Save Money on Ford Flex Insurance in Dallas

The best way we recommend to find lower priced Ford Flex insurance in Dallas is to compare quotes annually from companies who sell auto insurance in Texas.

• Step 1: Learn about how companies set rates and the modifications you can make to drop your rates. Many factors that result in higher prices such as accidents, careless driving, and a negative credit history can be controlled by making minor changes to your lifestyle. Keep reading for more ideas to help prevent costly coverage and get discounts that may be available to you.
• Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of insurance providers. Click to view companies
• Step 3: Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find a better price and make a switch, verify that coverage does not lapse between policies.
• Step 4: Notify your agent or company to cancel your current car insurance policy. Submit payment and a completed application to the new company. As soon as you receive it, keep your new certificate of insurance above your visor, in the console, or in the glove compartment.

A good tip to remember is to try to compare identical coverages on each price quote and and to compare as many carriers as you can. Doing this provides a level playing field and a complete price analysis.

It’s safe to assume that car insurance companies don’t want you to compare rates. Consumers who rate shop once a year will probably buy a new policy because the odds are good of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that drivers who compared rates annually saved over $3,500 over four years as compared to drivers who never compared prices.

If finding discount rates on Ford Flex insurance in Dallas is why you’re reading this, then learning about how to find companies and compare coverages can make the process less intimidating.

Locating the most cost-effective auto insurance policy in Dallas is not that difficult as long as you know where to start. If you have auto insurance now, you stand a good chance to be able to reduce premiums using the ideas covered in this article. Although Texas drivers do need to learn how big insurance companies charge you for coverage because it can help you find the best coverage.

Quote Dallas Ford Flex insurance online

All major insurance companies give pricing on the web. Obtaining pricing for Ford Flex insurance in Dallas is quite simple because it’s just a matter of typing in your coverage preferences on the page. Once entered, their system sends out for reports for credit and driving violations and generates a price based on the information you submitted. This simplifies rate comparisons, and it’s very important to get many rate quotes in order to get a lower rate.

To fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend that you enter the coverages just like they are on your policy. This way, you are getting comparison quotes based on similar coverages.

The following companies have been selected to offer price quotes in Texas. If multiple companies are listed, we recommend you get prices from several of them in order to get a fair rate comparison.

Get cheaper rates with discounts

Not too many consumers would say insurance is affordable, but you might be missing out on some discounts to help offset the cost. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply.

• No Charge for an Accident – This one isn’t a discount, but certain companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
• Professional Memberships – Participating in a civic or occupational organization in Dallas could earn you a nice discount on insurance.
• Telematics Devices – Dallas drivers who agree to allow data collection to study their driving habits by installing a telematics device like Allstate’s Drivewise might see lower rates as long as they are good drivers.
• Discount for Swiching Early – Select larger companies give a discount for signing up early. This can save 10% or more.
• Discount for Passive Restraints – Factory air bags or motorized seat belts can receive discounts of 20 to 30 percent.
• Drive Safe and Save – Accident-free drivers may receive a discount up to 45% than less cautious drivers.

Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

The illustration below visualizes the comparison of Ford Flex insurance costs with and without some available policy discounts. The premiums are based on a female driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, marriage, and safe-driver discounts applied.

Some of the insurance companies who may offer these benefits include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

Before you buy a policy, ask every insurance company how many discounts you can get. Savings may not apply in your state. To find insurers with discount rates in Dallas, click here to view.

Insurance coverage details

The coverage information displayed next outlines a range of insurance rates for Ford Flex models. Being more informed about how prices are determined is important for you to make smart buying decisions.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific Dallas garaging location which can raise or lower prices noticeably.

Policy deductibles

When buying insurance, a common question is how high should your deductibles be. The figures shown below can help you visualize the premium difference between high and low physical damage deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices substantially.

Based on these figures, using a $100 deductible will cost you roughly $44 more each month or $528 every year than requesting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 20 months between claims, you would most likely save money if you choose a higher deductible.

How do Car Insurance Companies Determine Ford Flex Insurance Premiums?

