Cheap 2014 Ford Flex Insurance Cost

Think you have an overpriced insurance coverage policy? You’re preaching to the choir because many drivers have buyer’s remorse.

Multiple insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the lowest price

Insurance coverage quotes comparison

The are a couple different ways to compare rate quotes from local insurance coverage companies. The best method to lower the rate you pay for 2014 Ford Flex insurance consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. If you’re in a hurry, the quickest way to find low rates is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do boring form submissions for every company. A single form gets insurance cost estimates from multiple companies.
  2. A more time consuming way to find more affordable insurance is spending the time to visit the website of each company to request a price quote. For examples sake, we’ll assume you want to get rates from Liberty Mutual, Safeco and Progressive. To get each rate you have to visit each site and repeatedly enter your information, and that explains why we recommend the first method.

    For a list of companies in your area, click here.

  3. The old school method to compare price quotes is to drive around to insurance agencies in your area. Comparing online rate quotes reduces the need to sit down with an agent unless you’re the type of person who wants the extra assistance that only a licensed agent can provide. Some companies do allow you to obtain prices from the web and get advice from an agent in your area.

Whichever way you choose to compare rates, compare equivalent coverages with each company. If the quotes have higher or lower deductibles you will not be able to find the best deal for your Ford Flex. Having just a slight variation in insurance coverages or limits could throw off the whole comparison. Keep in mind that having more price comparisons helps locate lower pricing.

Get cheaper insurance coverage with discounts

Some companies don’t always publicize all possible discounts in a way that’s easy to find, so the following is a list of both the well known as well as the least known savings tricks you should be using when you buy insurance coverage online. If you do not check that you are getting every discount possible, you could be saving more on your insurance coverage.

  • Use Seat Belts – Requiring all passengers to fasten their seat belts can save 10% or more off PIP or medical payments premium.
  • No Claim Discounts – Good drivers with no accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Distant College Student Discount – Kids who attend college more than 100 miles from home and don’t have a car could get you a discount.
  • Multiple Cars – Buying a policy with several vehicles with the same insurance coverage company may reduce the rate for each vehicle.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as GEICO, Progressive, and Allstate will forgive one accident before your rates go up if your claims history is clear before the accident.
  • Good Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Flex coverage compared to rates paid by drivers with frequent claims.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Low annual miles could qualify for better prices on cars that stay parked.
  • Multiple Policy Discount – If you combine your home and auto policies with one company they may give you a discount of up to 20% off your total premium.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and a summarized list of policyholder discounts are detailed below.

  • State Farm offers premium reductions for good student, Drive Safe & Save, good driver, multiple autos, anti-theft, defensive driving training, and Steer Clear safe driver discount.
  • Esurance may offer discounts for Pac-12 alumni, good driver, claim free, renters, online shopper, online quote, and multi-car.
  • Progressive offers discounts for multi-policy, good student, online quote discount, continuous coverage, homeowner, and multi-vehicle.
  • Liberty Mutual may include discounts for hybrid vehicle, newly retired, newly married, good student, and new move discount.
  • Auto-Owners Insurance includes discounts for anti-theft, teen driver, mature driver, air bags, and anti-lock brakes.
  • GEICO policyholders can earn discounts including anti-theft, good student, emergency military deployment, military active duty, and defensive driver.

If you want cheaper insurance coverage quotes, ask every insurance company how you can save money. A few discounts might not be offered everywhere. To choose providers who offer online insurance coverage quotes, follow this link.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover whether you might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • Are rock chip repairs covered?
  • Is extra glass coverage worth it?
  • Am I covered if I break a side mirror?
  • Does my liability insurance cover pulling a trailer or camper?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I getting all the discounts available?

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

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses for things like nursing services, funeral costs, chiropractic care and ambulance fees. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

This coverage will pay to fix damage to your Flex resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, driving through your garage door, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage can cover damage that occurs to people or other property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Ford Flex.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hail damage, falling objects and vandalism. The highest 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.