Cheaper 2015 Ford Flex Car Insurance Rates

Searching for the cheapest car insurance rates for your Ford Flex? Have you finally had enough of scraping nickels together each month for car insurance? You are in the same boat as millions of other people.

There are many insurance companies to choose from, and though it is a good thing to have multiple companies, having more insurers makes it harder to compare company pricing.

The best way to compare car insurance company rates is to know the trick almost all companies pay for the opportunity to provide you with free rate quotes. To begin a comparison, all you need to do is take a few minutes to give details such as the year, make and model of vehicles, your occupation, how much education you have, and whether you have decent credit. The data gets transmitted to multiple different insurance companies and you will receive price estimates instantly.

Take advantage of every auto insurance discount

Companies that sell car insurance don’t list every policy discount in an easy-to-find place, so the list below contains some of the best known and the more hidden discounts that you can inquire about if you buy auto insurance online.

• Multi-Vehicle Discounts – Buying coverage for multiple cars with the same auto insurance company can get a discount on all vehicles.
• Payment Method – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
• Discounts for Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less for Flex coverage than drivers with accident claims.
• Homeowners Discount – Owning your own home or condo can save a few bucks because owning a home requires a higher level of personal finance.
• Club Memberships – Affiliation with qualifying employment or professional organizations may earn a discount on your next auto insurance statement.
• Waiver for an Accident – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual will forgive one accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
• Discount for Low Mileage – Low annual miles can earn substantially lower prices.
• New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because newer models are generally safer.
• Seat Belt Discounts – Drivers who require all occupants to use a seat belt can save 10% or more off the medical payments premium.

We need to note that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.

Some of the insurance companies that have many of the previously listed discounts include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

Before buying, ask each insurance company how you can save money. Some of the earlier mentioned discounts may not be available in your state.

Why your insurance rates might be higher

Many factors are considered when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but others are less obvious like where you live or your commute time.When buying auto insurance it’s important to understand the different types of things that come into play when calculating the level of your policy premiums. If you understand what determines base rates, this allows you to make educated decisions that could help you find much lower annual insurance costs.

• Get hitched and get better premiums – Being married can actually save you money compared to being single. Having a spouse may mean you are more responsible and statistics show married drivers tend to file fewer claims.
• With age comes responsibility – Teen drivers have been known to be inattentive in a vehicle therefore auto insurance rates are much higher. Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims and are safer drivers.
• Safer the car lower the rate – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety reduce injuries and fewer injuries means less money paid by your insurance company and lower rates for you. If your Ford is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Cut auto insurance rates and deter theft – Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
• Prevent policy lapses – Having a lapse in insurance coverage is a fast way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage might get you a steep fine or even jail time.
• Males are more aggressive – Statistics have proven women are more cautious behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but males tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving.
• Liability is cheap – Liability coverage provides coverage in the event that a court rules you are at fault for personal injury or accident damage. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so do not cut corners here.

How to know if you need help

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine whether or not you may require specific advice.

• Are all vehicle passengers covered by medical payments coverage?
• Does my insurance cover a custom paint job?
• Am I covered if I wreck a rental car?
• Can my teen driver be rated on a liability-only vehicle?
• Why am I required to buy liability insurance?
• What happens if I owe more than my 2015 Ford Flex is worth?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Brand name doesn’t guarantee savings

Big name companies like Geico, State Farm and Progressive continually stream ads on television and other media. They all seem to convey the message that people will save if you change your coverage. How do they all cost less than your current company? This is how they do it.

Insurance providers provide the lowest rates for the type of driver that will most likely be profitable. One example of a preferred risk might be described as a married female, owns a home, and insures a new vehicle. Anyone who matches those parameters receive the lowest rate quotes and will save money with a new company.

Insureds who don’t meet the requirements must pay a more expensive rate and the customer not purchasing. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” save money. That’s why insurance companies can confidently make those claims. This really emphasizes why it’s extremely important to compare as many free auto insurance quotes as you can. It’s just too difficult to predict which auto insurance company will give you lower premium rates than your current company.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage gives you 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 have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, 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 such as pain and suffering, loss of income, bail bonds and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your Flex from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, colliding with another moving vehicle, hitting a mailbox, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Quote more, save more

The cheapest 2015 Ford Flex insurance is available from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. Some companies may not offer online price quotes and these small insurance companies sell through independent agents.

As you quote auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Much more information about insurance coverage can be found at the links below

• Where can I buy Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• What is Gap Insurance? (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)