An important part of buying insurance is that you know the different types of things that help calculate your premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that may reward you with lower insurance prices.

• Discounts for alarms and GPS tracking – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft.
• Your location is important – Having an address in less populated areas of the country has it’s advantages when talking about insurance. People in densely populated areas regularly have more road rage incidents and more severe claims. Fewer drivers means less chance of accidents and lower theft and vandalism rates.
• Minor frequent insurance claims are not good – If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Insurance companies in Texas give better rates to drivers who are claim-free. Your car insurance is designed for the large, substantial claims.
• Avoid coverage lapses – Driving without insurance coverage in place is against the law and you will pay a penalty because you let your insurance coverage expire. Not only will you pay higher rates, getting caught without coverage may earn you a revoked license or a big fine.

• Do women or men drive better? – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that men are worse drivers. Men and women are in auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also have more aggressive citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore have the most expensive insurance rates.

  The chart below compares Ford Flex auto insurance rates for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no additional discounts are factored in.

• Ford Flex insurance loss statistics – Insurance companies take into consideration insurance loss statistics for every vehicle to determine a price that will be profitable for them. Models that the data determines to have a higher amount or frequency of claims will have a higher premium rate.

  The next table shows the actual insurance loss data for Ford Flex vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make or model, is considered to be 100. Percentage values below 100 suggest a positive loss record, while numbers that are greater than 100 point to more losses or a tendency for claims to be larger.

  
  

  Auto Insurance Loss Data for Ford Flex Models

  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

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

You may need help from an agent

A lot of people still prefer to get advice from a local agent and doing that can be a smart decision One of the benefits of price shopping on the web is the fact that drivers can get cheaper car insurance rates but also keep your business local.

To find an agent, once you fill out this short form, the quote information gets sent to participating agents in Dallas who will give you quotes to get your business. You don’t have to contact any agents because quoted prices will be sent directly to you. Get lower rates and work with a local agent. If you want to quote rates from a specific insurance company, you can always jump over to their website and give them your coverage information.

Selecting an company is decision based upon more than just the bottom line cost. The following questions are important to ask.

• Do they reduce claim amounts on high mileage vehicles?
• Can they provide you with a list of referrals?
• Does the company use OEM repair parts?
• Is the agency active in community causes in Dallas?
• Do they offer accident forgiveness?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do you need full coverage on every vehicle?
• Do they carry Errors and Omissions coverage?

When finding a reputable agency, there are a couple of types of agencies that you can choose from. Agents in Dallas are either exclusive or independent agents depending on their company appointments.

Exclusive Auto Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare other company’s rates so you need to shop around if the rates are high. These agents are highly trained on their products and sales techniques which helps overcome the inability to quote other rates.

Listed below are exclusive insurance agents in Dallas who may provide you with price quote information.

More Dallas agents

Independent Agents

Independent insurance agents often have many company appointments so they have the ability to put coverage through many companies and find you the best rates. If you are not satisfied with one company, they can switch companies in-house and you don’t have to find a new agent. If you are trying to find cheaper rates, it’s recommended you include price quotes from several independent agencies to maximize your price options.

The following is a short list of independent agents in Dallas willing to provide comparison quotes.

More Dallas agents

Persistence is the key to affordable rates

You just read many ideas to find affordable Ford Flex insurance in Dallas. The key concept to understand is the more you quote Dallas auto insurance, the better chance you’ll have of finding affordable Ford Flex insurance quotes. Consumers could even find that the lowest priced auto insurance comes from a small local company. These companies may have significantly lower car insurance rates on certain market segments than their larger competitors like GEICO and State Farm.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the best price, but do not skimp to save money.

To learn more, feel free to visit the following helpful articles:

• Teen Driving Statistics (iihs.org)
• How Much is Dallas Car Insurance for Drivers Over Age 50? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Learners Permit in Dallas? (FAQ)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Avoiding Deer Collisions (Insurance Information Institute)
• Determining Auto Insurance Rates (GEICO)