Ford Flex Insurance Rates in Jacksonville

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Insurance rates Ford Flex in JacksonvilleThe best way we recommend to get cheaper Ford Flex insurance is to start comparing prices yearly from providers in Jacksonville. Rate comparisons can be done by completing these steps.

  • First, try to learn about policy coverages and the measures you can control to keep rates low. Many rating factors that cause high rates such as traffic citations, accidents, and an imperfect credit history can be rectified by paying attention to minor details.
  • Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Allstate, while independent agencies can quote prices for a wide range of companies. View a list of agents
  • Third, compare the price quotes to the premium of your current policy to see if cheaper Flex coverage is available in Jacksonville. If you find a better price, make sure there is no coverage gap between policies.
  • Fourth, provide proper notification to your current company of your intention to cancel your current coverage. Submit the completed application along with a down payment to your new agent or company. Make sure you place the new proof of insurance certificate in an easily accessible location.

The key thing to know about shopping around is to make sure you enter the same liability limits and deductibles on every price quote and and to get quotes from all possible companies. This provides a level playing field and many rates to choose from.

Smart shoppers know that insurance companies want to prevent you from shopping around. People who get comparison quotes at least once a year will most likely move their business because they stand a good chance of finding more affordable rates. A recent survey discovered that people who routinely compared quotes saved as much as $3,450 over four years compared to other drivers who never shopped for cheaper rates.

If saving money on car insurance is your objective, understanding the best ways to find and compare auto insurance can make it easier to find better rates.

The Ford Flex Insurance Cost Equation

Lots of things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are more transparent such as your credit history and annual miles driven. An important part of buying insurance is that you know the different types of things that help calculate your car insurance rates. If you understand what influences your rates, this allows you to make good choices that will entitle you to cheaper rates.

The following are some of the things used by your company to calculate premiums.

Obey driving laws and save - Drivers who don't get tickets have lower premiums compared to drivers with tickets. Having a single ticket can boost insurance rates forty percent or more. Drivers unfortunate enough to have dangerous tickets like reckless driving or DUI may find they need to complete a SR-22 with the DMV in their state in order to legally drive.

The illustration below shows how speeding tickets and accident claims impact Ford Flex insurance costs for different age groups. The prices are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.

Liability insurance preserves assets - Your policy's liability coverage will protect you in the event that you are determined to be liable for physical damage or personal injury to other. Liability provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Less chance of injury means lower rates - Vehicles with high crash test scores cost less to insure. Highly rated vehicles result in less severe injuries and better occupant protection means your insurance company pays less which can mean better rates for you. If your Ford has ratings of a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you may pay a lower rate.

Gender and auto insurance costs - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes have accidents in similar percentages, but the male of the species get into accidents with more damage. Men also tend to receive more costly citations like DUI and reckless driving.

The chart below visualizes the comparison of Ford Flex yearly insurance costs for male and female drivers. Data assumes no claims, a clean driving record, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

Getting married can save on car insurance - Walking down the aisle helps lower the price on your policy. Having a spouse may mean you are more stable financially and insurance companies like that drivers who are married file infrequent claims.

Car plus home equals more savings - Lots of insurance companies apply discounts to customers that have more than one policy in the form of a multi-policy discount. The discount can be ten percent or more. Even if you're getting this discount you still need to check prices from other companies to ensure the best deal.There is a chance you can save even more than the discount by insuring with multiple companies.

Loss statistics for a Ford Flex - Auto insurance companies take into consideration historical loss data for every vehicle when determining insurance prices. Models that historically have higher loss trends will have higher rates.

The data below shows the historical insurance loss data for Ford Flex vehicles. For each coverage type, the statistical loss for all vehicles as a whole is set at 100. Percentage numbers below 100 suggest a better than average loss history, while percentage numbers above 100 indicate more frequent claims or an increased probability of a larger loss.

