Cheap 2015 Ford Flex Car Insurance Cost 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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Searching for better auto insurance rates for your Ford Flex? Being forced to pay for overpriced auto insurance premiums can deplete your family’s budget and force you to cut corners elsewhere. Big-name insurance companies like Allstate and Progressive continually bombard you with advertising and it can be hard to ignore the promise of big savings and find the best price available.

It’s smart to take a look at other company’s rates periodically because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates for Flex coverage a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re going to learn the tricks you need to know to reduce your cost while increasing coverage.

If you have a current auto insurance policy or are just looking to switch companies, you can learn to get lower rates and still get good coverage. Finding the best rates is not that difficult. Vehicle owners only need an understanding of the best way to compare price quotes online.

First Step: Get free insurance quotes

Effectively comparing insurance prices can be challenging if you don’t understand the fastest way to get free quotes. You can waste hours talking to insurance agencies in your area, or you can utilize online quotes to get prices fast.

Many popular insurance companies belong to a marketplace that allows shoppers to enter their policy data once, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions for each company.

To participate in this free quote system, enter your zip code here.

One minor caveat to using this type of system is you cannot specify which carriers to receive prices from. If you wish to select specific insurance companies to compare rates, we have a page of insurance companies in your area. Click to enter zip code.

Take whichever approach you prefer, but make sure you compare the exact same coverages on every quote. If you compare different limits and deductibles on each one it will be impossible to make a fair rate comparison.

The insurance coverage bait and switch

Consumers can’t ignore all the ads that promise big savings for switching by State Farm, GEICO and Progressive. All the companies try to convey promises that you can save if you move your insurance coverage policy to them.

But how can every company cost less than your current company? It’s all in the numbers.

All the different companies provide the lowest rates for the type of driver they prefer to insure. For example, a preferred risk could possibly be a female over age 40, has never had a claim, and has a short commute. Someone who meets those qualifications will probably get cheap car insurance rates and will save quite a bit of money when switching.

People who don’t qualify for these standards will get higher premiums which usually ends up with the customer buying from a different company. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” can save as much as they claim. That’s why companies can make the claims of big savings.

Each company has different criteria, so drivers should get as many free car insurance quotes as possible. It’s just not possible to know which insurance companies will have the lowest rates.

Find lower-cost auto insurance with these tips

Smart consumers have a good feel for a few of the rating criteria that come into play when calculating the price you pay for auto insurance. If you understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The factors shown below are just a few of the factors companies use to determine rates.

  • Bundle policies and save money – Most auto insurance companies allow better rates to insureds who have multiple policies with them in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to confirm you are receiving the best rates possible.
  • Never have auto insurance lapses – Driving your car without having proper coverage is not a good idea and you will pay a penalty because you let your coverage lapse. Not only will you pay more, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license.
  • Remove unneeded add-on coverages – There are a ton of extra coverages that you can get tricked into buying if you aren’t diligent. Coverages like replacement cost coverage, accidental death, and motor club memberships may be wasting your money. These may sound like a good investment when discussing your needs, but your needs may have changed so remove them and pocket the money.
  • Do you have enough liability protection? – Your auto insurance policy’s liability coverage is the protection if a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Use credit responsibly and save – Having a good credit history can be an important factor in your rate calculation. If your credit rating could use some work, you may save money insuring your 2015 Ford Flex by taking the time to improve your credit score. People that have very high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit ratings.

Discounts for affordable insurance coverage quotes

Auto insurance companies do not list all discounts in a way that’s easy to find, so the next list breaks down both well-publicized as well as some of the hidden discounts that you may qualify for.

  • Good Students Pay Less – Being a good student may save as much as 25% on a car insurance quote. This discount can apply until age 25.
  • No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote compared to insureds who have frequent claims or accidents.
  • Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease for Flex coverage but check with your company.
  • Multi-line Discount – Insurance coverage companies who offer life insurance give a lower premium rate if you buy life insurance.
  • Senior Citizens – Drivers over the age of 55 may receive reduced rates for Flex coverage.

Discounts lower rates, but some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, you’re out of luck.

Companies that may offer many of the previously listed discounts are:

  • State Farm
  • American Family
  • AAA
  • Mercury Insurance
  • Farmers Insurance
  • Progressive

Before you buy a policy, ask all the companies which credits you are entitled to. All car insurance discounts might not be offered in your area. To locate insurance coverage companies that can offer you the previously mentioned discounts, enter your zip code here.

You may need specialized insurance coverage

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining whether you might need an agent’s assistance.

  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving in Canada or Mexico?
  • Can my teen drive my company car?
  • What are the best liability limits?
  • Is my teenager covered with friends in the car?
  • Why am I required to buy high-risk coverage?
  • What is an SR-22 filing?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy aids in choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by car insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, structural damage and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, hospital visits, dental work and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision coverage will pay to fix damage to your Flex resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle, crashing into a ditch and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, vandalism and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

In conclusion

Some companies do not offer online price quotes small insurance companies only sell through local independent agents. Low-cost 2015 Ford Flex insurance is available on the web and from local agencies, and you should compare rates from both so you have a total pricing picture.

We’ve covered a lot of techniques to compare 2015 Ford Flex insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a small local company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

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