2009 Ford Flex Insurance Rates – 5 Ideas for Cheapest Quotes

Looking for lower auto insurance rates for your Ford Flex? Are you intimidated by the number of auto insurance choices? Many other drivers are as well. People have so many options available that it can quickly become a real hassle to find the lowest price.

It’s smart to do rate comparisons at least once a year due to the fact that insurance rates trend upward over time. Even if you think you had the best price on Flex insurance a couple years back a different company probably has better rates today. Starting now, forget anything you know (or think you know) about auto insurance because you’re about to learn the only way to lower your annual insurance bill.

This article will instruct you on how to effectively get price quotes. If you currently have car insurance, you will most likely be able to save some money using these techniques. Nevertheless, consumers must know how companies price online insurance and use this information to your advantage.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Some trigger automatically when you purchase, but a few must be specially asked for before they will apply.

  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Flex insurance than their less cautious counterparts.
  • 55 and Retired – Mature drivers may be able to get reduced rates on Flex insurance.
  • Multi-policy Discount – If you have multiple policies with the same company you will save up to 20% off your total premium.
  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • Military Rewards – Being on active duty in the military can result in better rates.

It’s important to note that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will bring down the cost of coverage.

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

Check with each company which discounts they offer. Discounts may not apply in your area.

When should I talk to an agent?

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight if you may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Can I still get insurance after a DUI?
  • Why does it cost so much to insure a teen driver?
  • How much can I save by bundling my policies?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving on a suspended license?
  • Do I have coverage for damage caused while driving under the influence?
  • I don’t drive much so do I pay less?
  • Which is better, split liability limits or combined limits?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Buyer beware of auto insurance advertising tricks

Auto insurance providers like Progressive, Allstate and Geico regularly use ads on TV and radio. They all make the same claim of big savings if you move your coverage to them. How does each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the right customer that earns them a profit. For example, a preferred risk might be between 30 and 50, has no prior claims, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Potential insureds who don’t measure up to these standards will be charged higher premiums and ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save that much. That’s why companies can truthfully state the savings.

That is why it’s extremely important to compare as many rates as you can. It’s impossible to know which insurance companies will give you the biggest savings on Ford Flex insurance.

Auto insurance 101

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like funeral costs, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Flex.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Collision insurance

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

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, pain and suffering, bail bonds, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, damage from a tornado or hurricane, vandalism, a broken windshield and hail damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Save your cold hard cash

Consumers who switch companies do it for a variety of reasons including high prices, lack of trust in their agent, questionable increases in premium and delays in responding to claim requests. Whatever your reason, finding the right insurance provider is easier than you think.

We just covered many tips how you can lower your 2009 Ford Flex insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the best prices are with an unexpected company.

Affordable insurance can be found from both online companies and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Additional information can be found on the following sites: