2018 Ford Flex Car Insurance Quotes

Nobody looks forward to paying premiums for insurance, in particular when their premiums are through the roof. Vehicle owners have multiple auto insurance companies to buy insurance from, and although it’s nice to have a choice, lots of choices makes it harder to compare rates.

Earn discounts on insurance

Insurance is easily one of your largest bills, but you might find some hidden discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be asked about prior to getting the savings. If you are not receiving all the discounts available, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn cheaper rates.
  • Paperless Signup – A few larger online companies will discount your bill up to fifty bucks for buying your policy online.
  • Discounts for Government Workers – Federal government employees can earn a discount up to 10% for Flex insurance with some insurance companies.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
  • Early Switch Discount – A few larger companies give discounts for signing up before your current policy expires. It could save around 10% when you buy insurance coverage online.
  • Defensive Driving Course – Completing a defensive driving course is a good idea and can lower rates depending on where you live.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic. But all discounts will definitely lower the cost of coverage.

Companies and a partial list of their discounts are:

  • American Family offers premium reductions for accident-free, Steer into Savings, good driver, bundled insurance, TimeAway discount, defensive driver, and mySafetyValet.
  • Farm Bureau has savings for good student, 55 and retired, multi-vehicle, youthful driver, safe driver, driver training, and multi-policy.
  • State Farm discounts include accident-free, passive restraint, multiple autos, Steer Clear safe driver discount, student away at school, and driver’s education.
  • Travelers may offer discounts for good student, multi-car, hybrid/electric vehicle, driver training, and save driver.
  • The Hartford offers discounts including good student, anti-theft, air bag, defensive driver, and bundle.
  • Geico offers discounts for membership and employees, daytime running lights, driver training, good student, multi-policy, anti-lock brakes, and multi-vehicle.
  • Progressive may have discounts that include multi-policy, good student, multi-vehicle, online signing, and continuous coverage.

Before buying, ask each company or agent how you can save money. Depending on the company, some discounts might not be offered in your area.

How to get insurance price quotes

Finding cheap 2018 Ford Flex insurance rates is an easy way to save money. You just need to take time comparing price quotes from some recommended companies. This can easily be done using one of these methods.

  1. The most efficient method to find low rates is a comparison rater form click here to open form in new window. This easy form saves time by eliminating boring form submissions for each company you want a rate for. Just one form will get you rate comparisons from multiple companies.
  2. A less efficient way to find better pricing requires visiting the website of each company to request a price quote. For sake of this example, let’s assume you want to compare rates from Liberty Mutual, Allstate and Geico. You would need to visit each site and repeatedly type in your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverage limits for each comparison quote. If you compare mixed coverages it’s impossible to get a fair rate comparison.

Learn how to lower your insurance premiums

Many factors are used when you get a price on insurance. Some of the criteria are obvious such as your driving record, although others are less obvious such as your credit history or how safe your car is.

  • More people means more accidents – Residing in areas with lower population is a positive aspect when buying car insurance. Less people means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers regularly have traffic congestion and much longer commute distances. More time behind the wheel translates into higher accident risk.
  • Careless driving means higher premiums – Drivers who don’t get tickets get better prices as compared to careless drivers. Getting just one speeding ticket can increase the cost of insurance to the point where it’s not affordable. Drivers who get careless violations like DUI, reckless driving or excessive speeding might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to drive a vehicle legally.
  • Lower premiums for safer vehicles – Safer cars cost less to insure. The safest vehicles have better occupant injury protection and fewer injuries means your insurance company pays less and lower rates for you. If your Ford has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • More stress means more cost – Jobs such as judges, executives and stock brokers generally pay higher premiums than the average policyholder because of intense work-related stress and long work days. On the other hand, careers such as actors, athletes and performers get better rates for Flex insurance.
  • You may save more by bundling policies – Most larger insurers afford better rates to clients that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to get quotes from other companies to confirm you are receiving the best rates possible.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Am I covered when driving someone else’s vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is rental equipment covered for theft or damage?
  • What if I don’t agree with a claim settlement offer?
  • What is medical payments coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my teenager covered with friends in the car?
  • Do I need roadside assistance coverage?
  • Is my nanny covered when driving my vehicle?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

The coverage is in the details

Knowing the specifics of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses like nursing services, rehabilitation expenses and pain medications. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability – Liability insurance can cover damage or injury you incur to people or other property. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive car insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, hitting a deer and theft. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family 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. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, sideswiping another vehicle, rolling your car, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Don’t be a big spender

Cheaper 2018 Ford Flex insurance can be sourced both online as well as from insurance agents, so you should compare both to have the best rate selection. Some companies do not offer the ability to get a quote online and many times these small, regional companies prefer to sell through independent insurance agencies.

As you quote insurance coverage, never buy poor coverage just to save money. There have been many cases where someone dropped collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

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