Discount Ford Flex insuranceSearching for cheaper insurance for a Ford Flex in Indiana could be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find auto insurance online so we're going to tell you the absolute fastest way to quote coverages for a new or used Ford and obtain the lowest possible price either online or from Indianapolis insurance agents.

Sad but true, almost 70% of drivers in Indiana kept their policy with the same company for a minimum of four years, and nearly 40% of drivers have never even compared quotes to find cheaper rates. Many drivers in the U.S. can save hundreds of dollars each year, but they won't spend time to find cheaper auto insurance rates.

It's a good idea to compare premium rates periodically since insurance prices tend to go up over time. Even if you got the best deal on Ford Flex insurance in Indianapolis a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the tricks you need to know to save on auto insurance.

Compare free Indianapolis Ford Flex insurance quotes

Getting a cheaper price on Ford Flex insurance is surprisingly easy. All that's required is to take time to get quotes provided by online insurance companies.

The companies in the list below offer free rate quotes in Indianapolis, IN. If several companies are displayed, it's a good idea that you click on several of them to get a more complete price comparison.

Ford Flex Insurance Rate Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $156 $250 $270 $16 $80 $772 $64
Flex SEL 2WD $172 $340 $294 $18 $88 $912 $76
Flex SEL AWD $262 $530 $318 $18 $94 $1,222 $102
Flex Limited 2WD $262 $530 $318 $18 $94 $1,222 $102
Flex Limited AWD $262 $486 $364 $22 $110 $1,244 $104
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in specific zip code location which can impact rates considerably.

Can higher deductibles save money?

The diagram below demonstrates how deductibles and can raise or lower Ford Flex insurance costs for each age group. The costs are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Ford Flex insurance costs by gender and age

The chart below shows the comparison of Ford Flex auto insurance costs for male and female drivers. The premiums are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Higher deductibles lower rates

One of the hardest decisions when shopping for car insurance is where to set your physical damage deductibles. The comparison tables below may help to illustrate how much more rates are of buying low and high comp and collision deductibles. The first rate quote example uses a $250 deductible 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 $244 $366 $280 $16 $84 $1,015 $85
Flex SEL 2WD $244 $430 $280 $16 $84 $1,079 $90
Flex SEL AWD $272 $430 $280 $16 $84 $1,107 $92
Flex Limited 2WD $272 $430 $280 $16 $84 $1,107 $92
Flex Limited AWD $272 $430 $280 $16 $84 $1,107 $92
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Ford Flex insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $152 $230 $280 $16 $84 $762 $64
Flex SEL 2WD $152 $270 $280 $16 $84 $802 $67
Flex SEL AWD $168 $270 $280 $16 $84 $818 $68
Flex Limited 2WD $168 $270 $280 $16 $84 $818 $68
Flex Limited AWD $168 $270 $280 $16 $84 $818 $68
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in your specific Indianapolis location which can decrease or increase coverage rates significantly.

Based on the above data, using a $250 deductible will cost you about $23 more each month or $276 for a full year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 33 months between claim filings, you would come out ahead if you decide on a higher deductible.

These discounts can slash Ford Flex insurance rates

Car insurance companies don't always advertise the entire discount list in a way that's easy to find, so below is a list some of the more common as well as some of the hidden credits available to you.Discount insurance

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Despite the appearance that you could get a free insurance policy, company stockholders wouldn't be very happy. But any discount will help reduce your overall premium however.

A list of companies and a selection of discounts are outlined below.

If you need inexpensive Indianapolis auto insurance quotes, ask every company how you can save money. Some of the earlier mentioned discounts may not apply to policies in Indianapolis. To see a list of insurance companies who offer free Ford Flex insurance quotes in Indianapolis, click here to view.

Learn How to Buy Insurance More Affordably

An important part of buying insurance is that you know the rating factors that are used to determine your premiums. When consumers understand what influences your rates, this enables informed choices that could help you find lower premium levels. Lots of things are used when you get your auto insurance bill. Some are pretty understandable such as your driving history, although some other factors are more transparent such as your marital status or how financially stable you are.

Extra coverages are wasting money - There are a ton of extra add-on coverages you can purchase if you don't pay attention. Coverages like rental car reimbursement, towing, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good initially, but your needs may have changed so remove them from your policy.

