View 2015 Ford Flex Insurance Quotes

Finding low-cost insurance for a Ford Flex could be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are both good and bad ways to shop for insurance coverage and we’ll show you the absolute fastest way to compare rates for your Ford and get the best price possible either online or from local insurance agents.

It’s smart to shop coverage around on a regular basis because rates tend to go up over time. Despite the fact that you may have had the best rate for Flex insurance two years ago there is a good chance you can find better prices now. Block out anything you think you know about insurance coverage because you’re about to find out one of the easiest ways to find better coverage at a better price.

Get cheaper insurance coverage quotes with discounts

Insurance can be prohibitively expensive, but there could be significant discounts to help offset the cost. Some of these disounts will be visible when you quote, but lesser-known reductions have to be requested specifically before you get the savings. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Passenger Safety Discount – Options like air bags can qualify for discounts of more than 20%.
  • Driver’s Education for Students – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
  • Discount for Multiple Policies – If you can combine your homeowners and auto policy with one insurance company you could earn a discount of at least 10% off all policies.
  • Federal Government Employee – Active or former government employment could cut as much as 10% off for Flex insurance depending on your company.
  • Driving Data Discount – Drivers who agree to allow their insurance coverage company to spy on their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
  • Accident Forgiveness – Not really a discount, but companies like Allstate, State Farm and Geico permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote as compared to bad drivers.
  • Online Discount – A few insurance companies will give a small break for completing your application digitally online.
  • ABS Braking Discount – Cars with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.

Keep in mind that some credits don’t apply the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Larger insurance coverage companies and their possible discounts can be found below.

  • Progressive may offer discounts for online quote discount, homeowner, multi-policy, continuous coverage, and good student.
  • Geico may have discounts that include daytime running lights, membership and employees, good student, multi-policy, and military active duty.
  • State Farm policyholders can earn discounts including multiple policy, multiple autos, passive restraint, student away at school, and Steer Clear safe driver discount.
  • Esurance has savings for Pac-12 alumni, online quote, multi-policy, emergency road assistance, defensive driver, and good driver.
  • The Hartford offers discounts including defensive driver, bundle, anti-theft, vehicle fuel type, good student, driver training, and air bag.

If you need affordable insurance coverage quotes, ask every prospective company the best way to save money. Some discounts listed above might not be offered in your state. To locate companies that offer some of these discounts, click here to view.

Low cost car insurance prices

Getting a cheaper price on 2015 Ford Flex insurance is actually easier than you may think. Drivers just need to invest a little time getting comparison quotes to see which company has cheap insurance coverage quotes. This is very easy and can be done using a couple different methods.

  • One of the best ways to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quote forms for each company you want a rate for. One form will get you price quotes from multiple companies. This is by far the quickest method.
  • A more difficult way to compare rate quotes requires visiting each individual company website to request a price quote. For instance, we’ll pretend you want rates from State Farm, Progressive and Liberty Mutual. You would be required to take the time to go to each site and punch in your information repeatedly, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  • The most time-consuming method to shop rates is to drive around to insurance agencies in your area. The fact that you can get quotes online can eliminate the need for a local agent unless you require the professional guidance of a local agency. If you prefer, some companies allow you to comparison shop online and have a local agent actually service the policy.

The approach you take is up to you, just make sure you compare identical coverage limits and deductibles for each quote you get. If you compare mixed coverages it will be next to impossible to get a fair rate comparison.

Eight things that influence your insurance rates

A large part of saving on insurance coverage is knowing the rating factors that come into play when calculating the rates you pay for insurance coverage. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower premium levels. Lots of factors are considered when quoting car insurance. Some are pretty understandable like an MVR report, but other criteria are less apparent such as your credit history or your vehicle rating.

  • Raise your physical damage deductibles for better premiums – Insurance for physical damage to your car, aka comp and collision, protects your Ford from damage. Some examples of claims that would be covered could be a broken side mirror, hitting a deer, and rolling your vehicle. Comprehensive and collision coverage deductibles are how much you are willing to pay if you file a covered claim. The more damage repair cost you are required to pay out-of-pocket, the bigger discount you will receive for Flex insurance.
  • Allowing your insurance coverage policy to lapse raises premiums – Driving without insurance coverage in place can get you a ticket and your next policy will cost more because you let your insurance expire. Not only will you pay higher rates, getting caught without coverage may earn you a license revocation or jail time.
  • Is car insurance cheaper for males or females? – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women have fender benders at a similar rate, but the men get into accidents with more damage. Not only that, but men also receive more costly citations such as reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore are the most expensive to insure.
  • Car insurance liability insurance limits – Liability insurance is the coverage that protects you when you are found liable for damages from an accident. Your policy’s liability insurance provides legal defense coverage starting from day one. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not skimp.
  • Insurance claims cost money – Auto insurance companies provide the best rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for claims that pose a financial burden.
  • Your spouse saves you money – Having a wife or husband may save some money when shopping for insurance coverage. It usually means you are more financially stable and it’s statistically proven that married couples file fewer claims.
  • Premiums and your address – Living in a small town has it’s advantages when it comes to insurance coverage. Drivers who live in large cities have to deal with more road rage incidents and longer commutes to work. Fewer people translates into fewer accidents as well as less vandalism and auto theft.
  • Tickets can be expensive – Whether or not you get tickets has a lot to do with how much you pay for insurance. Attentive drivers have lower premiums compared to bad drivers. Even a single ticket can increase the cost of insurance by as much as twenty percent. Drivers who get severe citations like DUI or willful reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs could use an agent’s help.

  • Where can I find high-risk insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is other people’s property covered if stolen from my vehicle?
  • Do all my vehicles need collision coverage?
  • Am I getting all the discounts available?
  • Is there coverage for injuries to my pets?
  • What is medical payments coverage?
  • I have a DUI can I still get coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Is there deception in advertising?

Consumers can’t escape the ads that promise big savings for switching from the likes of Progressive, Allstate and Geico. All the companies advertise claims that people will save if you move your policy.

How do they all cost less than your current company? Here is the trick they use.

Insurance coverage companies provide the lowest rates for the right customer that will generate a profit. For instance, a profitable insured could be married and over the age of 30, insures multiple vehicles, and has a short commute. Someone that fits those parameters may get the lowest car insurance rates and therefore will save a lot if they switch.

Drivers who do not meet these criteria may be forced to pay higher rates and this results in the customer buying from someone else. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can make those claims. Because each company has a different risk profile, drivers should compare price quotes frequently. Because without a comparison, you cannot know with any certainty which company will be your best fit.

Car insurance 101

Understanding the coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage that occurs to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, court costs, repair costs for stationary objects and emergency aid. How much coverage you buy is up to you, but you should buy as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for nursing services, surgery, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, vandalism and hitting a bird. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Don’t break the bank

Drivers switch companies for any number of reasons including delays in paying claims, not issuing a premium refund, an unsatisfactory settlement offer and extreme rates for teen drivers. No matter why you want to switch, switching auto insurance companies can be easier than you think.

Cost effective 2015 Ford Flex insurance can be found online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies may not provide the ability to get quotes online and usually these regional carriers sell through independent agencies.

When you buy insurance coverage online, never reduce needed coverages to save money. There are a lot of situations where someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.

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