Are you at wits end from paying out the nose to buy car insurance? You are in the same boat as many other consumers. Big-name insurance companies like Progressive, GEICO and Farmers Insurance all claim big savings with TV and radio ads and it is difficult to ignore the flashy ads and find the best price available.
Get lower rates by applying discounts
Not many people think insurance is cheap, but you may be missing some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be manually applied before you get the savings.
- Telematics Devices – Drivers who elect to allow driving data collection to spy on driving patterns by using a telematics device such as State Farm’s In-Drive may get a rate reduction if they show good driving skills.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
- Discount for Life Insurance – Larger companies have a break if you buy life insurance.
- College Student – Any of your kids who live away from home at college without a vehicle on campus may be insured at a cheaper rate.
- Early Renewal Discounts – Some car insurance companies give discounts for buying a policy before your current coverage expires. You may see this discount when you get .
- Bundle and Save – When you have multiple policies and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
- Good Grades Discount – Maintaining excellent grades may save as much as 25% on a . This discount can apply until age 25.
- Homeowners Savings – Owning a home can save you money because owning a home requires a higher level of personal finance.
- Mature Driver Discount – Mature drivers can possibly qualify for a small decrease in premiums for Flex insurance.
- Discount for Low Mileage – Driving fewer miles could earn substantially lower car insurancerates.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way. But all discounts will definitely reduce your policy premiums.
The best car insurance companies and their possible discounts are shown below.
- Mercury Insurance may include discounts for location of vehicle, anti-theft, good driver, type of vehicle, professional/association, and annual mileage.
- Farmers Insurance includes discounts for teen driver, mature driver, multi-car, alternative fuel, and bundle discounts.
- Farm Bureau offers discounts including good student, safe driver, multi-vehicle, 55 and retired, driver training, and renewal discount.
- State Farm offers discounts for passive restraint, anti-theft, safe vehicle, accident-free, good student, and multiple autos.
- Allstate has savings for passive restraint, premier plus, senior citizen, auto/life discount, safe driver, good payer, and 55 and retired.
- GEICO may have discounts that include driver training, multi-vehicle, air bags, federal employee, and anti-theft.
It’s a good idea to ask each company or agent how many discounts you can get. Some credits may not be available in every state.
All major car insurance companies provide coverage prices from their websites. Getting online rates doesn’t take a lot of time as you just type in the amount of coverage you want into the quote form. When the form is submitted, the system orders your credit score and driving record and provides a quote based on these and other factors. Online quotes makes it simple to compare prices but having to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it’s also necessary to compare as many rates as possible in order to find a lower rate.
There is a better way!
A more efficient way to locate the lowest prices utilizes a single form that gets price quotes from a lot of companies. It saves time, reduces the work, and makes rate comparisons a little more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any one of the price quotes you receive.
If you find a better price you can click and sign and buy the new coverage. The whole process takes just a few minutes to complete and can result in significant savings.
In order to compare rates using this form now, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you enter the limits and deductibles exactly as shown on your declarations page. This way, you will receive rate comparison quotes for the exact same coverage.
Your car insurance coverage should be tailored to you
When buying coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation may require specific advice.
- Is my cargo covered for damage or theft?
- Does my personal policy cover me when driving my company car?
- Am I covered when using my vehicle for business?
- Does my Ford Flex need full coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Do I need higher deductibles?
- Is my business laptop covered if it gets stolen from my vehicle?
- Am I covered by my spouse’s policy after a separation?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
Cheaper coverage is out there
We just covered some good ideas how to shop for Ford Flex insurance online. The key thing to remember is the more times you quote, the better likelihood of getting . You may even find the lowest prices come from a small local company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. The goal is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.
Cheaper car insurance is possible online in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance companies may not have online price quotes and usually these smaller providers only sell through independent agents.
