Farm may include discounts for anti-theft, good driver, good student, multiple autos, and accident-free.
  • Esurance policyholders can earn discounts including online quote, defensive driver, DriveSense, homeowner, and multi-car.
  • The Hartford offers discounts including bundle, good student, defensive driver, vehicle fuel type, and air bag.

Double check with all companies you are considering which discounts you qualify for. Some credits may not apply in every state. For a list of insurance companies with significant discounts, follow this link.

Choices you make can impact your insurance costs

Multiple criteria are used in the calculation when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are less obvious such as your marital status or how financially stable you are.

Listed below are some of the major factors companies use to determine your premiums.

  • Choose high safety ratings and save – Cars with five star safety ratings tend to be cheaper to insure. Safer cars result in less severe injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Ford Flex is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Alarms and GPS tracking lower prices – Owning a car that has a built-in theft deterrent system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.
  • Use credit responsibly and save – Your credit score is likely to be a major factor in calculating your premium rate. If your credit score is low, you could save money insuring your 2013 Ford Flex by spending a little time repairing your credit. People with very high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit.
  • Never go without car insurance – Having a gap between insurance policy dates will be a quick way to increase your renewal premiums. In addition to paying higher rates, failure to provide proof of insurance can result in a license revocation or jail time. You may have to file a SR-22 with your state DMV.
  • Save money by eliminating extra coverages – There are a lot of additional coverages you can purchase if you don’t pay attention. Add-on coverages like rental car coverage, better glass coverage, and additional equipment coverage are probably not needed. They may seem good when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
  • Single drivers take more risk – Your spouse may cut your premiums on your policy. It demonstrates that you tend to be less irresponsible and insurance companies like that being married results in fewer claims.
  • High deductibles cost less – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your vehicle. A few examples of covered claims would be a broken windshield, hail damage, and rolling your vehicle. Comp and collision deductibles define how much you are willing to pay in the event of a claim. The more of the claim the insured is willing to pay, the bigger discount you will receive on Flex coverage.
  • Save annual miles and save money – The more you drive annually the higher your rates will be. A lot of insurance companies charge rates based on how the vehicle is used. Cars not used for work or commuting can get a lower rate than those used for commuting. Verify your car insurance declarations sheet states the correct driver usage. An improperly rated Flex is throwing money out the window.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Will filing a claim cost me more?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving a rental car?
  • Is my nanny covered when driving my vehicle?
  • When would I need additional glass coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Are rock chip repairs covered?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Drivers who switch save $428 a year? Really?

Drivers can’t get away from all the ads for cheaper insurance by 21st Century, Allstate and State Farm. All the ads seem to make the promise that drivers will save a bundle if you move to them.

How do they all charge lower premium rates? Just pay attention to how they say it.

Most companies look for specific characteristics for the type of driver they prefer to insure. A good example of this type of driver could be married and over the age of 30, has few claims, and drives a lower-performance vehicle. A customer who meets those qualifications is entitled to the best price and will also cut their rates if they switch.

Drivers who don’t meet these criteria may receive more expensive rates which usually ends up with the customer buying from someone else. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make the claims of big savings. Because every company is different, drivers must compare as many free auto insurance quotes as you can. It’s not possible to predict which company will have the lowest rate quotes.

Educate yourself about insurance coverages

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like X-ray expenses, doctor visits, surgery and nursing services. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Ford Flex.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance

This will cover damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as court costs, bail bonds and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, scraping a guard rail, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, rock chips in glass, fire damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More choices the merrier

Consumers who switch companies do it for any number of reasons including not issuing a premium refund, poor customer service, delays in paying claims or denial of a claim. Regardless of your reason for switching companies, finding a new insurance coverage company is pretty easy and you might even save some money in the process.

We just showed you many tips how you can shop for 2013 Ford Flex insurance online. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding cheap auto insurance. Drivers may discover the lowest premium rates come from a company that doesn’t do a lot of advertising.

As you quote auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured cut physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

Additional information is located at the links below

Comments About 2013 Ford Flex Insurance

  1. Dana Boyle

    Hope my car insurance gets cheaper. I’m in the north part of Lexington, Kentucky. Got car insurance quotes from Travelers, AIG Insurance, Liberty Mutual, and MetLife for my Flex and am saving around $190 a year. Was with Travelers.

  2. Ema Pate

    It’s all a rip off. I live in a small town just outside of Colorado Springs, CO. Quoted a bunch of companies. Saved roughly $60 a month. 21st Century was the most affordable for me. You can get a rate quote online.

  3. Chelsey Barlow

    Does Tennessee have minimum liability laws?

  4. Laila Hamilton

    Is State Farm cheaper than Progressive in Rutland, VT?

  5. Terrie Robinson

    Any claims experience with Allstate in Omaha, NE?

  6. Ivonne Hatfield

    Is 21st Century cheap in Fargo, North Dakota?

  7. Susana Martinez

    Will State Farm cancel me for an at-fault accident?

  8. Giovanna Brown

    Corporate greed I’m telling you. I live in a small town just outside of Gulfport, MS. I compared lots of rates. Saved about $50 a month. Allstate was the most affordable for me. Thankfully I’m not a high risk driver. You can get a rate quote online.

  9. Racheal Pruitt

    All insurance companies are crooks.