Cheap 2014 Ford Flex Insurance Quotes 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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No one fancies paying their premiums for auto insurance, in particular when their premiums are through the roof.

Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding the best rates is quite easy. Although consumers must understand the methods companies use to compete online and use this information to your advantage.

Verify you’re getting every discount

Companies offering auto insurance don’t always list every discount very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Early Payment Discounts – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
  • Claim Free – Drivers who stay claim-free pay less as compared to policyholders that have many claims.
  • Early Switch Discount – Select car insurance companies give a discount for signing up prior to your current policy expiring. This discount can save up to 10%.
  • Discount for Low Mileage – Maintaining low annual mileage may allow you to get substantially lower rates.
  • One Accident Forgiven – This one is not really a discount per se, but some companies like Libery Mutual, GEICO and Allstate may permit one accident before raising your premiums so long as you are claim-free for a certain period of time.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt could save 15% off the personal injury premium cost.
  • Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you will save up to 20% off your total premium.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may qualify for discounts of 25 to 30%.

Just know that most discount credits are not given to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

Car insurance companies who may offer some of the above discounts may include but are not limited to:

  • State Farm
  • Farmers Insurance
  • Progressive
  • Auto-Owners Insurance
  • The Hartford
  • Farm Bureau
  • USAA

Before buying, ask each company or agent to give you their best rates. Some of the discounts discussed earlier may not apply to policyholders in your area.

Shop auto insurance online

There are several ways to shop for auto insurance, but there is one way that is less time-consuming than others. You could waste time talking to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

Many of the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company then returns a price quote based on that information. This prevents consumers from doing quote requests to every company.

To compare pricing enter your zip code here.

One minor caveat to using this type of form is buyers cannot specifically choose which carriers to receive prices from. So if you prefer to choose individual companies to compare prices, we have a page of auto insurance companies in your area. Click to enter zip code.

Compare rates however you want, just compare the same coverages on every price quote you get. If you use different coverage information you will not be able to make a fair comparison for your Ford Flex. Having just a slight variation in insurance coverages or limits could mean much higher rates. Just keep in mind that more quotes increases the change that you will find the best offered rates.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • If I drive on a suspended license am I covered?
  • Does my insurance cover a custom paint job?
  • Is my dog or cat covered if injured in an accident?
  • Should I carry comprehensive and collision coverage?
  • Should I have combined single limit or split liability limits?
  • Do I have coverage when making deliveries for my home business?
  • Can I rent a car in Mexico?
  • Is my state a no-fault state?
  • Is my 2014 Ford Flex covered for smoke damage?
  • Is my trailer covered?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Coverage specifics

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills like funeral costs, EMT expenses, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, pain and suffering, court costs, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 2014 Ford Flex.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage 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 coverage protects against claims such as scraping a guard rail, sustaining damage from a pot hole, crashing into a building, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, vandalism, theft and hitting a deer. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Shop Smart and Save

We just covered many ways to reduce 2014 Ford Flex insurance rates online. The key thing to remember is the more you quote auto insurance, the higher the chance of saving money. Consumers could even find that the lowest priced insurance coverage comes from the smaller companies. These smaller insurers can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

When you buy auto insurance online, you should never sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage and learned later that it was a big mistake. Your strategy should be to buy enough coverage for the lowest cost.

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