Compare 2014 Ford Flex Insurance Cost

Trying to find the cheapest insurance for your Ford Flex can be a lot of work, but you can learn these tips to save time.

There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to price shop coverage for a Ford and find the lowest possible price from both online companies and local agents.

How to buy insurance

Effectively comparing insurance prices can be a lot of work if you don’t utilize the most efficient way to do it. You can spend countless hours talking to insurance agencies in your area, or you can utilize online quotes to get rates in a matter of minutes.

All the larger companies enroll in a system where insurance shoppers complete one form, and every company then gives them pricing for coverage. This saves time by eliminating quote forms for each company. To find out how much you’re overpaying now click here to start a free quote.

The only drawback to pricing coverage this way is you are unable to specify which providers to get pricing from. So if you prefer to pick specific providers to compare prices, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you compare apples-to-apples coverage limits and deductibles on every quote you get. If you use higher or lower deductibles it will be next to impossible to determine the lowest rate for your Ford Flex.

Buyer beware of insurance coverage advertising tricks

Consumers get pounded daily by advertisements for cheaper insurance coverage from companies such as Allstate, Geico and Progressive. All the ads convey the message that people will save if you just switch your insurance coverage policy to them.

How does every company offer you a better deal? Here is the trick they use.

Most companies have specific characteristics for a prospective insured that will be a good risk. A good example of a driver they prefer could possibly be married and over the age of 30, has other policies, and drives less than 7,500 miles a year. Someone who fits that profile will get the preferred premium rates and is almost guaranteed to save some money.

Insureds who are not a match for the “perfect” profile must pay higher prices which translates to the customer buying from someone else. If you pay close attention to the ads, they say “people who switch” not “all people who quote” save that much when switching. That’s the way companies can truthfully claim big savings.

Because of these techniques, it is so important to do a price quote comparison at every renewal. It is impossible to predict the company that will provide the lowest prices.

Take advantage of every car insurance discount

Some providers don’t list every policy discount very well, so below is a list both well-publicized in addition to some of the lesser obvious credits available to bring down your rates. If you check and find you aren’t receiving every discount available, you could be getting lower rates.

• Federal Employees – Active or retired federal employment could cut as much as 10% off for Flex coverage with a few car insurance companies.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
• College Student – College-age children who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
• Senior Discount – Seniors can get a slight reduction on a auto insurance quote for Flex coverage.
• Membership in Organizations – Being a member of certain professional organizations may earn a discount on car insurance.

Keep in mind that most discount credits are not given the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you could get a free car insurance policy, it doesn’t quite work that way.

Larger car insurance companies and a selection of discounts are outlined below.

• Mercury Insurance offers discounts for ease of repair, accident-free, type of vehicle, good student, and age of vehicle.
• Farmers Insurance may have discounts that include pay in full, multi-car, mature driver, business and professional, good student, and electronic funds transfer.
• Farm Bureau may offer discounts for safe driver, multi-vehicle, multi-policy, 55 and retired, good student, renewal discount, and driver training.
• State Farm discounts include driver’s education, student away at school, Steer Clear safe driver discount, good driver, good student, defensive driving training, and anti-theft.
• Allstate has discounts for FullPay discount, EZ pay plan discount, multi-policy, auto/life discount, and good payer.
• Geico policyholders can earn discounts including multi-vehicle, seat belt use, multi-policy, driver training, and military active duty.

When getting free auto insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. Savings might not be available to policyholders in your area. To find insurers with discount car insurance rates, click here to view.

How to know if you need help

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover whether you might need professional guidance.

• Am I covered when driving in Canada or Mexico?
• What are the best liability limits?
• How can I get high-risk coverage after a DUI?
• Does having multiple vehicles earn me a discount?
• Does my medical payments coverage pay my health insurance deductible?
• Do I have coverage when pulling a U-Haul trailer?
• I don’t drive much so do I pay less?
• What can I do if my company denied a claim?
• If my 2014 Ford Flex is totaled, can I afford another vehicle?
• Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Car insurance coverages explained

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance – Liability insurance protects you from injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, pain and suffering, court costs and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision – This covers damage to your Flex resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, doctor visits, dental work, prosthetic devices and chiropractic care. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield, fire damage, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they 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 2014 Ford Flex.

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 a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

More effort can pay off

People leave their current company for a number of reasons such as policy non-renewal, unfair underwriting practices, delays in paying claims or questionable increases in premium. Regardless of your reason for switching companies, switching insurance companies can be easy and end up saving you some money.

Lower-priced insurance can be sourced on the web as well as from insurance agents, and you should compare rates from both to have the best selection. Some companies don’t offer internet price quotes and many times these small insurance companies work with independent insurance agencies.

In this article, we presented many ideas to reduce 2014 Ford Flex insurance rates online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding cheaper auto insurance. Consumers may even find the lowest rates are with some of the lesser-known companies.

For more information, take a look at the following helpful articles:

• Older Drivers FAQ (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Get the Right Protection (InsureUonline.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)