Save on 2012 Ford Flex Insurance Quotes

Want the cheapest auto insurance rates for your Ford Flex? Trying to find the cheapest insurance for a new or used Ford Flex can turn out to be difficult, but you can learn the following methods to save time. There are more efficient ways to find auto insurance online and you need to know the best way to price shop coverage on a Ford and locate the best price possible from both online companies and local agents.

If you are insured now or need new coverage, you can use these techniques to get lower rates and still get good coverage. Locating the lowest cost car insurance is not that difficult. Drivers only need to know the best way to compare prices online.

Get lower rates on Ford Flex insurance

Car insurance companies don’t always advertise all available discounts very clearly, so the following is a list of both well-publicized as well as the least known savings tricks you should be using. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Student Driver Training – Have your child successfully complete driver’s ed class in high school.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Flex coverage than drivers with accident claims.
  • Resident Student – Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Companies that possibly offer these discounts include:

Double check with all companies you are considering how you can save money. All car insurance discounts might not apply in your area.

The best way we recommend to compare policy rates is to understand auto insurance companies participate in online systems to give free rates quotes. The only thing you need to do is provide a little information like whether you are married, how much education you have, if it has an anti-theft system, and your occupation. Your rating data gets sent immediately to all major companies and you will receive price estimates with very little delay.

To start a rate quote now, click here then complete the form.

Ford Flex insurance rates can be determined by these details

It’s important that you understand the different types of things that help determine the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to big savings.

  • Do you qualify for a multi-policy discount? – The majority of auto insurance companies give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to ensure the best deal. Consumers may find better rates by splitting coverages up.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if ever you are found to be at fault for damages caused by your negligence. It provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Poor driving leads to higher costs – Even a single moving violation can boost insurance rates forty percent or more. Careful drivers receive lower rates than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Rate your vehicle for proper use – The higher the mileage driven in a year’s time the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Improper usage on your Flex may be wasting your money. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
  • Older drivers save more – Teenage drivers are known to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • Car features impact rates – Owning a car with an alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Lower deductibles cost more – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Ford. Examples of covered claims are collision with another vehicle, collision with an animal, or theft. The deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more you’re willing to pay, the lower your rates will be on Flex coverage.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you might need an agent’s assistance.

  • Does my 2012 Ford Flex qualify for pleasure use?
  • Should I have a commercial auto policy?
  • What is medical payments coverage?
  • Is my 2012 Ford Flex covered for smoke damage?
  • Is my ex-spouse still covered by my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when pulling a rental trailer?
  • Should I put collision coverage on all my vehicles?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Can you really save that much by switching?

Drivers can’t get away from ads for cheaper car insurance by companies like State Farm, Allstate and Geico. They all make the same claim that you’ll save big if you change to them.

How can each company say the same thing?

Insurance companies are able to cherry pick for the type of driver that makes them money. For instance, a driver they prefer could possibly be between 30 and 50, owns a home, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will get very good rates and most likely will save quite a bit of money when switching.

Potential customers who don’t qualify for these standards will be quoted a more expensive rate and ends up with the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much. This is how companies can truthfully advertise the way they do. This emphasizes why you absolutely need to get as many quotes as possible. It’s not possible to predict which insurance companies will have the lowest Ford Flex insurance rates.

Coverage specifics

Having a good grasp of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Flex.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hitting a deer, fire damage, a tree branch falling on your vehicle and vandalism. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays for damage to your Flex from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with a tree, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like funeral costs, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance provides protection from damage that occurs to people or other property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like funeral expenses, structural damage, pain and suffering, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Be a penny pincher

We just showed you some good ideas how to save on 2012 Ford Flex insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the most savings is with the smaller companies.

When you buy insurance online, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper insurance can be purchased on the web as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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