Discount Ford Flex insuranceAre you sick and tired of sacrificing to keep your car insured? Your situation is no different than the majority of other vehicle owners in Indiana.

A recent survey discovered that the vast majority of consumers kept their policy with the same company for at least four years, and approximately 38% of consumers have never shopped around. With the average insurance premium being $1,390, Evansville drivers can save approximately $700 each year by just shopping around, but most undervalue how much savings they would realize if they swap their current policy for a cheaper one. You have so many insurers to buy insurance from, and although it's nice to have a choice, more options can take longer to find the best rates for Ford Flex insurance in Evansville.

The following companies offer price quotes in Evansville, IN. If multiple providers are shown, it's a good idea that you click on several of them in order to get a fair rate comparison.

Ford Flex Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $272 $436 $280 $16 $84 $1,088 $91
Flex SEL 2WD $264 $504 $286 $16 $86 $1,156 $96
Flex SEL AWD $168 $270 $280 $16 $84 $818 $68
Flex Limited 2WD $154 $250 $290 $18 $86 $798 $67
Flex Limited AWD $168 $270 $280 $16 $84 $818 $68
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific location which can revise rates considerably.

Car insurance deductibles

One common question asked by Evansville drivers is how high or low should comp and collision deductibles be. The comparisons below highlight the differences in premium rates when you choose different coverage deductibles. The first set of rates uses a $250 deductible and the second rate table uses a $1,000 deductible.

Ford Flex insurance prices 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
Get Your Own Custom Quote Go
Ford Flex insurance prices 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
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium costs do not factor in garaging location in Evansville which can decrease or increase rates greatly.

Based on the above data, using a $250 deductible costs approximately $23 more each month or $276 for a full year than quoting the higher $1,000 deductible. Since the policyholder 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 normally average at a minimum 33 months between claim filings, you would most likely save money going with the higher deductible.

Cheap Evansville auto insurance rates with discounts

Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available to help offset the cost. Most are applied when you get a quote, but a few need to be inquired about prior to getting the savings.Auto insurance discounts

A quick disclaimer, most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

Companies that may offer these benefits possibly include:

When quoting, ask every insurance company to give you their best rates. All car insurance discounts may not be available in Evansville. To see insurers who offer discounts in Indiana, click here to view.

Ford Flex Insurance Rates Can Be More Affordable

Part of the auto insurance buying process is learning a few of the rating criteria that are used to determine your auto insurance rates. If you have some idea of what determines base rates, this helps enable you to make changes that could result in cheaper rates. Lots of things are used in the calculation when pricing auto insurance. A few of the factors are predictable like an MVR report, although some other factors are more obscure such as your credit history or your vehicle rating.

The items below are some of the major factors companies use to determine rates.

Use one insurance company and save - The majority of insurers will give better rates to clients who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to compare other company rates to make sure you are getting the best deal.There is a chance you can save even more even if you have your coverage with different companies

Theft deterrents lower premiums - Buying a car with an alarm system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your vehicle from being stolen.

A good credit rating can save money - An insured's credit history factor in calculating your premium rate. Therefore, if your credit rating is low, you could save money insuring your Ford Flex by improving your credit score. Insureds that have very good credit scores tend to be better risks to insure as compared to drivers with bad credit.

Add-on coverages can add up - Insurance companies have many add-on coverages you can purchase on your Flex policy. Things like vanishing deductibles, accidental death, and term life insurance could be just wasting money. The coverages may be enticing when discussing your needs, but if they're wasting money eliminate them to save money.

Never let your auto insurance policy lapse - Driving any period of time without insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. Not only will you pay more, getting caught without coverage may result in fines or a revoked license.

More performance means higher rates - The make and model of the vehicle you need insurance for makes a huge difference in determining your rates. The lowest premiums will normally be found when insuring economy passenger cars, but that's not the only thing that factors into the final price. Due to the fact that the Ford Flex falls in the crossover class, insuring your vehicle will cost slightly more than the average rate where you live in Evansville.

Ford Flex insurance loss data - Insurance companies factor in insurance loss information to calculate a rate that will offset any claims. Vehicles that have higher losses will cost more for coverage.

The next table shows the collected loss data for Ford Flex vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as an average, is equal to 100. Values that are below 100 imply a favorable loss record, while values that are above 100 indicate more frequent losses or a tendancy for losses to be larger than average.

Ford Flex Insurance Claim Statistics

Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

What if I want to buy from local Evansville auto insurance agents?

Many people still prefer to visit with an insurance agent and that is OK! Professional agents are highly skilled in risk management and help submit paperwork. The best thing about getting free rate quotes online is that drivers can save money and get cheap car insurance rates but also keep your business local. And supporting neighborhood agents is still important in Evansville.

Insurance agents in EvansvilleUpon completion of this quick form, your insurance data is emailed to local insurance agents who will give you bids for your business. It's much easier because you don't need to contact any agents since price quotes are sent directly to you. If you need to get a rate quote for a specific company, feel free to navigate to their website and give them your coverage information.

Finding a good insurer should include more criteria than just the quoted price. These are some valid questions you should ask.

Can you really save $391 a year?

Consumers in Indiana get pounded daily by advertisements that claim the lowest car insurance rates from companies such as Allstate, GEICO and Progressive. All the companies tend to make the same promise of big savings just by switching your coverage.

How do they all lower your car insurance rates? It's all in how they say it.

Most companies quote the lowest rates for the type of customer that will not have excessive claims. An example of a profitable customer could possibly be over the age of 40, has never had a claim, and drives newer vehicles. A driver that fits those parameters will probably get the lowest prices and is almost guaranteed to save money with a new company.

Potential customers who do not match the "perfect" profile may be required to pay a higher rate which results in the prospect going elsewhere. The ads say "drivers that switch" not "all people who quote" save money. This is how companies can advertise the savings.

This emphasizes why you really need to get Evansville auto insurance quotes as often as possible. It's impossible to know which insurance company will have the best Ford Flex insurance in Evansville.

Cheap insurance premiums are possible

We just covered a lot of tips how to save on Ford Flex insurance in Evansville. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the most savings is with a small local company. Regional companies often have lower premium rates on specific markets compared to the large companies like Allstate or State Farm.

As you restructure your insurance plan, it's very important that you do not reduce needed coverages to save money. In many cases, an accident victim reduced collision coverage only to find out that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price and still be able to protect your assets.

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