Cheap 2012 Ford Flex Car Insurance Rates

Locating lower priced car insurance might seem rather difficult for consumers not familiar with shopping for insurance on the web. With so many insurance agents and insurers available, how can consumers have time to compare every possible option in order to find cheaper car insurance rates?

What impacts Ford Flex insurance prices?

Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but others are not quite as obvious such as whether you are married or your commute time.Consumers need to have an understanding of the factors that play a part in calculating your insurance rates. If you have some idea of what controls the rates you pay, this allows you to make good choices that may reward you with lower rates.

The list below includes just a few of the factors used by insurance companies to determine your rates.

  • Mileage impacts rates – The higher the miles on your Ford every year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based upon how you use the vehicle. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. It’s a smart idea to ensure your declarations sheet reflects the correct usage. An incorrectly rated Flex is throwing money out the window.
  • Tickets increase costs – Whether or not you get tickets has a big impact on rates. Even a single citation may increase your cost twenty percent or more. Careful drivers pay less for auto insurance than bad drivers. Drivers who have gotten dangerous citations like reckless driving or DUI may need to prove financial responsibility with the DMV in their state in order to continue driving.
  • Insurance rates in urban areas – Residing in a rural area has it’s advantages if you are looking for the lowest rates. City drivers have congested traffic and more severe claims. Fewer people means reduced accidents and lower theft and vandalism rates.
  • Frequent claims increase insurance rates – If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Car insurance companies give the best rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Guys tend to take more risk – The statistics show that females take fewer risks when driving. However, this does not mean men are worse drivers. Males and females cause accidents at a similar rate, but the men have costlier accidents. They also have more aggressive citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and therefore are the most expensive to insure.
  • Raising comp and collision deductibles lowers premiums – Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some instances where coverage would apply would be colliding with a building, hail damage, and burglary. Physical damage deductibles represent how much money you are willing to pay if the claim is covered. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be for Flex coverage.

Insurance coverage rates and discounts

Insurance can be prohibitively expensive, but you may qualify for discounts to reduce the price significantly. Some of these disounts will be visible when you quote, but a few must be inquired about in order for you to get them.

  • Multiple Vehicles – Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Mature Driver Discount – Drivers over the age of 55 may qualify for lower premium rates for Flex coverage.
  • ABS Brakes – Cars with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Buy New and Save – Insuring a new car can get you a discount because new model year vehicles have to meet stringent safety requirements.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a break if you buy some life insurance too.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more off the medical payments premium.
  • Distant College Student Discount – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.

It’s important to understand that most discount credits are not given to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn’t work that way.

If you would like to choose from a list of insurance companies who offer insurance coverage discounts, click this link.

Situations that may require an agent’s advice

When it comes to buying adequate coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I have combined single limit or split liability limits?
  • Does my policy cover me when driving someone else’s vehicle?
  • When should I drop full coverage on my 2012 Ford Flex?
  • How much liability insurance is required?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage breakdown

Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

This protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles, bail bonds and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision insurance

This coverage covers damage to your Flex resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, sustaining damage from a pot hole, rolling your car and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for nursing services, prosthetic devices, chiropractic care, pain medications and dental work. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

This coverage pays to fix your vehicle from 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 pays for claims such as damage from getting keyed, damage from a tornado or hurricane, theft and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Smart shoppers get results

Consumers leave their current company for a variety of reasons including high prices, an unsatisfactory settlement offer, not issuing a premium refund or lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

When buying insurance coverage, never sacrifice coverage to reduce premiums. In many cases, an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at a price you can afford, but do not skimp to save money.

In this article, we presented a lot of information how to compare 2012 Ford Flex insurance auto insurance rates online. The key thing to remember is the more you quote car insurance, the higher your chance of finding cheap car insurance. Consumers may even find the best auto insurance rates are with some of the smallest insurance companies.

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