2018 Ford Flex Insurance Rates – 10 Ideas for Best Quotes

Are you burned out from sacrificing to pay auto insurance each month? You’re in the same situation as millions of other people. Big-name insurance companies like Geico, 21st Century and Progressive all promote huge savings with catchy ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

Free insurance coverage quotes

Most companies provide prices online. Doing online quotes doesn’t take much effort as you simply type in the coverages you want into the quote form. Once you submit the form, the system collects your driving record and credit report and generates pricing information based on these factors. Quoting online makes it a lot easier to compare rates but the time required to go to different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to perform this step if you are searching for lower prices.

Online rates the easy way

A better way to locate the lowest prices requires only one form that gets prices from a bunch of companies at once. It saves time, eliminates repetitive work, and makes quoting online much simpler. Once the form is submitted, your coverage is rated and you are able to buy your choice of the quotes returned.

If you find a better price you can click and sign and purchase coverage. This process only takes a few minutes and may result in a nice savings.

To compare rates using this form now, click here to open in new window and input your coverage information. To compare your current rates, we recommend you input your coverages as shown on your current policy. Doing this assures you will have rate quotes using the exact same coverages.

Different people need different car insurance coverages

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my car insurance cover rental cars?
  • Should I buy only the required minimum liability coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I find DUI or SR-22 insurance?
  • What are the best liability limits?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Coverage for liability

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, loss of income, funeral expenses, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for surgery, X-ray expenses, ambulance fees and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, hail damage and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries 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, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.