Ford Flex Insurance Loss Statistics
Specific Ford 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

The quickest method we recommend to compare insurance rates from multiple companies is to realize car insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is provide details like whether you are married, how old drivers are, level of coverage desired, and whether you have decent credit. The data is automatically sent to multiple top-rated companies and they return cost estimate with very little delay.

To check rates for your Ford Flex now, click here and complete the form.

The car insurance companies shown below offer quotes in Florida. If several companies are displayed, we suggest you compare several of them in order to get a fair rate comparison.

Coverage statistics and figures

The rate information shown below showcases estimates of prices for Ford Flex models. Learning as much as possible about how policy rates are determined is important for you to make smart choices when selecting a coverage provider.

Ford Flex Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $286 $430 $426 $26 $128 $1,296 $108
Flex SEL 2WD $286 $506 $426 $26 $128 $1,372 $114
Flex SEL AWD $320 $506 $426 $26 $128 $1,406 $117
Flex Limited 2WD $320 $506 $426 $26 $128 $1,406 $117
Flex Limited AWD $320 $506 $426 $26 $128 $1,406 $117
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can modify coverage rates greatly.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is the level to set your comp and collision deductibles. The following insurance rates lay out the premium difference when you select higher and lower coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Ford Flex insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $406 $648 $418 $24 $124 $1,645 $137
Flex SEL 2WD $406 $764 $418 $24 $124 $1,761 $147
Flex SEL AWD $452 $764 $418 $24 $124 $1,807 $151
Flex Limited 2WD $452 $764 $418 $24 $124 $1,807 $151
Flex Limited AWD $452 $764 $418 $24 $124 $1,807 $151
Get Your Own Custom Quote Go
Ford Flex insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $296 $438 $418 $24 $124 $1,300 $108
Flex SEL 2WD $296 $516 $418 $24 $124 $1,378 $115
Flex SEL AWD $330 $516 $418 $24 $124 $1,412 $118
Flex Limited 2WD $330 $516 $418 $24 $124 $1,412 $118
Flex Limited AWD $330 $516 $418 $24 $124 $1,412 $118
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in garaging location in Jacksonville which can raise or lower rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $32 more each month or $384 for a full year averaged for all Flex models than quoting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 13 months between claim filings, you would come out ahead going with the higher deductible.

The example below highlights how deductible choice and can affect Ford Flex annual premium costs for different age groups of insureds. The prices are based on a single male driver, comp and collision included, and no policy discounts are applied.

Full coverage versus liability only rates

The information below illustrates the comparison of Ford Flex insurance costs when comparing full coverage to liability only. The premium estimates are based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are factored in.

Deciding between full coverage and liability only

There is no set guideline to stop buying full coverage, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Ford Flex settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after paying the physical damage deductible. If it's costing in excess of $800 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some conditions where buying only liability insurance is not recommended. If you haven't satisfied your loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Car insurance is not optional but you don't have to overpay

Despite the potentially high cost of Ford Flex insurance, paying for car insurance is a good idea for several reasons.

  • Most states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance coverage in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you took out a loan on your Ford, almost every bank will make it mandatory that you have insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender will be forced to insure your Ford at a significantly higher premium and make you pay much more than you were paying before.
  • Insurance safeguards not only your car but also your assets. It will also cover all forms of medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you cause an accident and are sued. If mother nature or an accident damages your car, your policy will pay to repair the damage.

The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. As of last year, the average driver in Florida overpays more than $820 a year so we recommend shopping around at least once a year to ensure rates are inline.

Slash your car insurance rates with discounts

Car insurance is not inexpensive, but you may find discounts that could drop your premiums quite a bit. Some trigger automatically when you get a quote, but once in a while a discount must be manually applied before being credited. If you aren't receiving every discount you deserve, you are throwing money away.Save money with discounts

  • Multiple Cars - Drivers who insure multiple cars on one policy can get a discount for every vehicle.
  • Auto/Home Discount - If you can bundle your auto and homeowners insurance and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.
  • Club Memberships - Being a member of certain professional organizations is a simple method to lower premiums on your next renewal.
  • Cautious Drivers - Safe drivers may receive a discount up to 45% than their less cautious counterparts.
  • Distant Student - Any of your kids who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
  • Senior Citizen Rates - If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a Jacksonville car insurance quote.
  • Drive Less and Save - Driving less may allow you to get lower premium rates due to less chance of an accident.

