View 2016 Ford Flex 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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If you’ve never shopped for insurance coverage quotes online, most likely you are bewildered due to the large selection local agents and online companies all claiming to have the lowest rates.

You need to price shop coverage quite often due to the fact that insurance prices change regularly. Just because you had the best rates for Flex coverage six months ago a different company probably has better premium rates today. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

Finding the lowest cost protection is quite easy. Just about anyone who has to buy insurance will more than likely be able to find better rates. But vehicle owners must learn how the larger insurance companies sell insurance online.

Insurance premium influencing factors

Many different elements are considered when pricing auto insurance. Some are obvious such as your driving history, although others are more transparent like your vehicle usage or your commute time. A large part of saving on insurance is knowing a few of the rating criteria that come into play when calculating your premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that could result in big savings.

  • Big city or small town – Choosing to live in less populated areas of the country is a good thing when talking about insurance. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft. Residents of big cities tend to have congested traffic and more time behind the wheel. More time behind the wheel translates into higher accident risk.
  • Protect yourself with liability protection – Liability insurance will provide protection if ever you are responsible for damages from an accident. Your liability coverage provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
  • Mature drivers are lower risk – Older, more experienced drivers are more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets. Beginning drivers have a tendency to be inattentive when behind the wheel so they pay higher insurance rates.
  • Fewer miles means better prices – Driving more miles in a year’s time the higher the price you pay to insure it. The majority of insurers charge rates based upon how the vehicle is primarily used. Cars and trucks left parked in the garage cost less to insure compared to those used for work or business. Make sure your insurance declarations sheet is rated on the right rating data. Having the wrong rating on your Flex can result in significantly higher rates.
  • Rental and towing coverage may not be needed – There are a lot of optional add-on coverages that sound like a good idea at the time if you aren’t careful. Coverage for things like rental car reimbursement, better glass coverage, and additional equipment coverage may be costing you every month. They may seem good at first, but your needs may have changed so eliminate the coverages to reduce your premium.

How to lower your insurance cost

Effectively comparing insurance prices can be challenging if you don’t utilize the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system where prospective buyers complete one form, and each company provides a quote based on the submitted data. This prevents consumers from doing form submissions for each company. To participate in this free quote system, enter your zip code here.

The one disadvantage to doing it this way is you cannot specify which companies you want to price. If you would rather choose individual companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click to enter zip code.

The approach you take is up to you, just make darn sure you compare the same quote data for each price quote. If you are comparing mixed coverages you will not be able to determine which company has the best rates. Just slight variations in coverage limits may result in large price differences. And when quoting insurance, remember that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Truth in auto insurance advertising

Big name companies like Progressive, Allstate and GEICO regularly use ads in print and on television. They all seem to make an identical promise that drivers can save some big amount if you switch your auto insurance coverage to their company. It sounds good, but how can they all give you a better price? Here is the trick they use.

Insurance providers have a certain “appetite” for the right customer that will not have excessive claims. For example, this type of driver may need to be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will probably get the lowest premium rates and will save a lot of money.

Potential insureds who don’t measure up to these standards may be required to pay higher premiums which leads to business going elsewhere. Company advertisements say “drivers that switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings.

Because every company is different, drivers should get a wide range of price quotes. It’s just too difficult to predict which company will provide the lowest car insurance rates.

Discounts to earn cheaper auto insurance rates

Auto insurance is easily one of your largest bills, but you might find some hidden discounts that you may not even be aware of. Some discounts will apply at quote time, but a few need to be manually applied prior to receiving the credit.

  • Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
  • Distant College Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
  • Student Discounts – Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Claim Free – Claim-free drivers pay less as opposed to drivers who are more careless.
  • Discounts for Government Workers – Employees or retirees of the government may reduce rates when you quote insurance coverage for Flex coverage with some auto insurance companies.

Discounts save money, but please remember that most credits do not apply to the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Large auto insurance companies and some of the premium reductions they offer are detailed below.

  • GEICO has discounts for military active duty, five-year accident-free, emergency military deployment, anti-theft, multi-policy, and membership and employees.
  • Travelers offers discounts for continuous insurance, save driver, home ownership, multi-policy, new car, multi-car, and good student.
  • Farm Bureau includes discounts for safe driver, youthful driver, driver training, 55 and retired, and multi-vehicle.
  • Liberty Mutual offers premium reductions for hybrid vehicle, new graduate, newly retired, new move discount, and new vehicle discount.
  • American Family has savings for bundled insurance, good driver, defensive driver, TimeAway discount, and early bird.
  • Progressive may include discounts for online signing, multi-policy, good student, continuous coverage, multi-vehicle, and online quote discount.

If you are trying to find cheap insurance coverage quotes, ask every insurance company what discounts are available to you. Some credits may not be available in your area. To choose auto insurance companies that offer discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions might help in determining if you would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • Does my 2016 Ford Flex qualify for pleasure use?
  • Should I have combined single limit or split liability limits?
  • Is my teenager covered with friends in the car?
  • Am I covered when delivering products for my home-based business?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out your zip code.

Auto insurance coverages

Learning about specific coverages of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

UM/UIM Coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liability limits.

Collision coverages – Collision insurance covers damage to your Flex resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, driving through your garage door, crashing into a building, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Auto liability insurance – This coverage can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, legal defense fees, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, falling objects, damage from getting keyed, a tree branch falling on your vehicle and fire damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like dental work, hospital visits and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

The bottom line

You just read a lot of tips how to compare 2016 Ford Flex insurance premium rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest premium rates are with some of the lesser-known companies.

Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, not issuing a premium refund or policy non-renewal. No matter why you want to switch, choosing a new company can be less work than you think.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage and found out when filing a claim that it was a big error on their part. The aim is to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

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