2013 Ford Flex Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 31, 2024

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Buyers have lots of choices when searching for the lowest priced Ford Flex insurance. They can either spend hours contacting agents to compare prices or save time using the internet to compare rates.

There are more efficient ways to find auto insurance online so we’re going to tell you the quickest way to price shop coverage on a Ford and locate the lowest price from both online companies and local agents.

What determines Ford Flex insurance rates?

Many things are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but some are more obscure like where you live or how safe your car is.

  • Low stress occupation equals lower premiums – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like doctors, business owners and miners tend to pay higher premiums than the average policyholder in part from high stress and extremely grueling work hours. On the flip side, jobs like scientists, students and performers have lower than average premiums for Flex insurance.
  • Don’t let your policy lapse – Allowing your coverage to lapse is a sure-fire way to drive up your policy premiums. In addition to paying higher rates, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.
  • More people means more accidents – Residing in less populated areas of the country is a good thing when talking about auto insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. Urban drivers have to deal with much more traffic and much longer commute distances. More time on the road means a statistically higher chance of an accident.
  • Insurance companies don’t like frequent auto insurance claims – If you’re an insured who likes to file claims don’t be surprised to see either higher rates or even cancellation. Companies generally give the best rates to policyholders that do not abuse their auto insurance. Insurance coverage is designed for claims that you cannot pay yourself.
  • See if your company offers a multi-policy discount – Lots of insurance companies will give a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. Even if you already get this discount, drivers will still want to check prices from other companies to verify if the discount is saving money.
  • Being married can lower premiums – Being married may save some money on your auto insurance policy. Marriage generally demonstrates drivers are more responsible and statistics show married drivers tend to have fewer serious accidents.
  • Vehicle options that cut rates – Purchasing a vehicle with advanced anti-theft systems can help lower your rates. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
  • Gender matters – Statistics demonstrate that females tend to be a little less risky than males. It does not mean women are BETTER drivers than men. Females and males cause fender benders at a similar rate, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI). Youthful male drivers cause the most accidents and therefore have the most expensive auto insurance rates.

These discounts can lower insurance rates

Companies don’t necessarily list the complete list of policy discounts very clearly, so the list below gives a summary of both the well known and the more hidden savings tricks you should be using when you buy insurance online. If you are not receiving all the discounts possible, you’re paying more than you need to.

  • Multi-policy Discount – If you combine your homeowners and auto policies with one company you may earn approximately 10% to 15%.
  • Driver Training Discounts – Taking time to complete a class that teaches defensive driving techniques could possibly earn you a 5% discount if your company offers it.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.
  • Payment Discounts – By making one initial payment rather than paying monthly you can avoid the installment charge.
  • Early Signing – A few insurance companies allow discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • E-sign Discounts – Some of the larger companies provide a small discount just for signing your application digitally online.
  • Good Students Pay Less – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Savings for New Vehicles – Insuring a new car can cost up to 25% less since newer models are generally safer.
  • Theft Deterrent System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Waiver for an Accident – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.

Drivers should understand that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of insurance companies and the discounts they provide can be read below.

  • State Farm offers discounts for Drive Safe & Save, safe vehicle, defensive driving training, good driver, multiple autos, student away at school, and anti-theft.
  • Farmers Insurance has discounts for business and professional, alternative fuel, multi-car, switch companies, mature driver, and early shopping.
  • Progressive may have discounts that include homeowner, good student, multi-vehicle, online quote discount, multi-policy, and continuous coverage.
  • GEICO offers premium reductions for five-year accident-free, military active duty, anti-theft, driver training, multi-policy, emergency military deployment, and defensive driver.
  • Auto-Owners Insurance offers discounts including safe driver, paperless, paid in full, air bags, teen driver, good student, and safe vehicle.
  • The Hartford discounts include driver training, defensive driver, air bag, good student, bundle, and vehicle fuel type.
  • Farm Bureau may include discounts for safe driver, driver training, multi-vehicle, 55 and retired, and good student.
  • USAA includes discounts for annual mileage, safe driver, loyalty savings, military installation, vehicle storage, new vehicle, and driver training.

Double check with all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders everywhere.

Don’t listen to company ads

Drivers can’t get away from all the ads for auto insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all state the claim about savings if you move your coverage to them.

How is it possible that every company can charge lower premium rates? It’s all in the numbers.

Many companies have specific guidelines for the type of driver they prefer to insure. One example of a desirable risk could be between 30 and 50, has other policies, and drives a lower-performance vehicle. Any new insured that meets those criteria will get the preferred car insurance rates and therefore will save when switching.

Drivers who cannot meet the requirements will probably have to pay higher prices which results in the customer buying from someone else. The ads state “customers that switch” not “everyone that quotes” save that much. That’s why companies can truthfully claim big savings.

This really drives home the point why you really need to compare as many free insurance quotes as you can. Because without a comparison, you cannot know the company that will have the best premium rates for your profile.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if your situation may require specific advice.

  • Do I need rental car coverage?
  • What is an SR-22 filing?
  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability do I need to cover my assets?
  • When should my teen driver be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my 2013 Ford Flex is worth?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and you can get the answers you need.

Coverage specifics

Learning about specific coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverage – Liability insurance can cover damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, funeral expenses and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision coverages – This coverage covers damage to your Flex resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for things like nursing services, surgery, prosthetic devices and pain medications. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Save your hard earned cash

You just read many ideas to get a better price on 2013 Ford Flex insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the most savings is with a company that doesn’t do a lot of advertising.

When shopping online for insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Cost effective 2013 Ford Flex insurance can be purchased both online and also from your neighborhood agents, so you need to shop insurance with both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and these small, regional companies work with local independent agencies.

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