View 2013 Ford Flex Car Insurance Rates

Searching for better insurance coverage rates for your Ford Flex? Finding the lowest cost insurance coverage over the internet can seem to be problematic for consumers new to buying insurance online. Because there are so many online companies available, how can drivers possibly compare them all to find the best available price?

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Nevertheless, consumers need to learn how big insurance companies sell online.

Where Can I Get Cheap Insurance Coverage?

There are a lot of ways to shop for insurance coverage, and some are easier and takes less work. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to get pricing more quickly.

Many popular insurance companies belong to a marketplace that allows shoppers to submit one quote, and every company can provide price quotes based on that data. This eliminates the need for repetitive form submissions for every insurance coverage company.

To compare 2013 Ford Flex rates using this form now click to open in new window.

The only drawback to comparing rates this way is you cannot specify which companies you want pricing from. If you would rather choose individual companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using the exact same information on every quote you get. If you are comparing different deductibles you will not be able to make an equal comparison. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies helps locate better pricing.

Beware of misleading insurance ads

Allstate, Geico and Progressive regularly use ads on TV and radio. All the companies say the same thing that you can save if you move your policy. But how can every company claim to save you money?

Different companies can use profiling for the type of driver that earns them a profit. A good example of a preferred risk might be profiled as over the age of 40, owns a home, and has a short commute. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t measure up to the “perfect” profile must pay higher rates and ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently make the claims of big savings. This illustrates why drivers should get quotes from several different companies. Because you never know which insurance company will give you the biggest savings on Ford Flex insurance.

Why you might be paying too much to insure your Ford Flex

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that could result in better car insurance rates.

The list below includes a few of the “ingredients” used by your company to calculate premiums.

  • How credit affects car insurance rates – Having a bad credit history is a huge factor in your rate calculation. If your credit rating is not that good, you could potentially save money when insuring your 2013 Ford Flex by repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Teen drivers pay high rates – Youthful drivers tend to be careless and easily distracted when driving so they pay higher car insurance rates. Parents adding a teen driver onto a policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • Women pay lower rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both tend to get into accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse will be a fast way to increase your car insurance rates. Not only will you pay more, failure to provide proof of insurance will get you a license revocation or jail time.
  • Do you qualify for a multi-policy discount? – The majority of car insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to verify if the discount is saving money.
  • Save money with special equipment – Owning a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.

Don’t miss these discounts

Companies offering auto insurance do not list all available discounts very well, so we break down both well-publicized and also the lesser-known insurance savings.

  • E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Senior Discount – Older drivers may qualify for a small decrease in premiums on Flex insurance.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • No Accidents – Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.
  • Defensive Driving Course – Taking a driver safety course could save 5% or more depending on where you live.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

Consumers should know that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, companies don’t profit that way.

Insurance companies who might offer these money-saving discounts are:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts may not be available everywhere.

When might I need help?

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might help in determining whether you may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • At what point should I drop full coverage?
  • Is there coverage for injuries to my pets?
  • When does my teenage driver need to be added to my policy?
  • Is rental equipment covered for theft or damage?
  • Who is covered by my policy?
  • Do I need more liability coverage?
  • What is PIP insurance?
  • How many claims can I have before being cancelled?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Learn about insurance coverages for a 2013 Ford Flex

Having a good grasp of insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

This can cover damage or injury you incur to other people or property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, bail bonds, pain and suffering, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Auto collision coverage

This coverage covers damage to your Flex resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, hitting a mailbox and hitting a parking meter. 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 get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, nursing services, surgery and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Flex.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, hitting a deer and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Online plus local equals savings

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, policy non-renewal, denial of a claim and even extreme rates for teen drivers. No matter why you want to switch, switching companies is actually quite simple.

Lower-priced 2013 Ford Flex insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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