Are you trying to find lower-priced Ford Flex insurance in San Diego? Searching for the cheapest insurance for a Ford Flex in California can turn out to be difficult, but you can use the following methods to find lower rates. There is a better way to find auto insurance online so we’re going to tell you the best way to price shop coverage on a Ford and obtain the cheapest rates from San Diego insurance agents and online providers.
Locating the most cost-effective car insurance policy in San Diego seems hard but is not really that difficult. If you are already insured or are looking for a new policy, you can use this information to get lower rates without reducing coverage. Drivers just need to know the quickest way to compare price quotes from many different companies online.
Affordable San Diego insurance rates with discounts
Insurance is expensive, but there’s a good chance there are discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of quoting, but some discounts are required to be asked about prior to getting the savings.
- Student in College – Youth drivers who attend college more than 100 miles from San Diego and do not have a car could get you a discount.
- Defensive Driver Discount – Passing a course in defensive driver could save 5% or more if you qualify.
- Military Rewards – Being on active deployment in the military could be rewarded with lower rates.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy life insurance.
- Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
- ABS Braking Discount – Vehicles with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
- No Claims – Good drivers with no accidents get the best insurance rates in comparison with accident-prone drivers.
One last thing about discounts, most credits do not apply to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.
To locate companies offering insurance discounts in California, click this link.
Lowering your car insurance rates is a fairly straight forward process. You just have to spend a few minutes to get quotes to see which company has the cheapest Ford Flex rate quotes.
The following companies offer price comparisons in San Diego, CA. If several companies are displayed, we recommend you visit several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| Flex SEL 2WD | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| Flex SEL AWD | $546 | $810 | $578 | $34 | $174 | $2,142 | $179 |
| Flex Limited 2WD | $436 | $744 | $456 | $26 | $136 | $1,798 | $150 |
| Flex Limited AWD | $370 | $698 | $500 | $30 | $150 | $1,748 | $146 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location information which can modify rates substantially.
Deductible analysis
A question often asked by San Diego drivers is which deductibles should you choose. The data tables below help summarize the difference in cost when you choose different comp and collision deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Flex SEL 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Flex SEL AWD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Flex Limited 2WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Flex Limited AWD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Flex SEL 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Flex SEL AWD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Flex Limited 2WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Flex Limited AWD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in your specific San Diego location which can raise or lower prices substantially.
Based on the above data, using a $100 deductible costs roughly $49 more each month or $588 for a full year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 18 months between claim filings, you would probably be better off by selecting a higher deductible. The table below illustrates an example of how you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $155 |
| Average monthly premium for $1,000 deductibles (subtract): | – $106 |
| Monthly savings from raising deductible: | $49 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $49 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important thing to remember is that a higher deductible level results in more money out-of-pocket when you have a comprehensive or collision claim. You should have some extra funds in the event you need to pay the deductible for vehicle repair.
Physical damage deductibles
The chart below demonstrates how deductibles and can raise or lower Ford Flex insurance costs for each different age category. The data is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
You may need specialized insurance coverage
Keep in mind that when it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that.
Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.
- Is my Ford Flex covered for flood damage?
- Is my cargo covered for damage or theft?
- Should I pay a claim out-of-pocket?
- Is rental equipment covered for theft or damage?
- When should I remove my kid from my policy?
- Do I need to file an SR-22 for a DUI in California?
- Are rock chip repairs covered?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Get rate quotes but still have a local neighborhood San Diego car insurance agent
Certain consumers would prefer to get advice from a local agent and that is a personal choice. Good agents are very good at helping people manage risk and help you file claims. One of the best bonuses of getting free rate quotes online is the fact that you can find better rates and still choose a local agent.
To find an agent, once you fill out this short form, your insurance coverage information is emailed to companies in San Diego that give free quotes and help you find cheaper coverage. You don’t have to drive around as quotes are delivered to your email. If you want to compare prices from one company in particular, just visit that company’s website and give them your coverage information.
Picking the best company requires you to look at more than just the quoted price. Here are some questions to ask:
- What are their preferred companies if they are an independent agency?
- Can you get a list of referrals?
- Do they have designations such as AIC, CPCU, or CIC?
- Is the coverage adequate for your vehicle?
- When do they do policy reviews?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Does the agency support the community they serve?
Not all auto insurance agents are the same
If you want to buy auto insurance from a local San Diego insurance agent, you must know there are a couple types of insurance agents that you can choose from. Agencies in San Diego can either be independent or exclusive. Both can sell auto insurance policies, but it’s a good idea to understand the subtle differences because it can influence your agent selection.
Exclusive Agents
Exclusive insurance agents can only quote rates from one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are well trained in insurance sales which helps them sell insurance even at higher premiums. Many people buy from exclusive agents mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agents in San Diego willing to provide price quote information.
- Allstate Insurance: Philip Mullane
3555 Rosecrans St Ste 202 – San Diego, CA 92110 – (619) 223-2191 – View Map - Bill Flanigan – State Farm Insurance Agent
8888 Clairemont Mesa Blvd n – San Diego, CA 92123 – (858) 279-2173 – View Map - Allstate Insurance: PGC Insurance Agency
6919 Paradise Valley Rd, # A9 – San Diego, CA 92139 – (619) 773-2300 – View Map
Independent Agencies or Brokers
Agents in the independent channel are not locked into one company so as a result can place your coverage through lots of different companies and find the cheapest rate. If premiums increase, they simply move your policy to a different company which is easy for the insured.
If you are comparing auto insurance prices, you absolutely need to get insurance quotes from at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with additional companies that you may not be familiar with who may have lower rates.
The following are San Diego independent insurance agents that can give you price quotes.
- Nationwide Insurance: Richard Turner Insurance Agency
3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map - Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map - Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
After talking to the agent and getting positive responses to any questions you may have as well as an affordable premium quote, it’s possible that you found an insurance agent that meets the requirements to properly insure your vehicles. Keep in mind once you purchase a policy you can terminate coverage whenever you want so don’t think that you are permanently stuck with the auto insurance policy for the full term.
One last note
In this article, we covered quite a bit of information on how to shop for Ford Flex insurance online. The key concept to understand is the more times you quote, the higher your chance of finding cheaper San Diego car insurance quotes. You may even discover the lowest prices are with some of the lesser-known companies. Regional companies often have lower rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.
As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.
For more information, link through to the resources below:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has the Cheapest San Diego Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- What Insurance is Cheapest for Uninsured Drivers in San Diego? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Kia Forte in San Diego? (FAQ)
- Who Has Cheap San Diego Auto Insurance for Business Use? (FAQ)
- Senior Drivers (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)