2015 Ford Flex Car Insurance Quotes

Searching for cheaper car insurance rates for your Ford Flex? I can’t think of a single person who likes having to buy car insurance, in particular when their premiums are too high. There are many insurers to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

Car Insurance Comparisons

All major car insurance companies give coverage price quotes on the web. The process is quite simple as you just enter your required coverages as requested by the quote form. After you submit the form their rating system makes automated requests for your driving and credit reports and generates pricing information based on these and other factors. This makes comparing rates easy, but having to visit each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you want to find a lower rate.

Rate comparisons made easy

The quickest way to get multiple rate quotes requires only one form to obtain quotes from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, it is quoted and you can choose your choice of the pricing results.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process just takes a couple of minutes and may save quite a bit of money.

In order to compare rates using this form now, click here to open in a new tab and fill out the form. If you have coverage now, it’s recommended you duplicate the insurance coverages identical to your current policy. This ensures you will be getting a fair comparison for exact coverage.

Discounts on Ford Flex insurance

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but a few must be manually applied prior to getting the savings. If you don’t get every credit possible, you are throwing money away.

  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Flex insurance with a few insurance companies.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will bring down your overall premium however.

For a list of providers who offer insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover whether you would benefit from professional advice.

  • What vehicles should carry emergency assistance coverage?
  • Am I covered when delivering products for my home-based business?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company denied a claim?
  • Is my camper covered by my car insurance policy?
  • When should I not file a claim?
  • What is the ISO rating for a 2015 Ford Flex?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Some factors that can determine what Ford Flex insurance costs

It’s important that you understand the factors that play a part in calculating insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in lower insurance prices.

  • You might want pay the small claims yourself – Auto insurance companies provide cheaper rates to drivers who do not file claims often. If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Car features impact rates – Driving a car with a theft deterrent system can get you a discount on your insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Older drivers save more – Teen drivers have a tendency to be careless and easily distracted when driving so insurance rates are higher. Parents adding a young driver onto a policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • More people means more accidents – Choosing to live in less populated areas is a positive aspect when talking about insurance. City drivers have more traffic problems and a longer drive to work. Fewer drivers means fewer accidents and a lower car theft rate.
  • Add-on coverages can add up – There are a ton of add-on coverages that can waste your money when buying insurance. Coverages like personal injury protection, accident forgiveness and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Protect your assets with liability insurance – Liability coverage provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Traffic violations increase rates – Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Even one citation can bump up the cost by as much as thirty percent. Drivers who get flagrant violations such as DUI or reckless driving may be required to file a SR-22 with their state motor vehicle department in order to keep their license.

Is there truth in advertising?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. They all say the same thing about savings after switching your policy.

How does each company claim to save you money? This is how they do it.

All companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured could possibly be between the ages of 40 and 55, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who do not match the “perfect” profile must pay more money and this can result in business not being written. The ads state “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can make the claims of big savings.

This illustrates why you need to get a wide range of price quotes. Because you never know which insurance coverage company will give you the biggest savings on Ford Flex insurance.

Car insurance coverages for a Ford Flex

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.

Collision coverage

Collision insurance pays for damage to your Flex resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability

This provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as legal defense fees, emergency aid, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, rock chips in glass and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills such as chiropractic care, prosthetic devices, funeral costs, dental work and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists 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 only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

A penny earned…

Cost effective 2015 Ford Flex insurance can be sourced both online in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented some good ideas how you can save on insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from a small local company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

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