Best Insurance for a Ford Flex in Montgomery

Insurance rates Ford Flex in MontgomeryFinding low-cost insurance for a Ford Flex in Alabama can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to buy car insurance and we'll show you the quickest way to compare rates for your Ford and get the cheapest rates from both online companies and Montgomery agents.

It's smart to quote other rates yearly because car insurance prices are variable and change quite frequently. Even if you got the best rate on Ford Flex insurance in Montgomery last year there may be better deals available now. You can find a lot of information about Flex insurance on the internet, but in this article, you're going to get some guaranteed methods to lower your car insurance rates in Montgomery.

The quickest way to compare insurance rates in your area utilizes the fact most larger insurance companies allow for online access to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details such as your education level, driver details, whether or not you need a SR-22, and how your vehicles are used. Your rating data is submitted instantly to many different companies and you receive quotes instantly to find the best rate.

To find lower cheaper Ford Flex insurance rates now, click here and find out if you can get cheaper insurance in Montgomery.

The companies shown below are our best choices to provide price quotes in Montgomery, AL. If the list has multiple companies, we suggest you click on several of them in order to get a fair rate comparison.

Ford Flex Insurance Rates in Montgomery, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $252 $436 $318 $18 $94 $1,118 $93
Flex SEL 2WD $282 $606 $382 $22 $114 $1,406 $117
Flex SEL AWD $194 $368 $438 $26 $132 $1,158 $97
Flex Limited 2WD $202 $326 $338 $20 $100 $986 $82
Flex Limited AWD $174 $318 $354 $20 $106 $972 $81
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in specific Montgomery garaging location which can increase or decrease coverage prices noticeably.

Physical damage deductible comparison

One common question asked by Montgomery drivers is how high or low should comp and collision deductibles be. The tables below may help to illustrate the rate differences between low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.

Ford Flex insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $294 $440 $338 $20 $100 $1,217 $101
Flex SEL 2WD $294 $518 $338 $20 $100 $1,295 $108
Flex SEL AWD $328 $518 $338 $20 $100 $1,329 $111
Flex Limited 2WD $328 $518 $338 $20 $100 $1,329 $111
Flex Limited AWD $328 $518 $338 $20 $100 $1,329 $111
Get Your Own Custom Quote Go
Ford Flex insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $182 $276 $338 $20 $100 $916 $76
Flex SEL 2WD $182 $326 $338 $20 $100 $966 $81
Flex SEL AWD $202 $326 $338 $20 $100 $986 $82
Flex Limited 2WD $202 $326 $338 $20 $100 $986 $82
Flex Limited AWD $202 $326 $338 $20 $100 $986 $82
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific zip code location which can decrease or increase auto insurance rates significantly.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $27 more each month or $324 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 28 months between claim filings, you would most likely save money if you choose the higher deductible.

Car insurance deductibles

The example below demonstrates how deductible levels and can influence Ford Flex insurance premiums for each different age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Discounts mean cheaper rates for Ford Flex insurance in Montgomery

Car insurance companies do not list every available discount very clearly, so below is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy Montgomery car insurance online.Insurance discounts

Remember that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it appears adding up those discounts means a free policy, companies wouldn't make money that way.

Insurance companies that possibly offer these benefits include:

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in Montgomery.

Informed Consumers Can Slash Their Insurance Rates

It's important that you understand the different types of things that aid in calculating your premiums. If you know what influences your rates, this allows you to make educated decisions that can earn you much lower annual insurance costs.

The factors shown below are some of the major factors used by companies to determine rates.

Auto insurance rates and your vocation - Jobs like military personnel, airline pilots, and accountants tend to pay higher average rates because of intense work requirements and incredibly demanding work hours. Other careers such as professors, athletes and performers receive lower rates.

Always have auto insurance - Allowing your coverage to lapse is a quick way to bump up your auto insurance costs. Not only will you pay more, being ticketed for driving with no insurance may result in fines or a revoked license.

Drivers with good credit save on auto insurance - Credit history can be a huge factor in determining your rates. People with excellent credit tend to file fewer claims as compared to drivers with poor credit. So if your credit rating is lower than you'd like, you could be paying less to insure your Ford Flex by improving your rating.

Liability insurance - The liability section of your policy will protect you in the event that a court rules you are at fault for an accident. Liability provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

With age comes responsibility - Older drivers are viewed as being more responsible, tend to cause fewer accidents, and tend to be get fewer driving tickets.Youthful drivers have been known to get distracted easily when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.

Raise comp and collision deductibles and save - Coverage for physical damage, aka comp and collision, helps pay for damage to your vehicle. Some examples of claims that would be covered are a dented fender, flood damage, and burglary. Your deductibles define how much you are required to spend if you file a covered claim. The more you pay before a claim is paid (deductible), the lower your rates will be.

Getting married is a good thing - Having a wife or husband may earn you lower rates on your policy. Having a spouse translates into being more responsible and insurance companies reward insureds because being married results in fewer claims.

Ford Flex claim probability - Insurance companies factor in insurance loss information when determining insurance rates. Vehicles that are shown to have a trend towards higher claim severity or frequency will have higher rates. The next table shows the historical loss data for Ford Flex vehicles.

For each coverage category, the loss probablilty for all vehicles, as a total average, equals 100. Percentage values below 100 suggest losses that are better than average, while percentage values above 100 indicate more frequent claims or statistically larger claims.

Auto Insurance Loss Data for Ford Flex Models

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Flex 4dr 2WD 89 84 107 91 100 87
Ford Flex 4dr 4WD 105 84 119 77 79 75
BETTER
AVERAGE
WORSE

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Local Montgomery car insurance agents

Some people would rather sit down and talk to an agent and that is not a bad decision Professional insurance agents can answer important questions and help in the event of a claim. One of the great benefits of getting free rate quotes online is that drivers can save money and get the best rates and still have an agent to talk to.

Find insurance agent in MontgomeryOnce you complete this short form, your information is submitted to insurance agents in Montgomery who will give competitive quotes to get your business. It simplifies rate comparisons since you won't have to contact any insurance agencies because quoted prices will be sent straight to your inbox. If for some reason you want to quote rates from a specific company, you would need to go to their quote page and fill out their quote form.

Deciding on an insurance company should include more criteria than just a cheap quote. The questions below may impact your decision as well.

Shown below is a list of insurance companies in Montgomery that are able to give price quotes for Ford Flex insurance in Montgomery.

More Montgomery agents

After getting acceptable answers to your questions and inexpensive Ford Flex insurance in Montgomery quotes, you may have just found an insurer that can properly service your car insurance policy. It's important to know that policyholders can cancel a policy whenever you wish so don't think you're contractually obligated to the car insurance policy for any length of time.

When in doubt talk to an agent

When it comes to the right insurance coverage for your vehicles, there really isn't a "perfect" insurance plan. Your situation is unique.Higher deductibles save money

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.

A conclusion for your insurance search

When getting Montgomery car insurance quotes online, never reduce needed coverages to save money. There are too many instances where consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best possible price and still be able to protect your assets.

Throughout this article, we presented many tips how you can lower your Ford Flex insurance premium rates in Montgomery. The key thing to remember is the more companies you get prices for, the better chance you'll have of finding affordable Montgomery car insurance quotes. You may even find the lowest priced insurance comes from a company that doesn't do a lot of advertising.

Consumers switch companies for many reasons like policy non-renewal, denial of a claim, delays in responding to claim requests or lack of trust in their agent. Whatever your reason, choosing a new insurance company can be easier than you think.

Additional insurance information is available at these links: