Lower Your 2011 Ford Flex Insurance Quotes

Paying for high-priced Ford Flex insurance can empty your savings account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to lower your monthly bill. There are many auto insurance companies to choose from, and although it’s a good thing to be able to choose, having more insurers makes it harder to locate the cheapest rates.

Parts of the Ford Flex rate equation

Consumers need to have an understanding of the factors that go into determining the rates you pay for insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to better insurance rates.

  • Where you live can impact rates – Being located in small towns and rural areas can save you money when it comes to insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer people means reduced accidents and a lower car theft rate.
  • Never allow your policy to lapse – Allowing your coverage to lapse will be a quick way to bump up your insurance costs. And not only will insurance be more expensive, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Marriage pays dividends – Being married actually saves money on your policy. It is viewed as being more responsible it has been statistically shown that being married results in fewer claims.
  • Pleasure use saves money – The higher the mileage driven every year the higher your rate. Most companies price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your insurance declarations sheet shows the correct usage for each vehicle. If your policy improperly rates your Flex may be wasting your money.
  • Extra add-on coverages are wasting money – There are quite a few extra bells and whistles that you can buy on your insurance policy. Coverages for vanishing deductibles, towing coverage and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for insurance? Jobs such as real estate brokers, social workers and stock brokers tend to pay the highest rates because of high stress and long work hours. On the other hand, professions such as farmers, students and performers have the lowest average rates on Flex coverage.
  • Save money with special equipment – Driving a car with an alarm system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.

The quickest method to compare policy rates utilizes the fact most insurance companies actually pay money for the chance to give rate comparisons. To get started, all you need to do is give them some information including if the vehicle is leased, how your vehicles are used, the ages of drivers, and the year, make and model of vehicles. That information is instantly submitted to insurance carriers in your area and you will receive price estimates instantly to find the best rate.

To get price quotes for your , click here and enter the information requested.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be inquired about prior to getting the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.

Companies who might offer these money-saving discounts include:

Double check with each company how you can save money. All car insurance discounts might not apply in every state.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can aid in determining whether you could use an agent’s help.

  • Can I afford low physical damage deductibles?
  • How do I buy GAP insurance?
  • Am I covered if I crash into my own garage door?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I hit a deer?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Learn about car insurance coverages for a Ford Flex

Knowing the specifics of car insurance aids in choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Coverage for liability

This protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, repair costs for stationary objects, medical expenses and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses like chiropractic care, EMT expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, rock chips in glass, hitting a deer, theft and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Flex.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

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

Collision insurance covers claims like crashing into a building, rolling your car, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Be a smart shopper

When buying insurance coverage, never buy less coverage just to save a little money. In too many instances, an accident victim reduced comprehensive coverage or liability limits and learned later that it was a big mistake. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

The cheapest 2011 Ford Flex insurance is available online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance coverage companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Additional information is located at the links below