Tricks for Comparing the Best Ford Flex Insurance Prices

Finding low-cost insurance for a new or used Ford Flex could be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to find auto insurance online and we’ll show you the quickest way to compare rates for a new or used Ford and locate the lowest price from both online companies and local agents.

It’s smart to do rate comparisons once or twice a year because prices are rarely the same from one policy term to another. Just because you found the lowest rates for Flex coverage a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re about to find out how to use online quotes to find great coverage at a great price.

Pricing affordable protection is not that difficult. Just about every driver who carries auto insurance will most likely be able to lower their premiums. Nevertheless, consumers need to have an understanding of how insurance companies compete online and take advantage of how the system works.

Impacting insurance rates for a Ford Flex

It’s important that you understand the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

• Lower miles equals lower premium – Driving more miles each year the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Improper usage on your Flex can result in significantly higher rates. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because it can save money.
• Clean credit earns discounts – A driver’s credit score is a huge factor in determining what you pay for auto insurance. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit ratings. If your credit history is low, you could pay less to insure your Ford Flex by improving your credit score.
• Frequent auto insurance claims increase rates – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance companies award cheaper rates to drivers who do not file claims often. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Are you male or female? – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes have accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.

Compare the Market for Auto Insurance

Effectively comparing auto insurance prices can be a lot of work if you don’t understand the most efficient way to do it. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

To access this free quoting program, click to open in new window.

The only drawback to using this type of system is that consumers can’t choose the providers you want to price. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using the exact same coverages for every quote you compare. If you use mixed coverages it will be very difficult to determine the lowest rate for your Ford Flex. Quoting even small variations in coverages may cause a big price difference. And when price shopping your coverage, more quotes will improve the odds of getting the best price.

The fine print in auto insurance ads

Auto insurance providers like Allstate and Progressive constantly bombard you with ads on TV and radio. They all make the same claim about savings if you switch to them. How can each company claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver that earns them a profit. For instance, a profitable customer might be profiled as over the age of 40, owns a home, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who don’t measure up to the requirements will be charged higher rates and ends up with the customer not buying. The ads say “people who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently state the savings.

That is why it is so important to compare many company’s rates. It’s impossible to know which auto insurance company will fit your personal profile best.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but some must be specially asked for before you get the savings.

• Federal Employees – Employees or retirees of the government may qualify you for a discount for Flex coverage with select insurance companies.
• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Flex coverage.
• Sign Online – Certain companies will give a small break for buying your policy online.
• Claim Free – Good drivers with no accidents pay less when compared to drivers who are more careless.
• Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
• Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Flex coverage than drivers with accident claims.

Drivers should understand that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

For a list of insurance companies offering auto insurance discounts, click here to view.

Affordable insurance is out there

When you buy insurance online, do not reduce needed coverages to save money. There are a lot of situations where an insured dropped collision coverage and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

In this article, we covered many tips how you can shop for Ford Flex insurance online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a small mutual company.

Affordable Ford Flex insurance is possible online and with local insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.