2009 Ford Flex Car Insurance Rates – 9 Tricks for Cheaper Quotes

Pricey insurance coverage can eat up your savings account and possibly require you to analyze your spending habits. Getting a rate comparison can save money and help to make ends meet.

Vehicle owners have so many auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to get the best deal.

It’s a good idea to compare rates quite often because prices are adjusted regularly by insurance companies. If you had the best deal on Flex coverage six months ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to teach you the tricks you need to know to lower your annual insurance bill.

These nine discounts can lower your insurance rates

Insurance can be pricey, but you may qualify for discounts that you may not even know about. Certain reductions will be credited at quote time, but some must be inquired about prior to getting the savings.

Buy New and Save – Buying a new car model is cheaper because newer models keep occupants safer.
College Student Discount – who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
Multi-Vehicle Discounts – Buying a policy with more than one vehicle with one company could earn a price break for each car.
Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
Smart Student Discounts – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
Organization Discounts – Participating in certain professional organizations is a simple method to lower premiums on your next insurance statement.
Senior Citizen Rates – Drivers that qualify as senior citizens may receive better insurance rates on Flex coverage.
Military Deployment Discount – Being deployed with a military unit can result in better prices.
Discount for Low Mileage – Driving fewer miles may enable drivers to earn cheaper premium rates.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Some of the insurance companies that may offer policyholders most of the discounts above may include but are not limited to:

When comparing rates, check with every company the best way to save money. Some discounts may not apply to policyholders in every state.

Different people need different insurance coverages

When choosing the best insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation might need professional guidance.

Does insurance cover damages from a DUI accident?
Is my custom paint covered by insurance?
How many claims can I have before being cancelled?
How do I insure my teen driver?
Do I have coverage when making deliveries for my home business?
I have a DUI can I still get coverage?
Will I lose any money if I cancel my policy before it expires?
Will my insurance pay for OEM parts?
What are the financial responsibility laws in my state?
How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Liability coverage

Liability insurance provides protection from damage or injury you incur to a person or their property 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 liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like structural damage, loss of income, repair bills for other people’s vehicles, pain and suffering and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as hospital visits, prosthetic devices and pain medications. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, fire damage, damage from flooding and falling objects. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Flex caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, colliding with a tree, scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Ford Flex.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

More quotes. Lower rates.

As you prepare to switch companies, never reduce needed coverages to save money. In many instances, drivers have reduced liability limits or collision coverage only to discover later they didn’t have enough coverage. Your objective should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

Throughout this article, we presented some good ideas how you can shop for 2009 Ford Flex insurance online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from the least-expected company. These companies can often provide lower prices in certain areas as compared to the big name companies such as State Farm and Allstate.