Compare 2016 Ford Flex Car Insurance Quotes

Drivers have a choice when trying to find the lowest priced Ford Flex insurance. You can either waste hours contacting agents to compare prices or use the internet to compare rates. There are both good and bad ways to buy insurance and you need to know the quickest way to get price quotes on a Ford and find the cheapest rates either online or from local insurance agents.

What determines Ford Flex insurance prices?

Many factors are part of the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, but some are more transparent like your continuous coverage or your commute time.

The itemized list below are a few of the things used by insurance companies to determine your rate level.

  • Lower prices with no policy lapses – Having an insurance coverage lapse will be a sure-fire way to pay more for auto insurance. And not only will insurance be more expensive, getting caught without coverage may result in a license revocation or jail time.
  • Annual miles is a factor – The more you drive every year the more you will pay for auto insurance. The majority of insurers calculate prices partially by how you use the vehicle. Vehicles that are left in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. An improperly rated Flex may be wasting your money. Double check that your vehicle rating correctly shows the right rating data, because it can save money.
  • Rates can drop if you have more than one policy – Some insurers afford discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Even if you qualify for this discount already, you still need to compare other company rates to help ensure you have the lowest rates. You may still save even more even if you insure with multiple companies
  • Prevent theft and save – Selecting a car model with a theft deterrent system can save you some money. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.

Insurance discounts help reduce rates

The price of auto insurance can be rather high, but you may qualify for discounts to help offset the cost. A few discounts will automatically apply at the time of purchase, but occassionally some discounts must be asked for prior to getting the savings.

  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new vehicles.
  • Accident Free – Drivers who don’t have accidents get the best insurance rates in comparison to accident-prone drivers.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • ABS Braking Discount – Cars with ABS and/or traction control prevent accidents and will save you 10% or more.
  • Driver Training Discounts – Completing a safe driver course could cut 5% off your bill and easily recoup the cost of the course.
  • Senior Discount – Drivers over the age of 55 may be able to get a small decrease in premiums for Flex insurance.
  • Own a Home and Save – Owning your own home or condo can help you save on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Early Renewal Discounts – A few insurance companies allow discounts for buying a policy prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates it’s possible to get free car insurance, insurance companies aren’t that generous. But any discount will bring down the amount you have to pay.

The best insurance companies and their possible discounts can be found below.

  • Farm Bureau discounts include 55 and retired, safe driver, multi-policy, multi-vehicle, renewal discount, driver training, and good student.
  • Liberty Mutual offers discounts for new graduate, new move discount, newly retired, newly married, good student, teen driver discount, and multi-car.
  • State Farm offers premium reductions for safe vehicle, driver’s education, defensive driving training, Steer Clear safe driver discount, good student, and passive restraint.
  • Auto-Owners Insurance may offer discounts for safe driver, paid in full, group or association, teen driver, and anti-lock brakes.
  • Geico includes discounts for good student, five-year accident-free, anti-theft, membership and employees, anti-lock brakes, multi-vehicle, and driver training.
  • SAFECO may have discounts that include multi-car, teen safety rewards, accident prevention training, teen safe driver, anti-theft, and anti-lock brakes.

If you need lower rates, check with each company which discounts you qualify for. Some credits may not apply to policyholders everywhere. If you would like to see a list of insurance companies that offer the discounts shown above, click here.

Do you really save 40% when you switch?

Consumers can’t avoid all the ads that promise big savings for switching by companies like State Farm, Geico and Progressive. All the companies try to convey promises that drivers will save a bundle just by switching your policy.

Is it even possible that every company can give you a better price? It’s all in the wording.

Different companies are able to cherry pick for the right customer that earns them a profit. For example, this type of risk profile could possibly be over age 30, has a clean driving record, and the vehicle is rated for pleasure use. A customer getting a price quote that meets those criteria is entitled to the best price and will also save some money.

Insureds who are not a match for these criteria may be forced to pay a more expensive rate which usually ends up with the prospect going elsewhere. If you pay close attention to the ads, they say “customers who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make claims that they all have the best premium rates. This really illustrates why you really should compare many company’s premium rates. It is impossible to guess with any certainty which company will have the lowest rate quotes.

Which is the best car insurance?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when delivering products for my home-based business?
  • Should I rate my 2016 Ford Flex as pleasure use or commute?
  • Why is insurance for a teen driver so high?
  • Can I still get insurance after a DUI?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if I drive in a foreign country?
  • I don’t drive much so do I pay less?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage basics

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage, vandalism, hitting a bird and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, structural damage, bail bonds, medical expenses and court costs. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

This covers damage to your Flex resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb, crashing into a building and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Flex.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses like ambulance fees, rehabilitation expenses, EMT expenses, prosthetic devices and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Have the Midas touch

Throughout this article, we presented many tips how you can save on 2016 Ford Flex insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from an unexpected company.

People who switch companies do it for a number of reasons such as extreme rates for teen drivers, high prices, delays in responding to claim requests or even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

When you buy car insurance online, never buy poor coverage just to save money. In many cases, an insured dropped liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

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