2016 Ford Flex Insurance Quotes

Searching for cheaper insurance coverage rates for your Ford Flex? No car owner anticipates paying for insurance coverage, in particular when they could find better rates elsewhere. Many insurers vie for your business, so it can be very hard to choose a insurer to find the lowest rate

If you are insured now or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Finding the best rates is quite easy. Drivers just need to learn the proper way to get comparison rates over the internet.

Get lower-cost rates with discounts

Some insurers don’t always list all disounts in an easy-to-find place, so the list below details both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online. If you do not check that you are getting every discount available, you could be getting lower rates.

  • Switch and Save Discount – Select insurance companies give a discount for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Military Discounts – Having an actively deployed family member can result in better insurance rates.
  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you could save 5% or more.

As a footnote on discounts, many deductions do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

If you would like to view companies who offer online insurance quotes, click here.

Buy car insurance online

Effectively comparing car insurance prices can be challenging if you don’t know the most efficient way. You could waste time driving to insurance agencies in your area, or you can stay home and use online quoting to get pricing more quickly.

The majority of car insurance companies belong to an insurance system where prospective buyers send in one quote, and every company returns a competitive quote. This eliminates the need for quote forms for each company you want a rate for. To participate in this free quote system, click here (opens in new window).

The single downside to comparing rates this way is you are unable to specify the companies you want pricing from. So if you prefer to choose from a list of companies to compare prices, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using the exact same coverages with each company. If you are comparing different deductibles you will not be able to get a fair rate comparison.

Ford Flex insurance premiums can be more affordable

Part of the insurance coverage buying process is learning a few of the rating criteria that help calculate the rates you pay for insurance coverage. When you understand what determines base rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs. Many different elements are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other factors are less apparent such as your credit history or how financially stable you are.

  • If you don’t need it don’t buy it – There are a lot of extra coverages that you can get tricked into buying if you don’t pay attention. Coverage for things like rental car reimbursement, accident forgiveness, and extra equipment coverage may be wasting your money. These may sound like a good investment when discussing your needs, but if you don’t need them remove them from your policy.
  • Increase deductibles and save – Comp and collision deductibles are how much the insured will be required to pay in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, damage from fire, and having a roll-over accident. The more expense the insured is willing to pay, the better rate you will receive for Flex coverage.
  • Tickets and citations cost more than a fine – How you drive influences premium rates substantially. Only having one driving citation can increase rates to the point where it’s not affordable. Drivers with clean records have lower premiums as compared to those with violations. Drivers who have license-revoking violations such as reckless driving or DUI may be required to prove financial responsibility with their state’s licensing department in order to legally drive a vehicle.
  • Better premiums on safer cars – Safe vehicles cost less to insure. Safer cars help reduce the chance of injuries in an accident and fewer injuries means lower claim amounts which can result in lower premiums. If your Ford Flex scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Insurance rates in urban areas – Residing in areas with lower population can be a good thing when insuring your vehicles. Residents of big cities tend to have more aggressive driving styles and more severe claims. Less people means a lower chance of having an accident and a lower car theft rate.

What is the best auto insurance coverage?

When it comes to buying coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can aid in determining whether you may require specific advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need replacement cost coverage on my 2016 Ford Flex?
  • I have a DUI can I still get coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does car insurance cover theft of personal property?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Having a good grasp of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, surgery, funeral costs and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverages – This coverage will pay to fix damage to your Flex resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, falling objects, theft, vandalism and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Liability car insurance – This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Saving money is sweet as honey

When searching for affordable auto insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

There are still a few companies who may not offer online price quotes and usually these smaller companies only sell through local independent agencies. Lower-priced 2016 Ford Flex insurance can be sourced on the web and also from your neighborhood agents, so you need to compare both to get a complete price analysis.

Throughout this article, we presented quite a bit of information on how to lower your 2016 Ford Flex insurance prices. The most important thing to understand is the more companies you get rates for, the better likelihood of getting affordable auto insurance. Consumers may even find the best price on auto insurance is with a smaller regional carrier. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.

Helpful resources

Comments About 2016 Ford Flex Insurance

  1. Frankie Sosa

    In Phoenix, Arizona try State Farm or GEICO. Both had decent prices.

  2. Kathleen Boyd

    Lots of useful info here. Went with Farmers for my Flex and am saving around $160 a year. Left GEICO to switch.

  3. Carleen Hopper

    IT’S ALL TOO EXPENSIVE! I’m in the north part of Burlington, VT. Checked online prices for a 2016 Ford Flex. Ended up at about $220 savings annually. Went with Allstate.

  4. Jene Alexander

    Thanks for putting this site together. I live on the south side of Memphis, Tennessee. Received rates from MetLife, Erie, GEICO, and Amica for my 2016 Ford Flex and saved just over $260 a year. Even increased coverage a bit.

  5. Terry Hardin

    Affordable car insurance is a myth. I live in a small town just outside of Louisville, Kentucky. Went online for free insurance quotes for a 2016 Ford Flex. Ended up at about $520 savings annually. Went with GEICO. Was with Hanover. A clean driving record helps.

  6. Rebecka Weiss

    I got a good deal I think. I live in a small town just outside of Billings, Montana. Checked online prices for a 2016 Ford Flex. Ended up at about $210 savings annually. Went with Allstate. Even increased my liability limits.

  7. Denver Vega

    I was with The General last year but switched to State Farm. I live on the west side of Little Rock, AR. I quoted rates online then called them.

  8. Fred Hughes

    I’m in Newark, New Jersey and for me 21st Century had the lowest quote. BTW speeding tickets are not good.

  9. Kristine Blankenship

    Does Progressive insure after a DUI?

  10. Levi Knight

    I switched to State Farm. Quoted good rates in Bridgeport, CT. Are quotes cheaper online?

  11. Dane Church

    In Sioux Falls, SD, Amica had the best rates for my 2016 Ford Flex. Left State Farm to switch. Online quotes are the way to go.

  12. Kallie Pierce

    Cheap is relative. From east side of Juneau, AK. I got free quotes with 21st Century, AIG Insurance, Esurance, and Liberty Mutual for my Flex and saved $441 a year. :P

  13. Lacy Humphrey

    Good detail in your article. Got a quote with The General for my Flex and saved about $300 a year. Insured with USAA before. I have several vehicles insured with them.