Cheap 2019 Ford Flex 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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Nobody looks forward to paying premiums for insurance, especially when they know they are paying too much. You have multiple insurers to insure vehicles with, and though it is a good thing to have a choice, more choices can make it harder to get the best deal.

It’s important to check insurance prices before your next renewal because rates change regularly. Just because you had the best deal for Flex insurance last year the chances are good that you can find a lower price today. Ignore everything you know about insurance because we’re going to show you the right way to save money, get proper coverage and the best rates.

How to find low cost insurance coverage

There are several ways to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Most major companies participate in an industry program where prospective buyers submit their information once, and every company can give them a price. This saves time by eliminating quotation requests to each individual insurance coverage company.

To find out how much you’re overpaying now enter your zip code here.

The only downside to pricing coverage this way is you cannot specify which insurance companies to receive prices from. If you prefer to choose specific providers to request quotes from, we have a listing of insurance coverage companies in your area. Click to enter zip code.

It doesn’t matter which method you choose, just make sure you use nearly identical coverage limits and deductibles for each comparison quote. If you use different deductibles it will be impossible to determine which rate is truly the best.

Insurance policy discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts that can dramatically reduce your bill. Most are applied at the time you complete a quote, but a few must be specifically requested prior to receiving the credit.

  • Good Student Discount – Being a good student can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Multiple Vehicles – Drivers who insure primary and secondary vehicles with the same company can reduce the rates for all insured vehicles.
  • Discount for Switching Early – A few companies give discounts for switching to them before your current policy expires. It could save around 10% when you buy car insurance online.
  • Discount for Life Insurance – Larger insurance companies have a discounted insurance rate on car insurance if you buy a life insurance policy as well.
  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance for Flex insurance but check with your company.
  • Payment Method – By making one initial payment instead of paying each month you may reduce your total bill.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, you’re out of luck.

Popular insurance companies and their offered discounts are included below.

  • GEICO has savings for multi-policy, federal employee, anti-theft, emergency military deployment, military active duty, and air bags.
  • SAFECO includes discounts for drive less, homeowner, anti-theft, accident prevention training, teen safety rewards, bundle discounts, and anti-lock brakes.
  • State Farm discounts include multiple policy, good student, multiple autos, passive restraint, anti-theft, good driver, and safe vehicle.
  • MetLife may offer discounts for good student, accident-free, claim-free, defensive driver, good driver, multi-policy
  • 21st Century policyholders can earn discounts including theft prevention, 55 and older, good student, automatic seat belts, and anti-lock brakes.
  • Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, good student, online signing, and online quote discount.

Check with all the companies which credits you are entitled to. Some of the discounts discussed earlier may not be available in your state.

What affects Ford Flex insurance prices?

Part of the car insurance buying process is learning a few of the rating criteria that come into play when calculating car insurance rates. When consumers understand what determines premiums, this enables you to make decisions that may reward you with better car insurance rates.

  • Save money by having multiple policies – The majority of insurers provide discounts to people that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount applied, you still need to comparison shop to guarantee you are still saving the most.
  • Cheaper rates with safer cars – Vehicles with good safety scores are cheaper to insure. Vehicles engineered for safety protect occupants better and lower rates of occupant injuries means lower claim amounts which can result in lower premiums.
  • Do you have a tough vocation? – Careers like military generals, executives and emergency personnel have higher premium rates because of intense work situations and lots of time spent at work. On the other hand, jobs like actors, athletes and homemakers have the lowest average rates for Flex insurance.
  • Avoid policy lapses – Allowing your coverage to lapse can be a sure-fire way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Drive less and get lower prices – The more you drive your Ford in a year the higher your rates will be. The majority of insurers calculate prices based on their usage. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An incorrectly rated Flex may be wasting your money. It’s always a good idea to double check that your car insurance policy shows the correct driver usage.
  • How much liability insurance do you need? – Liability insurance is the coverage that protects you if a court rules you are at fault for damages from an accident. This coverage provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

How do I know if I need professional advice?

When choosing adequate coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Can I rate high risk drivers on liability-only vehicles?
  • When would I need additional glass coverage?
  • If I drive on a suspended license am I covered?
  • Is my 2019 Ford Flex covered for smoke damage?
  • Am I covered when pulling a rental trailer?
  • Will my rates increase for filing one claim?
  • If my pet gets injured in an accident are they covered?
  • Is my camper covered by my car insurance policy?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out your zip code. It’s fast, free and may give you better protection.

Ads can be misleading

Consumers can’t get away from ads for insurance coverage savings from companies such as Allstate and Progressive. They all try to convey promises that you can save if you just switch your insurance coverage policy to them.

How is it plausible that every one can lower your rates? It’s all in the numbers.

Many companies quote their best rates for the type of customer that will add to their bottom line. For example, a profitable customer might be described as between the ages of 30 and 50, has no tickets, and drives a lower-performance vehicle. A driver who matches that profile gets the lowest rates and as a result will probably cut their rates if they switch.

People who fall short of those criteria will see a higher premium and this can result in the prospect going elsewhere. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can state the savings. Because every company is different, drivers should quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings.

Insurance coverage specifics

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Flex.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for X-ray expenses, chiropractic care, funeral costs and doctor visits. They 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 in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, a broken windshield, damage from a tornado or hurricane, falling objects and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, structural damage, bail bonds, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage – This pays for damage to your Flex from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, backing into a parked car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Quote often and quote early

We just showed you some good ideas how you can lower your 2019 Ford Flex insurance car insurance rates. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheap car insurance. You may be surprised to find that the lowest car insurance rates are with the least-expected company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

When getting car insurance quotes online, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

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