Saving money on insurance coverage can seem to be difficult for beginners to comparing rates online. People have so many choices that it can quickly become a real challenge to find the best price.
You should take the time to price shop coverage quite often since insurance rates are variable and change quite frequently. Even if you got the best rates for Flex coverage a couple years back the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about insurance coverage because I’m going to teach you the right way to reduce your cost while increasing coverage.
Comparing car insurance rates can take hours if you don’t utilize the most efficient way to do it. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get prices fast.
Most of the larger companies enroll in a system that allows shoppers to enter their policy data once, and at least one company then returns a price quote based on that data. This eliminates the need for repetitive form submissions for each company you want a rate for. To compare 2013 Ford Flex rates using this form now click to open in new window.
The only drawback to comparing rates this way is that you can’t choose which companies to get quotes from. So if you want to select specific insurance companies to request quotes from, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.
However you get your quotes, compare the exact same coverage limits and deductibles for each price quote. If you enter different liability limits you will not be able to find the best deal for your Ford Flex. Slightly different insurance coverages can mean a large discrepancy in price. And when comparison shopping, obtaining a wide range of quotes will enable you to find a better price.
The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but less common discounts must be asked about before you get the savings.
Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any amount of discount will help reduce the cost of coverage.
To see a list of insurance companies with the best insurance coverage discounts, click here to view.
When choosing coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.
These are some specific questions can help discover if you could use an agent’s help.
If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.
It’s important that you understand the factors that go into determining the rates you pay for insurance. Understanding what controls the rates you pay helps enable you to make changes that may reward you with better insurance rates.
Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.
Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like fire damage, falling objects, theft, vandalism and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, surgery, prosthetic devices, EMT expenses and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverage – This covers damage to your Flex resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like crashing into a building, driving through your garage door, hitting a mailbox, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.
Liability car insurance – This coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like repair bills for other people’s vehicles, court costs, medical expenses, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.
Protection from uninsured/underinsured drivers – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.
As you shop your coverage around, do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out they didn’t have enough coverage. Your focus should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.
We just presented a lot of ways to shop for 2013 Ford Flex insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the lowest priced insurance coverage comes from the least-expected company.
Discount insurance is possible from both online companies and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.
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