Cheap Rate Quotes for Ford Flex Insurance in Indianapolis

It takes a little time, but the best way to find low-cost prices for Ford Flex insurance is to compare quotes once a year from providers in Indianapolis. You can compare rates by following these steps.

• Step 1: Spend some time learning about how companies price auto insurance and the things you can change to keep rates low. Many things that are responsible for high rates like multiple speeding tickets and a not-so-good credit score can be improved by making minor changes in your lifestyle.
• Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple sources.
• Step 3: Compare the new rate quotes to your existing policy to determine if you can save on Flex insurance. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Provide adequate notice to your current company of your intention to cancel your current coverage and submit any necessary down payment along with the completed application to the new company. When you receive it, put the new certificate of insurance in your glove compartment.

One tip to remember is to use the same deductibles and limits on every quote and and to get quotes from as many companies as feasibly possible. Doing this provides a fair rate comparison and and a good selection of different prices.

Astonishing but true, most consumers renewed their policy with the same company for at least the last four years, and 38% of drivers have never shopped around. With the average auto insurance premium being $1,400, Indianapolis drivers could save themselves about $697 a year just by shopping around, but they don’t understand how simple it is to find cheaper auto insurance rates.

If you currently have insurance, you will most likely be able to save money using the following tips. Finding the cheapest insurance coverage in Indianapolis is actually not that difficult if you follow our advice. Nevertheless, Indiana consumers must learn the methods companies use to sell insurance online and use this information to your advantage.

To get the cheapest Ford Flex rate quotes, there a variety of ways to compare quotes from local Indianapolis car insurance companies. The fastest way to find cheaper Ford Flex rates is to jump online and get quotes.

Online shopping is fast and free, and it makes it a waste of time to physically go to insurance agents’ offices. The ability to quote Ford Flex insurance online has reduced the need for local agents unless you have a complicated situation and need the peace of mind of a local Indianapolis agent. It is possible with some companies comparison shop online and get advice from an agent in your area. When quoting car insurance, remember that having more price comparisons will enable you to find better pricing.

The car insurance companies shown below can provide quotes in Indianapolis, IN. If multiple providers are shown, we recommend you compare several of them to find the most affordable car insurance rates.

Statistics and details

The rate table shown below outlines detailed analysis of prices for Ford Flex models. Having a good grasp of how policy rates are calculated can assist in making smart choices when comparing insurance quotes.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in your specific Indianapolis location which can impact premium rates substantially.

Rate comparison for different deductibles

When shopping for car insurance, a common question is which deductibles should you choose. The rates below may help to illustrate how much more rates are between low and high physical damage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in garaging location in Indianapolis which can impact auto insurance rates substantially.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $13 more each month or $156 each year across all Ford Flex models than opting for the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 19 months between claim filings, you would probably be better off if you decide on a higher deductible.

Age-based car insurance rates by gender

The information below visualizes the comparison of Ford Flex insurance premiums for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Cost comparison with and without full coverage

The illustration below shows the difference between Ford Flex insurance costs with full physical damage coverage and with liability coverage only. The rates are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no exact formula for excluding full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Ford Flex book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some situations where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Do you qualify for discounts on Ford Flex insurance in Indianapolis?

Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available that could help you make your next renewal payment. Some of these discounts will be visible at the time you complete a quote, but some must be requested specifically in order for you to get them.

• Payment Discounts – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
• Seat Belts Save – Requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
• Savings for New Vehicles – Buying a new car model may earn a small discount because new model year vehicles keep occupants safer.
• Discount for Life Insurance – Larger companies have a small discount if you purchase a life insurance policy as well.
• Braking Control Discount – Vehicles equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.
• Distant College Student Discount – Children who are attending college and leave their car at home could get you a discount.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.

The example below illustrates the difference between Ford Flex car insurance rates with and without discounts applied to the policy premium. Data assumes a male driver, no claims or violations, Indiana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.

A few of the larger companies and the discounts they provide can be found below.

