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.
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.
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.
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.
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.
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.
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.
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.
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.
In Phoenix, Arizona try State Farm or GEICO. Both had decent prices.
Lots of useful info here. Went with Farmers for my Flex and am saving around $160 a year. Left GEICO to switch.
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.
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.
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.
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.
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.
I’m in Newark, New Jersey and for me 21st Century had the lowest quote. BTW speeding tickets are not good.
Does Progressive insure after a DUI?
I switched to State Farm. Quoted good rates in Bridgeport, CT. Are quotes cheaper online?
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.
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
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.