One thing to note about discounts is that some credits don't apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Even though it appears it's possible to get free car insurance, it just doesn't work that way.

The example below illustrates the difference between Ford Flex car insurance costs with and without discounts applied to the premium. The costs are based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, claim-free, and marriage discounts applied.

If you would like to choose from a list of providers offering car insurance discounts in Jacksonville, click here to view.

Do I need an agent?

Some consumers prefer to get professional advice from a licensed agent and there is nothing wrong with that. Good insurance agents can make sure you are properly covered and help in the event of a claim. One of the benefits of comparing insurance prices online is that drivers can save money and get cheap car insurance rates and still buy from a local agent.

Jacksonville insurance agentsBy using this quick form, your insurance data is transmitted to insurance agents in Jacksonville who will gladly provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies since rate quotes are delivered immediately to your email address. If you need to quote rates from one company in particular, you can always search and find their rate quote page and complete a quote there.

Choosing the best company is decision based upon more than just a low price. Here are some questions you might want to ask.

  • Are they paid to recommend certain coverages?
  • What is the agency's Better Business Bureau rating?
  • What companies can they write with?
  • How much can you save by raising your physical damage deductibles?
  • Are they giving you every discount you deserve?
  • Where are claims handled?
  • How does the company pay claims for a total loss?

Pick the best car insurance agent in Jacksonville for you

When looking for local Jacksonville agents, there are a couple of different agency structures and how they work. Car insurance agencies can be categorized as either independent or exclusive. Either can insure your vehicles properly, but it is important to understand the differences since it may influence your selection of an agent.

Exclusive Car Insurance Agents

These type of agents can only place business with one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are usually well trained on their company's products and that allows them to sell at a higher price point. Drivers often buy insurance from these agents mostly because of the prominence of the brand and solid financial strength.

The following are Jacksonville exclusive agents that can give you comparison quotes.

View more Jacksonville agents

Independent Car Insurance Agents

Agents in the independent channel are appointed with more than one company so they can quote policies with lots of companies and potentially find a lower price. If premiums increase, your agent can switch companies and that require little work on your part.

When comparing car insurance prices, we highly recommend that you include at least one independent agent to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies that may provide cheaper car insurance rates.

Shown below is a list of independent agencies in Jacksonville that are able to give price quotes.

View more Jacksonville agents

How to know if you need help

Always remember that when buying a policy for your vehicles, there really is no one-size-fits-all type of policy. Your financial needs are unique so this has to be addressed.Safe vehicles cost less to insure For instance, these questions may help highlight whether you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • Why are teen drivers so expensive to add on to my policy?
  • When should I not buy collision coverage?
  • Should I waive the damage coverage when renting a car?
  • How much liability do I need to cover my assets?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my vehicle covered by my employer's policy when using it for work?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It's fast, free and may give you better protection.

Cheap insurance premiums are possible

In this article, we presented a lot of information how to reduce Ford Flex insurance prices online in Jacksonville. The key thing to remember is the more providers you compare, the higher your chance of finding low cost Jacksonville car insurance quotes. Consumers may even find the biggest savings come from a company that doesn't do a lot of advertising. They often have lower rates on specific markets compared to the large companies like Progressive and GEICO.

Some insurance providers do not offer the ability to get quotes online and many times these regional carriers provide coverage only through independent agents. Cheap Ford Flex insurance in Jacksonville can be sourced on the web as well as from independent agents in Jacksonville, and you should be comparing both so you have a total pricing picture.

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