Trying to find the cheapest auto insurance rates for your Ford Flex? Have you had enough of scraping the payment together to buy car insurance? Your situation is no different than most other car owners.
Popular companies such as State Farm and GEICO constantly blast consumers with advertising and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.
Car insurance companies do not advertise all available discounts in an easy-to-find place, so here is a list some of the more common and the more hidden ways to save on auto insurance.
Consumers should know that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
Insurance companies that may have some of the above discounts may include but are not limited to:
Double check with each company what discounts are available to you. All car insurance discounts might not apply in your state.
When buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether or not you might need professional guidance.
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Auto insurance providers like State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all have a common claim that you’ll save big if you switch to their company. But how can every company say the same thing?
All the different companies have a certain “appetite” for the type of driver that makes them money. For example, a driver they prefer could be between the ages of 40 and 55, has no tickets, and has great credit. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.
Potential customers who don’t measure up to this ideal profile must pay higher prices which usually ends up with business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. This is how companies can state the savings. This illustrates why you need to get quotes from several different companies. It’s just too difficult to predict the company that will provide you with the cheapest Ford Flex insurance rates.
Understanding the coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by car insurance companies.
Liability insurance – Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims such as loss of income, attorney fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive coverage – Comprehensive insurance coverage 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 rock chips in glass, a tree branch falling on your vehicle, vandalism and damage from flooding. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverages – Collision coverage covers damage to your Flex caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims such as crashing into a ditch, backing into a parked car, hitting a mailbox, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.
Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s 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. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for things like chiropractic care, pain medications and funeral costs. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
When shopping online for car insurance, you should never reduce needed coverages to save money. There are many occasions where an insured cut liability coverage limits and found out when filing a claim that they should have had better coverage. Your strategy should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
Budget-conscious 2011 Ford Flex insurance is definitely available both online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.