How Much Does 2014 Ford Flex Insurance Cost?

Searching for cheaper insurance coverage rates for your Ford Flex? Locating cheaper insurance for a new or used Ford Flex can be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the best way to quote coverages on a Ford and locate the best price possible.

How to lower your insurance coverage cost

Performing a rate comparison can be a daunting task if you don’t understand the most efficient way to do it. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize online quoting to achieve your goal.

All the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company provides a quote. This system prevents you from having to do quote forms to every company.

To compare pricing click to open in new window.

One minor caviat to comparing rates this way is that consumers can’t choose the providers you will receive quotes from. If you wish to select from a list of companies to compare prices, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare identical coverages on every price quote you get. If each company quotes mixed coverages then you won’t be able to get a fair rate comparison.

You are unique and your car insurance should be too

When choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions may help you determine whether you would benefit from professional advice.

  • Am I covered if I crash into my own garage door?
  • When can my company non-renew my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I remove comp and collision on my 2014 Ford Flex?
  • Can I afford to pay high deductible claims out of pocket?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do all my vehicles need collision coverage?
  • Do I need roadside assistance coverage?
  • What exactly is covered by my policy?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Insurance specifics

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance – This can cover damage or injury you incur to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as structural damage, medical services, repair costs for stationary objects, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision – Collision coverage covers damage to your Flex resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, crashing into a ditch, colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive protection – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a bird and fire damage. The highest amount a 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.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses such as dental work, funeral costs, ambulance fees, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage