Compare 2015 Ford Flex Insurance Rates

Finding low cost prices for auto insurance can seem to be difficult for drivers new to shopping for insurance online. With dozens of insurers available, it can easily be a chore to find more affordable prices.

Smart buyers can lower their insurance premiums

Many factors are taken into consideration when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but some are more transparent such as whether you are married or your vehicle rating.

  • Safer the car lower the rate – Vehicles that have high safety ratings tend to be cheaper to insure. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company which can mean better rates for you. If your Ford Flex is rated at least four stars on you may be receiving a better rate.
  • Annual mileage impacts rates – The more you drive your Ford annually the more it will cost to insure it. A lot of insurance companies charge rates partially by how you use the vehicle. Cars that do not get driven very much receive lower rates than those used for commuting. Make sure your car insurance policy states the right rating data, because it can save money. An improperly rated Flex can cost quite a bit.
  • Teenage drivers pay high premiums – Older people are proven to be safer behind the wheel, statistically cause fewer accidents .Drivers with little experience are known to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
  • City dwellers may pay more – Having an address in small towns and rural areas has it’s advantages if you are looking for the lowest rates. City drivers have to deal with more aggressive driving styles and longer commute times. Fewer drivers on the road means fewer accidents in addition to lower liability claims
  • Combine home and auto and save – Some insurance companies give a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you already get this discount, it’s always a smart idea to shop around to ensure the best deal.
  • Women tend to take less risk – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Women and men cause fender benders at a similar rate, but men have accidents that have higher claims. Not only that, but men also get higher numbers of serious violations like driving under the influence (DUI).

Compare auto insurance rate quotes

There are several ways of comparing rates from many different insurance companies. The easiest way by far to find competitive 2015 Ford Flex insurance rates is simply to get online rate quotes. This is very easy and can be done by using one of the methods below.

  • The recommended way consumers can analyze rates is a comparison rater form click to view form in new window. This form keeps you from doing repetitive form submissions to each individual auto insurance company. A single, simple form will get you rate comparisons from multiple companies. Just one form and you’re done.
  • A harder way to obtain and compare quotes online is to manually visit the website of each company and fill out their own quote form. For example, let’s assume you want rates from Farmers, Liberty Mutual and GMAC. In order to get each rate, you would have to visit each site and repeatedly enter your information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

Whichever way you use, make sure you compare apples-to-apples deductibles and coverage limits for every quote you compare. If each company quotes different values for each quote it will be impossible to find the best deal for your Ford Flex. Just slight variations in coverage limits may result in large price differences. Just remember that making a lot of price comparisons will increase your chances of finding a lower rate.

Lower your insurance rates with discounts

Insurance is not inexpensive, but there could be significant discounts to cut the cost considerably. Most are applied at the time of quoting, but some discounts are required to be specifically requested in order for you to get them.

  • Drive Less and Save – Driving fewer miles could be rewarded with lower prices due to less chance of an accident.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
  • Discount for New Cars – Insuring a new car is cheaper because newer vehicles are generally safer.
  • Seat Belts Save – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off the medical payments premium.
  • Paper-free Discount – Some companies provide a small discount for completing your application on the internet.
  • Auto/Home Discount – If you can combine your home and auto policy and place coverage with the same company you could get a discount of 10% to 20% off each policy.
  • Professional Organizations – Being a member of a civic or occupational organization could trigger savings on your next renewal.
  • Driver Education Discount – Require your teen driver to complete a driver education course as it can save substantially.
  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Active Military Service – Being on active duty in the military could qualify you for better rates.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

To view companies who offer free insurance quotes, click this link.

You are unique and your auto insurance should be too

When choosing proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I insured when driving a different vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I bundle my homeowners policy with my auto?
  • Where can I get insurance after a DUI in my state?
  • How much liability coverage do I need in my state?
  • Who is covered when they drive my 2015 Ford Flex?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like chiropractic care, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays for damage to your Flex caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, hitting a parking meter, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Auto liability

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, attorney fees, bail bonds, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from a tornado or hurricane, hail damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Ford Flex.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Be a money saver!

Consumers who switch companies do it for a number of reasons such as poor customer service, delays in responding to claim requests, an unsatisfactory settlement offer and delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

As you quote car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find for the lowest price and still be able to protect your assets.

We just presented many tips how you can get a better price on 2015 Ford Flex insurance. The key thing to remember is the more you quote car insurance, the better your comparison will be. You may even discover the lowest premium rates come from some of the smallest insurance companies.

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