Ford Flex Insurance Quotes in San Diego

Discount Ford Flex insuranceAre 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.Discount insurance

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.

Ford Flex Insurance Rates in San Diego, CA
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.

Ford Flex insurance policy rates with $100 deductibles
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

Ford Flex insurance policy rates with $1,000 deductibles
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.Higher deductibles save money
Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

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.

San Diego insurance agentsTo 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:

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.

View more agents

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.

View more agents

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: