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Ford Flex Insurance Cost

You have many choices when shopping for car insurance for your Ford vehicle. You can buy from your neighborhood insurance agent or shop online to compare insurance costs of many different companies. Comparing car insurance from online companies is easy, in addition you will probably save money.

Beginners to comparing rates may think shopping for cheap Flex insurance can be quite difficult. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. By far the easiest way to find the cheapest Flex insurance rates involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine Flex insurance quotes

Insurance rates for a Ford Flex can be significantly different based upon several criteria. A few of these criteria are:

  • The performance level of your Flex
  • How many accidents you have had
  • Home and auto can earn discounts
  • Use of your vehicle
  • Optional coverages like vehicle replacement
  • Your profession
  • The level of coverage
  • Owning a home can lower rates

One last important factor that can impact the rate you pay on your Ford is the year of manufacture. Used vehicles have a much lower replacement value so repair costs tend to be lower which will push premiums down. Conversely, newer models may have options such as active head restraints, adaptive headlights, a backup camera, and tire pressure monitors that may help help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your Flex from the following list.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision insurance

This coverage pays for damage to your Ford caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Flex collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not available in all states and may carry a deductible.

How Much are Ford Flex Insurance Rates?