• State Farm discounts include passive restraint, defensive driving training, driver’s education, anti-theft, safe vehicle, and accident-free.
• GEICO offers premium reductions for multi-vehicle, emergency military deployment, federal employee, defensive driver, air bags, and anti-lock brakes.
• Progressive policyholders can earn discounts including continuous coverage, online signing, online quote discount, good student, multi-vehicle, and multi-policy.
• 21st Century has discounts for anti-lock brakes, student driver, air bags, homeowners, and automatic seat belts.
• American Family may have discounts that include air bags, multi-vehicle, TimeAway discount, Steer into Savings, mySafetyValet, and good driver.
• The Hartford includes discounts for bundle, anti-theft, air bag, good student, driver training, vehicle fuel type, and defensive driver.
• AAA has savings for good student, education and occupation, multi-policy, good driver, anti-theft, and AAA membership discount.

If you want cheaper Indianapolis car insurance quotes, ask every company which discounts you qualify for. All car insurance discounts might not apply in Indianapolis. If you would like to view insurers who offer free Ford Flex insurance quotes in Indianapolis, click here to view.

Insurance protects more than just your car

Despite the high insurance cost for a Ford Flex in Indianapolis, paying for insurance may be required and benefits you in several ways.

• Almost all states have minimum liability requirements which means you are required to carry a specific minimum amount of liability coverage in order to be legal. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Ford Flex with a loan, it’s most likely the lender will stipulate that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender will be forced to insure your Ford at an extremely high rate and require you to reimburse them much more than you were paying before.
• Insurance preserves your Ford Flex and your assets. It also can pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $855 a year so shop around every year to help ensure money is not being wasted.

You may need advice from a local insurance agent

Some consumers would prefer to go talk to an agent. A nice benefit of comparing rates online is the fact that you can find cheap auto insurance rates but also keep your business local. And supporting local insurance agents is definitely important in Indianapolis.

Once you complete this quick form, the coverage information is sent to participating agents in Indianapolis who will return price quotes for your insurance coverage. There is no reason to visit any agencies since rate quotes are delivered directly to your email. You can get cheaper auto insurance rates without requiring a lot of work. In the event you want to get a rate quote from one company in particular, you just need to find their quoting web page and submit a quote form there.

If you need to find a good Indianapolis insurance agent, you must know there are a couple types of insurance agents and how they can quote your rates. Auto insurance agencies are either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Independent agents do not have single company limitations so they can write business through lots of different companies and get you the best rates possible. If you want to switch companies, your agent can switch companies and you won’t have to switch agencies.

When comparing auto insurance prices, you need to compare prices from several independent agencies for maximum quote selection.

Featured below is a partial list of independent agents in Indianapolis that may be able to give rate quotes.

More Indianapolis agents

Exclusive Auto Insurance Agents

Agents of this type generally can only insure with one company like State Farm, Allstate, or Farmers Insurance. They usually cannot compare other company’s rates so keep that in mind. They are highly trained on the products they sell which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive agencies in Indianapolis that are able to give rate quotes.

More Indianapolis agents

Choosing an insurance agency should include more criteria than just the quoted price. The following questions are important to ask.

• Is the agent properly licensed in Indiana?
• How long have they worked with personal auto insurance coverage?
• Do they see any coverage gaps in your plan?
• If you are a high risk driver, do they have special markets for your coverage?
• Is auto insurance their primary focus in Indianapolis?

Coverage specifics

Understanding the coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average car insurance policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, dental work and doctor visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hail damage, hitting a deer and theft. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Flex.

Due to the fact that many Indiana drivers carry very low liability coverage limits (25/50/10 in Indiana), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/10 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like medical services, structural damage, repair bills for other people’s vehicles, loss of income and medical expenses. How much coverage you buy is up to you, but buy as large an amount as possible. Indiana state minimum liability requirements are 25/50/10 but you should consider buying better liability coverage.

The illustration below demonstrates why buying the state minimum limits may not be adequate coverage.

Collision coverage – This will pay to fix damage to your Flex resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible on your Flex to get cheaper collision coverage.