Lower Your 2016 Ford Flex Insurance Rates

Searching for the lowest cost auto insurance on the web can seem to be rather challenging for drivers new to quoting and buying their auto insurance on the internet. With a ridiculous number of companies in the marketplace, how can drivers be able to compare all the different companies and get the best price?

How to find cheap insurance

There are multiple methods to shop for insurance, but one way is more efficient than others. You could waste time talking about coverages with insurance agencies in your area, or you could use online quoting to accomplish the same thing much quicker.

Many popular insurance companies enroll in a system that allows shoppers to complete one form, and each company returns a competitive quote based on the submitted data. This eliminates the need for form submissions for every insurance company.

To find out how much you’re overpaying now click to open in new window.

The one downside to getting quotes like this is you are unable to specify which carriers you want pricing from. If you would rather choose specific insurance companies to compare, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but ensure you are comparing nearly identical quote information with each company. If the quotes have mixed coverages you will not be able to get a fair rate comparison. Slightly different coverages could throw off the whole comparison. It’s important to know that quoting more increases the change that you will find a lower rate than you’re paying now. Some insurance companies are not set up to provide prices over the internet, so you should also compare rates from the smaller companies as well.

Get lower rates by earning discounts

Insurance can be prohibitively expensive, but companies offer discounts that could help you make your next renewal payment. Certain discounts will be applied at the time you complete a quote, but some must be specifically requested in order for you to get them.

Online Discount – Certain auto insurance companies provide a small discount get auto insurance over the internet.
Discounts for Cautious Drivers – Drivers who avoid accidents could pay up to 40% less on Flex insurance than less cautious drivers.
Data Collection Discounts – Insureds that choose to allow their insurance company to study driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive could see a rate decrease if they have good driving habits.
Own a Home and Save – Simply owning a home can get you a discount because owning a home is proof that your finances are in order.
Payment Method – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
Safety Course Discount – Passing a class that teaches safe driver techniques could cut 5% off your bill and make you a better driver.

It’s important to understand that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies and the discounts they provide are:

State Farm may offer discounts for driver’s education, accident-free, good driver, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, and student away at school.
Geico offers premium reductions for multi-vehicle, membership and employees, military active duty, seat belt use, and anti-lock brakes.
SAFECO offers discounts for anti-lock brakes, teen safety rewards, safe driver, teen safe driver, and anti-theft.
Farmers Insurance discounts include distant student, youthful driver, good student, teen driver, alternative fuel, electronic funds transfer, and business and professional.
AAA policyholders can earn discounts including pay-in-full, anti-theft, multi-policy, multi-car, good driver, good student, and AAA membership discount.
USAA has discounts for annual mileage, new vehicle, vehicle storage, driver training, and military installation.

Before you buy a policy, ask all the companies to apply every possible discount. Depending on the company, some discounts may not be available in your area.

Your insurance coverage coverage should be tailored to you

When buying coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

Which is better, split liability limits or combined limits?
What if I owe more than I can insure my car for?
I have a DUI can I still get coverage?
What can I do if my company won’t pay a claim?
Should I get collision insurance on every vehicle?
Why am I required to buy high-risk coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

The coverage is in the details

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like nursing services, EMT expenses, X-ray expenses, pain medications and surgery. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t 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. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, structural damage, legal defense fees, medical services and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Flex.

Since 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. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Flex resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and falling objects. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.