2010 Ford Flex Car Insurance Quotes – 8 Tips for Best Rates

Feel like you’re a prisoner to overpriced auto insurance? Trust us, there are many people just like you.

Companies like Progressive, State Farm and Geico continually hit you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Consumers need to compare premium rates at least once a year because prices are usually higher with each renewal. Just because you found the best price on Flex insurance six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn the best way to eliminate unnecessary coverages and save money.

If you currently have car insurance, you will be able to cut costs considerably using this strategy. Finding the best rates is not rocket science. Nevertheless, drivers must learn how big insurance companies price online insurance and apply this information to your search.

Which car insurance is cheapest?

There are several ways of comparing rates from different insurance companies. The fastest way to do a complete rate comparison is to get quotes online. This can be done in a couple of different ways.

  1. One of the fastest ways to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form saves time by eliminating separate quotation requests for each company. Filling out one form will return price quotes from several companies.
  2. A harder way to get quotes online is going to the website for each individual company and fill out a new quote form. For sake of this example, we’ll assume you want to compare Allstate, State Farm and Liberty Mutual. In order to compare rates, you need to take the time to go to each site to enter the same coverage data repeatedly, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.
  3. The old school method to shop rates is actually driving to different agent offices. Quoting and buying insurance online makes this process obsolete unless you prefer the professional guidance of an agent trained in personal lines coverage. Some companies do allow you to compare the best prices online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but make sure you are using the same coverage limits and deductibles for each quote you get. If you have higher or lower deductibles you will not be able to truly determine the lowest rate. Quoting even small variations in coverages may result in a large different in cost. It’s important to know that quoting more will improve the odds of getting the best offered rates. Some regional insurers cannot provide prices over the internet, so it’s recommended that you also compare rates from them as well.

Find hidden discounts on car insurance

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that you may not even be aware of. Some discounts will apply at the time of quoting, but some may not be applied and must be asked about before you get the savings.

  • Renewal Discounts – A few insurance companies allow discounts for buying a new policy early. Ten percent is about the average savings.
  • College Student Discount – who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote auto insurance on Flex insurance but check with your company.
  • Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Own a Home and Save – Owning a home may earn you a small savings because it shows financial diligence.
  • Safe Drivers – Drivers who don’t get into accidents can save as much as half off their rates on Flex insurance compared to rates paid by drivers with frequent claims.
  • Drivers Ed for Students – Have your child enroll in driver’s education as it can save substantially.
  • Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.

It’s important to note that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

A few of the larger companies and some of the discounts are included below.

  • Farm Bureau discounts include good student, youthful driver, renewal discount, 55 and retired, multi-policy, and multi-vehicle.
  • Liberty Mutual may have discounts that include multi-car, new graduate, safety features, new move discount, preferred payment discount, and multi-policy.
  • State Farm has discounts for multiple policy, good driver, multiple autos, driver’s education, Drive Safe & Save, passive restraint, and safe vehicle.
  • Auto-Owners Insurance includes discounts for anti-theft, student away at school, air bags, company car, safe vehicle, and safe driver.
  • Geico policyholders can earn discounts including five-year accident-free, seat belt use, multi-policy, federal employee, military active duty, and air bags.
  • SAFECO may include discounts for drive less, anti-lock brakes, accident prevention training, teen safe driver, teen safety rewards, and bundle discounts.

Check with every company how you can save money. Some discounts listed above may not be offered in every state. If you would like to choose from a list of car insurance companies with discount car insurance rates, click here to view.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Is my custom paint covered by insurance?
  • Who is covered by my policy?
  • Does medical payments coverage apply to all occupants?
  • Does liability extend to a camper or trailer?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my teen driver covered when they drive my company car?
  • Why is insurance for a teen driver so high?
  • Who is covered when they drive my 2010 Ford Flex?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance policy coverages for a Ford Flex

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, fire damage, falling objects, damage from flooding and hitting a deer. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Ford Flex.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability

This coverage provides protection from damage that occurs to other people or property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This coverage pays for damage to your Flex from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, rolling your car, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage pay for expenses for things like hospital visits, pain medications and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

A penny saved is a penny earned

When buying insurance coverage, you should never reduce coverage to reduce premium. In many cases, consumers will sacrifice comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

We just covered some good ideas how you can get a better price on 2010 Ford Flex insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable auto insurance. Drivers may discover the lowest priced insurance comes from some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower prices compared to the large companies like Allstate, Geico and Progressive.

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