Lower Your 2009 Ford Flex Car Insurance Cost

Searching for better auto insurance rates for your Ford Flex? Overpriced Ford Flex insurance can drain your savings account and make it hard to pay other bills. Doing a price comparison is a smart way to lower your monthly bill. You have multiple insurers to insure vehicles with, and although it’s a good thing to be able to choose, lots of choices makes it harder to find a good deal.

Discounts are available to cut your rates

Auto insurance companies don’t always list all available discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Homeowners Discount – Simply owning a home may trigger a insurance coverage policy discount because maintaining a house is proof that your finances are in order.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Flex coverage than their less cautious counterparts.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurance companies offering insurance coverage discounts, click this link.

Everyone needs different coverages

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • What is high-risk coverage and where do I buy it?
  • Why am I required to buy liability insurance?
  • Exactly who is provided coverage by my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • What if I owe more than I can insure my car for?
  • What is the difference between comprehensive and collision coverage?
  • Should I waive the damage coverage when renting a car?
  • How much can I save by bundling my policies?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Specific coverages for a 2009 Ford Flex

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage

This coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, repair bills for other people’s vehicles, emergency aid and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

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

Comprehensive insurance covers claims like fire damage, hitting a deer, hail damage and damage from flooding. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills like doctor visits, prosthetic devices, rehabilitation expenses, X-ray expenses and nursing services. They are often used in conjunction with a 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. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

Collision coverage covers 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 pays for claims like rolling your car, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Have money to burn

Budget-conscious 2009 Ford Flex insurance is definitely available from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

You just learned a lot of ways to compare insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the best prices are with a smaller regional carrier. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There have been many cases where consumers will sacrifice full coverage only to regret at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Much more information about auto insurance can be found on the following sites: