Lower Your 2010 Ford Flex Car 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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I doubt anyone likes buying auto insurance, especially when the prices are way too high. Since you have so many companies and agents to choose from, it’s difficult to pick the right company.

Finding the lowest cost coverage is quite easy. If you have insurance now or are shopping for new coverage, you can use these tips to get lower rates and possibly find even better coverage. Drivers only need to know the best way to get comparison rates over the internet.

What impacts Ford Flex insurance prices?

Multiple criteria are used in the calculation when premium rates are determined. Some are pretty understandable such as your driving history, although others are more transparent such as whether you are married and annual miles driven.

  • Prices also based on gender – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both sexes are responsible for fender benders in similar percentages, but the men have accidents that have higher claims. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving.
  • Don’t cut corners with liability – Your policy’s liability coverage provides coverage if ever you are determined to be liable for causing damage or personal injury in an accident. It will provide you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Rates can drop if you have more than one policy – The majority of insurance companies apply lower prices for people who have multiple policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even if you qualify for this discount already, it’s always a smart idea to compare other company rates to guarantee you are still saving the most.
  • Driving citations cost more than a fine – Getting just one chargeable violation can increase the cost of insurance substantially. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers who get dangerous violations such as DUI, reckless driving or excessive speeding may need to maintain a SR-22 with their state DMV in order to keep their license.

Use discounts on insurance coverage

Car insurance companies don’t always advertise every discount they offer in an easy-to-find place, so the below list has a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Government Employees – Active or former government employment could cut as much as 10% off on Flex insurance depending on your company.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Accident Forgiveness – Not necessarily a discount, but companies like GEICO, Progressive, and Allstate permit an accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
  • Renewal Discounts – A few insurance coverage companies allow discounts for signing up before your current policy expires. The savings is around 10%.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of more than 20%.
  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride. But all discounts will help lower your policy cost.

Popular insurance coverage companies and a partial list of their discounts are detailed below.

  • State Farm has discounts for passive restraint, defensive driving training, multiple autos, Steer Clear safe driver discount, good driver, and driver’s education.
  • Nationwide may include discounts for good student, business or organization, family plan, defensive driving, and Farm Bureau membership.
  • GEICO includes discounts for multi-vehicle, driver training, federal employee, anti-lock brakes, membership and employees, good student, and anti-theft.
  • AAA offers discounts for AAA membership discount, anti-theft, education and occupation, multi-car, and good driver.
  • 21st Century has savings for theft prevention, anti-lock brakes, early bird, air bags, automatic seat belts, driver training, and teen driver.
  • The Hartford may have discounts that include defensive driver, driver training, vehicle fuel type, air bag, bundle, anti-theft, and good student.

If you are trying to find cheap insurance coverage quotes, ask each insurance company which credits you are entitled to. Discounts might not be available to policyholders in your area. For a list of companies that provide some of the discounts listed above, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover whether you will benefit from professional help.

  • Do I need added coverage for expensive stereo equipment?
  • What can I do if my company won’t pay a claim?
  • Does my 2010 Ford Flex need full coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when using my vehicle for business?
  • Does my 2010 Ford Flex qualify for pleasure use?
  • Is upholstery damage covered by car insurance?
  • Do I need PIP coverage since I have good health insurance?
  • When should I remove comp and collision on my 2010 Ford Flex?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the best coverages 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 typical coverage types offered by insurance companies.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, falling objects and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

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

Collision coverage pays for claims such as scraping a guard rail, sustaining damage from a pot hole, crashing into a building, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverage

This provides protection from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, court costs, bail bonds, emergency aid and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liability limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for funeral costs, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

A tidy conclusion

When shopping online for insurance coverage, do not sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Cheap 2010 Ford Flex insurance is attainable both online and from local agencies, so get free insurance coverage quotes from both of them to have the best rate selection. Some companies don’t offer price quotes online and many times these small, regional companies prefer to sell through independent agents.

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