2010 Ford Flex Insurance Rates – 5 Tips to Save

Want lower insurance coverage rates for your Ford Flex? Have you fallen victim to overpriced insurance coverage? Trust us, there are lots of people in the same boat. Drivers have multiple auto insurance companies to insure vehicles with, and even though it’s nice to have a choice, it makes it harder to find the lowest cost provider.

It’s a good habit to shop coverage around every six months because insurance rates go up and down regularly. If you had the lowest rates for Flex insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the tricks you need to know to buy cheaper insurance coverage.

Pricing cheaper protection is easy if you know what you’re doing. If you have insurance now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Drivers just need to know the tricks to get comparison rates over the internet.

The quickest method we recommend to get rate comparisons takes advantage of the fact all the major auto insurance companies allow for online access to provide you with free rate quotes. All you need to do is give them rating details including an estimate of your credit level, if a SR-22 is needed, if you went to college, and if you are currently licensed. Your rating data is submitted instantly to insurance carriers in your area and you will receive price estimates instantly to find the best rate.

Don’t overlook these five discounts

Car insurance can cost a lot, but companies offer discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be asked for before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Flex insurance with select insurance companies.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Senior Citizens – Older drivers may receive a small decrease in premiums for Flex insurance.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.

To see a list of companies with discount car insurance rates, click this link.

Is my situation unique?

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find high-risk insurance?
  • Who is covered by my policy?
  • How much liability insurance is required?
  • Is business property covered if stolen from my car?
  • Can I get a multi-policy discount?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Advertising myths

Drivers get pounded daily by advertisements for car insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to make the same claim about savings if you move your policy.

How can each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the right customer that makes them money. A good example of a preferred risk might be profiled as between 25 and 40, a clean driving record, and has a short commute. A driver that hits that “sweet spot” receives the best rates and therefore will save when they switch companies.

Consumers who don’t meet the requirements will have to pay more money and ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save money. That is how insurance companies can confidently make those claims.

Because of the profiling, it is so important to get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings on Ford Flex insurance.

Parts of your auto insurance policy

Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, hail damage, hitting a bird, falling objects and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This coverage pays for damage to your Flex from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. 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. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, funeral expenses, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Flex.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Power to the consumer

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at an affordable rate.

Cheap 2010 Ford Flex insurance is available from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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