How Much Does 2014 Ford Flex Insurance Cost?

Want cheaper insurance coverage rates for your Ford Flex? Trying to find cheaper insurance for a Ford Flex can be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to shop for insurance coverage and you need to know the best way to quote coverages for a Ford and obtain the lowest possible price from both online companies and local agents.

If you are insured now or are shopping for new coverage, you can learn to find the best rates while maintaining coverages. Finding the best car insurance is easy if you know what you’re doing. Vehicle owners just need to understand the most efficient way to buy car insurance over the internet.

Discounts can save BIG

Companies offering auto insurance do not list all their discounts very well, so we researched both the well known and the more hidden ways to save on car insurance. If you don’t get every credit possible, you’re just leaving money on the table.

  • Federal Employees – Active or retired federal employment may qualify you for a discount on Flex insurance with a few car insurance companies.
  • Claim Free – Claim-free drivers can earn big discounts when compared to bad drivers.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Homeowners Pay Less – Owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Save over 55 – If you qualify as a senior citizen, you may receive better car insurance rates on Flex insurance.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more if you qualify.

It’s important to understand that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you can get free auto insurance, you’re out of luck.

To see a list of companies with the best car insurance discounts, click here.

Car Insurance Prices Online

Most major insurance companies like 21st Century, Allstate and State Farm allow you to get prices on the web. Getting online rates is fairly simple as you just enter your coverage information as requested by the quote form. After you complete the form, the company’s rating system makes automated requests for your credit score and driving record and generates pricing information based on many factors.

Online quotes makes it a lot easier to compare rates but the time it takes to visit different websites and fill out multiple forms is monotonous and tiresome. But it’s very important to do this if you are searching for the best price possible.

Isn’t there an easier way to compare rates?

The preferred way to locate the lowest prices requires only one form that analyzes rates from more than one company. The form is fast, requires less work, and makes price shopping online a lot less work. As soon as you send your information, it is rated and you are able to buy your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To quickly get comparison pricing now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend that you enter the coverage information identical to your current policy. This way, you will get comparison quotes for the exact same coverage.

Factors that can influence insurance rates for a Ford Flex

An important part of buying insurance is that you know the factors that help determine your insurance rates. Understanding what influences your rates helps enable you to make changes that can help you get better insurance rates.

  • A clean driving record saves money – Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can boost insurance rates by twenty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Marriage pays dividends – Having a spouse actually saves money on insurance. It is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Safer cars are cheaper to insure – Vehicles with good safety scores get lower rates. Safer cars reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Ford Flex scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Your age impacts your rates – Young drivers are statistically proven to be less responsible behind the wheel so they pay higher insurance rates. If you’ve ever had to add a young driver to your policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you when a court rules you are at fault for personal injury or accident damage. Liability provides legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Special features that cut premiums – Driving a car with an alarm system can get you a discount on your insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Do you need those extra coverages? – There are a ton of additional coverages that you can buy on your insurance policy. Coverages like vanishing deductibles, towing coverage and membership fees may be wasting your money. They may seem good initially, but your needs may have changed so get rid of them and save.

Will just any policy work for me?

When it comes to buying the best auto insurance coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Does insurance cover tools stolen from my truck?
  • What vehicles should carry emergency assistance coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have newly-aquired coverage?
  • Am I covered if I wreck a rental car?
  • How do I file an SR-22 for a DUI in my state?
  • Does coverage extend to Mexico or Canada?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Coverage for liability

This coverage will cover damage that occurs to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for things like pain medications, chiropractic care, X-ray expenses and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Ford Flex.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision coverage pays for damage to your Flex resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, crashing into a building, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, fire damage and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

One last thing about your coverage

In this article, we presented many tips how you can lower your 2014 Ford Flex insurance rates. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with some of the smallest insurance companies.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Cheap insurance can be purchased on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

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