Battle of the sexes - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. Both genders cause auto accidents in similar numbers, but males have accidents that have higher claims. Not only are claims higher, but men have more aggressive citations such as DWI and reckless driving.

Do safer cars cost less to insure? - Cars with high safety ratings cost less to insure. Highly rated vehicles reduce occupant injuries and better occupant protection translates directly to fewer claims and cheaper rates on your policy. If your Ford Flex is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it may be receiving lower rates.

More people means more accidents - Choosing to live in a small town can save you money when insuring your vehicles. Less people means a lower chance of having an accident in addition to lower liability claims Drivers who live in large Indiana cities have to deal with much more traffic and more time behind the wheel. Higher commute times means a statistically higher chance of an accident.

Ford Flex claim probability - Insurance companies take into consideration insurance loss statistics for every vehicle in order to profitably underwrite each model. Vehicles that statistically have higher number or severity of losses will be charged more to insure. The next table illustrates the historical insurance loss data for Ford Flex vehicles.

For each policy coverage, the loss probablilty for all vehicles, without regard to make or model, is represented as 100. Values that are under 100 imply a favorable loss record, while numbers above 100 point to more frequent losses or an increased chance of larger losses than average.

Ford Flex Insurance Loss Statistics

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

Statistics from IIHS.org for 2013-2015 Model Years

Are insurance agents obsolete?

A small number of people would rather talk to an insurance agent and that is a smart decision Licensed agents will help you protect your assets and give you someone to call. The biggest benefit of price shopping on the web is that you can find lower prices but also keep your business local. And supporting neighborhood agents is important particularly in Indianapolis.

Indianapolis insurance agentsAfter completing this simple form, your information is transmitted to local insurance agents that give free quotes and help you find cheaper coverage. There is no reason to leave your computer since rate quotes are delivered instantly to you. If you need to compare prices from a specific company, you can always go to their quote page and give them your coverage information.

Two types of Indianapolis auto insurance agents

If you are searching for a local Indianapolis insurance agent, it can be helpful to understand the types of agencies and how they function. Agents in Indianapolis are considered either exclusive agents or independent agents. Both can sell and service insurance coverage, but it's good to learn how they differ because it can factor into the kind of agent you use.

Independent Agents

Agents in the independent channel do not write with just one company so they can quote policies with an assortment of companies and help determine which has the cheapest rates. If your agent finds better pricing, your agent can just switch to a different company which requires no work on your part.

If you are comparing rate quotes, we highly recommend that you get insurance quotes from a couple of independent agencies to get the most accurate price comparison. Many write coverage with small mutual carriers that can offer cheaper rates than bigger companies.

Below is a small list of independent insurance agents in Indianapolis who can help you get price quote information.

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Exclusive Insurance Agents

Agents that elect to be exclusive can only write with one company like State Farm, Allstate, or Farmers Insurance. They usually cannot compare other company's rates so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company's products which can be an advantage. Many people use the same exclusive agent partially due to high brand loyalty rather than low rates.

Listed below are Indianapolis exclusive agencies that can give you price quote information.

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Selecting an insurance agent should include more criteria than just the quoted price. Any agent in Indianapolis should be forthright in answering these questions:

After receiving satisfactory answers to any questions you may have as well as a price you're happy with, you may have just found an auto insurance agent that can properly service your insurance policy. Keep in mind consumers can cancel coverage for any reason so don't feel that you are obligated to a specific company for the full term.

Your situation helps dictate your coverage

When quoting and comparing proper insurance coverage for your personal vehicles, there really isn't a cookie cutter policy. Everyone's needs are different so your insurance needs to address that.Higher deductibles save money Here are some questions about coverages that may help you determine if you could use an agent's help.

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Persistence pays off

Cheap Ford Flex insurance in Indianapolis is definitely available both online as well as from independent agents in Indianapolis, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not have online price quotes and most of the time these smaller companies sell through independent agencies.

When you buy Indianapolis auto insurance online, it's very important that you do not skimp on coverage in order to save money. In many instances, an insured dropped liability limits or collision coverage and learned later that they should have had better coverage. The aim is to buy the best coverage you can find at the best cost, but do not skimp to save money.

You just learned a lot of ways to find cheap Ford Flex insurance in Indianapolis. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest Ford Flex rate quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

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