Save on 2010 Ford Flex Car Insurance Rates

Nobody I know likes having to buy car insurance, especially knowing their premiums are too high.

Drivers have multiple insurers to purchase coverage from, and although it’s a good thing to be able to choose, having more insurers makes it harder to compare company pricing.

Discounts are available to cut your rates

Auto insurance companies don’t list every available discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find insurance coverage savings.

  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Flex coverage than less cautious drivers.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Resident Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

Drivers should understand that most discounts do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

To see a list of insurance companies who offer insurance coverage discounts, follow this link.

How to Compare Insurance Quotes

Most major insurance companies such as State Farm, Geico and Progressive quote price estimates on the web. Getting quotes doesn’t take a lot of time as you just enter your personal and coverage information as requested by the quote form. After you complete the form, their rating system will obtain your driving and credit reports and provides a quote based on many factors. This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to find lower prices.

There is an easier way!

The easiest way to find better insurance pricing uses one simple form to return rates from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much easier to do. As soon as the form is sent, it is quoted and you are able to buy any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To quickly find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy the coverage information exactly as shown on your declarations page. This helps ensure you will get a fair comparison based on identical coverages.

Everyone needs different coverages

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Why am I required to buy liability insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need an umbrella policy?
  • Does having multiple vehicles earn me a discount?
  • What is roadside assistance coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is my ex-spouse still covered by my policy?
  • Why am I required to buy high-risk coverage?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance policy specifics

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on people or other property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, medical services, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for hospital visits, ambulance fees and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Flex.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

More quotes. Lower rates.

We just covered quite a bit of information on how to save on 2010 Ford Flex insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the most savings is with some of the smallest insurance companies. These companies may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. In many cases, drivers have reduced full coverage only to regret at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

To read more, link through to the resources below: