Cheaper 2013 Ford Flex Car Insurance Quotes

Nobody fancies paying their premiums for car insurance, particularly when they could lower their rates if they shopped around.

Companies like Geico, Farmers Insurance and State Farm all claim big savings, bombarding you with ads and it can be hard to see through the deception and find the best price available.

Consumers need to get comparison quotes yearly because prices change quite often. Just because you found the best quotes on Flex insurance six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Choosing the best insurance company for you is not rocket science. Although car owners should learn the methods companies use to price online insurance.

Buy lower-cost insurance with these tips

Consumers need to have an understanding of the factors that come into play when calculating insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that may reward you with big savings.

  • Your address can impact rates – Having an address in small towns and rural areas may provide you with better prices when talking about insurance. Fewer drivers and short commutes translates into fewer accident claims and lower theft and vandalism rates. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Spending more time driving means more chances of being involved in an auto accident.
  • Married people drive safer – Walking down the aisle may save some money when buying insurance. Having a significant other usually means you are more stable financially it has been statistically shown that drivers who are married are more cautious.
  • Bad credit hurts insurance prices – An insured’s credit rating will be a significant factor in calculating your insurance rates. People that have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. Therefore, if your credit is low, you could be paying less to insure your 2013 Ford Flex by repairing your credit.
  • When should you file a insurance claims? – If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Companies provide most affordable rates to people who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.

Buy insurance coverage online

To find the best insurance coverage rates, there are several ways of comparing rates from many insurance coverage companies in your state. The recommended way to find the cheapest 2013 Ford Flex insurance rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for separate quotes for every company. One quote request will return quotes direct from many companies.
  2. A harder way to compare rate quotes consists of going to each company website and fill out a new quote form. For instance, let’s say you want to get rates from Nationwide, Liberty Mutual and Farmers. In order to get each rate, you would have to go to each individual site to enter the same coverage data repeatedly, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.
  3. Even if you have time, the least recommended method to compare price estimates is to waste gas driving to insurance agencies in your area. Quoting online makes this process obsolete unless you have a complicated situation and need the trained advice of a local agency. Some companies do allow you to get prices online but have a local agent actually write the policy.

However you get your quotes, be certain you are entering the same information on every quote you get. If you compare different values for each quote you will not be able to determine which rate is truly the best. Slightly different coverages may result in a large different in cost. And when comparing insurance coverage rates, know that more quotes provides better odds of finding lower pricing.

Lower rates by qualifying for discounts

Insurance coverage is expensive, but there may be some discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but a few need to be inquired about prior to receiving the credit. If you do not check that you are getting every discount available, you are paying more than you should be.

  • Senior Citizen Discount – If you qualify as a senior citizen, you may receive a small discount on rates on Flex insurance.
  • Low Mileage – Low mileage vehicles can earn discounted prices on garaged vehicles.
  • Paperwork-free – Many larger companies will give a small break for buying your policy on the web.
  • ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions so companies give up to a 10% discount.
  • Safety Course Discount – Taking part in a defensive driving course could earn you a small percentage discount and easily recoup the cost of the course.
  • Switch and Save Discount – Some insurance companies provide a discount for buying a new policy prior to your current policy expiring. It can save you around 10%.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Anti-theft Discount – Cars and trucks that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.

We need to note that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way.

Companies and some of the discounts are shown below.

  • 21st Century offers discounts for anti-lock brakes, good student, driver training, automatic seat belts, and homeowners.
  • Progressive may include discounts for online quote discount, online signing, multi-policy, continuous coverage, multi-vehicle, good student, and homeowner.
  • State Farm may have discounts that include multiple autos, good driver, good student, Drive Safe & Save, defensive driving training, and multiple policy.
  • Nationwide may offer discounts for business or organization, family plan, good student, defensive driving, Farm Bureau membership, multi-policy, and anti-theft.
  • Esurance offers discounts including good student, claim free, defensive driver, renters, homeowner, and online shopper.
  • The Hartford has discounts for defensive driver, anti-theft, good student, driver training, bundle, air bag, and vehicle fuel type.

Before purchasing a policy, check with every company which discounts you qualify for. Some discounts listed above may not apply to policies everywhere.

Auto insurance is unique, just like you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight whether or not you will benefit from professional help.

  • Does my medical payments coverage pay my health insurance deductible?
  • If my 2013 Ford Flex is totaled, can I afford another vehicle?
  • I don’t drive much so do I pay less?
  • Can I get a multi-policy discount?
  • Does coverage extend to Mexico or Canada?
  • How does medical payments coverage work?
  • Are rock chip repairs covered?
  • Is my babysitter covered when using my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

This will pay to fix damage to your Flex resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb, scraping a guard rail, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, theft and fire damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

This will cover damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as structural damage, attorney fees, legal defense fees, pain and suffering and bail bonds. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as hospital visits, funeral costs, X-ray expenses, rehabilitation expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

A tidy conclusion

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice full coverage only to regret at claim time that they should have had better coverage. Your objective should be to buy a smart amount of coverage at the best possible price.

We just showed you some good ideas how to save on 2013 Ford Flex insurance. The key thing to remember is the more companies you get prices for, the better your comparison will be. Drivers may discover the biggest savings come from an unexpected company. These smaller insurers can often provide lower prices in certain areas compared to the large companies like State Farm, Geico and Nationwide.

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