Lower Your 2009 Ford Flex Insurance Quotes

Searching for cheaper auto insurance rates for your Ford Flex? Locating cheaper insurance for a Ford Flex could be a lot of work, but you can learn these tips to save time. There are more efficient ways to find auto insurance online so you’re going to learn the proper way to quote coverages for a Ford and obtain the best price possible from both online companies and local agents.

If you are insured now or are shopping for new coverage, you can use these tips to get lower rates while maximizing coverage. Buying more affordable coverage is simple if you know the tricks. Vehicle owners just need to understand the tricks to get comparison quotes online.

Compare the Market for Insurance

Reducing your 2009 Ford Flex insurance rates can be relatively painless. Drivers just need to invest a few minutes to compare rate quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  • The recommended way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do separate quote forms to each individual insurance company. Just one form gets rate comparisons from all major companies.It’s the quickest way to get rates.
  • A different way to compare prices is spending the time to visit the website of each company to complete a price quote. For sake of this example, we’ll pretend you want rates from Nationwide, Esurance and Travelers. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The least recommended way to compare rates is to spend time driving to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you want the personal advice only provided by licensed agents. However, consumers can get prices online but still have the advice of a local agent.

Whichever way you use, make absolute certain that you use the exact same coverages on every quote. If you compare different limits and deductibles on each one it’s impossible to determine the lowest rate for your Ford Flex.

Pieces of the Ford Flex insurance rate puzzle

It’s important that you understand the factors that help determine auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with better auto insurance rates.

  • Do men or women drive better? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes cause accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high auto insurance rates.
  • Liability coverage is cheap – Liability insurance provides coverage when you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • No coverage gaps is important – Allowing your coverage to lapse will be a guaranteed way to pay more for auto insurance. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t necessarily list every discount very clearly, so we break down some of the more common and the more hidden ways to save on insurance. If you’re not getting every credit available, you’re just leaving money on the table.

  • Clubs and Organizations – Participating in certain professional organizations may earn a discount when buying insurance for Flex insurance.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Own a Home – Simply owning a home can help you save on insurance because maintaining a house requires personal responsibility.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Accident Waiver – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • 55 and Retired – Older drivers may receive a small decrease in premiums for Flex insurance.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

For a list of companies offering insurance discounts, click this link.

Insurance agents can help

When choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Do I need more liability coverage?
  • Are rental cars covered under my policy?
  • Can I get a multi-policy discount?
  • When can I cancel my policy?
  • Are my friends covered when driving my 2009 Ford Flex?
  • Does liability extend to a camper or trailer?
  • How many claims can I have before being cancelled?
  • How can I get high-risk coverage after a DUI?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if I hit a deer?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, 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. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things such as attorney fees, emergency aid, pain and suffering, funeral expenses and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, theft, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for things like rehabilitation expenses, nursing services and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

The best insurance company isn’t always the cheapest

People leave their current company for a number of reasons such as high rates after DUI convictions, being labeled a high risk driver, delays in responding to claim requests and denial of a claim. It doesn’t matter why you want to switch switching car insurance companies is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where an insured dropped full coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to get the best coverage possible at the best price, not the least amount of coverage.

In this article, we covered some good ideas how to save on 2009 Ford Flex insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from the smaller companies.

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