Save on Ford Flex Insurance in Tucson

Discount Ford Flex insuranceIf you want to save the most money, the best way to find lower priced car insurance rates in Tucson is to start doing an annual price comparison from insurance carriers that insure vehicles in Arizona. Rates can be compared by following these guidelines.

  1. Read about how car insurance works and the measures you can take to prevent high rates. Many rating criteria that are responsible for high rates such as careless driving and a negative credit score can be eliminated by paying attention to minor details.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple sources.
  3. Compare the new rate quotes to the price on your current policy to see if cheaper Flex coverage is available in Tucson. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One thing to point out is to try to compare the same level of coverage on every quote and and to look at as many car insurance companies as possible. This guarantees a level playing field and a thorough price selection.

Smart shoppers know that insurance companies want to keep your business as long as possible. Consumers who shop around annually are likely to move their business because there is a good probability of finding lower prices. Remarkably, a study showed that people who routinely shopped around saved as much as $860 a year compared to people who never shopped around for cheaper prices.

If finding the lowest price on Ford Flex insurance in Tucson is the reason you’re here, knowing the best ways to find and compare insurance rates can make it easier to find better rates.

If you have coverage now or just want cheaper coverage, use these cost-cutting techniques to find better prices and still have adequate protection. We hope to teach you the best ways to compare prices and some tricks to saving. Drivers just need to know the quickest way to compare different rates over the internet.

Best Ford Flex insurance prices in Arizona

The providers in the list below have been selected to offer price quotes in Tucson, AZ. If you wish to find the cheapest car insurance in Arizona, we suggest you get prices from several of them to get the cheapest price.

Insurance statistics for a Ford Flex

The rate information displayed below highlights estimates of insurance prices for Ford Flex models. Learning as much as possible about how policy premiums are calculated is important to be able to make decisions when shopping around.

Ford Flex Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $162 $246 $300 $18 $90 $816 $68
Flex SEL 2WD $162 $290 $300 $18 $90 $860 $72
Flex SEL AWD $180 $290 $300 $18 $90 $878 $73
Flex Limited 2WD $180 $290 $300 $18 $90 $878 $73
Flex Limited AWD $180 $290 $300 $18 $90 $878 $73
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in specific location which can impact auto insurance rates significantly.

Higher deductibles save money

When shopping for insurance, a common question is at what level do you set your deductibles. The figures shown below can help you understand the differences in price of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Ford Flex insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $292 $466 $300 $18 $90 $1,191 $99
Flex SEL 2WD $292 $548 $300 $18 $90 $1,273 $106
Flex SEL AWD $324 $548 $300 $18 $90 $1,305 $109
Flex Limited 2WD $324 $548 $300 $18 $90 $1,305 $109
Flex Limited AWD $324 $548 $300 $18 $90 $1,305 $109
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Ford Flex insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $162 $246 $300 $18 $90 $816 $68
Flex SEL 2WD $162 $290 $300 $18 $90 $860 $72
Flex SEL AWD $180 $290 $300 $18 $90 $878 $73
Flex Limited 2WD $180 $290 $300 $18 $90 $878 $73
Flex Limited AWD $180 $290 $300 $18 $90 $878 $73
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Table data does not factor in garaging location in Tucson which can revise premiums greatly.

Based on these figures, using a $100 deductible could cost the average driver approximately $34 more each month or $408 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 26 months between claims, you would probably come out ahead by going with a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $106
Average monthly premium for $1,000 deductibles (subtract): – $72
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One thing to note is that raising deductibles means you will have to pay more when you have a comprehensive or collision claim. You need to have enough money put aside in order to pay the deductible.

The chart below shows how choosing a deductible and can increase or decrease Ford Flex insurance costs for different age groups of insureds. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Full coverage rates vs. liability-only

The information below shows the comparison of Ford Flex car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.

Should you be buying full coverage?

There is no clear-cut rule of when to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Ford Flex replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are paying more than $200 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

Get Lower-cost Insurance Rates by Understanding These Factors

Many different elements are considered when premium rates are determined. Some are pretty understandable such as your driving record, but other criteria are less apparent like your continuous coverage or your financial responsibility. An important part of buying insurance is that you know a few of the rating criteria that aid in calculating your premiums. If you understand what controls the rates you pay, this empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The itemized list below are some of the items used by insurance companies to determine your premiums.

Cheaper rates with these money saving discounts

Car insurance companies don’t always advertise the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of both well-publicized as well as some of the hidden credits that you can use to lower your rates. If you don’t get every credit you qualify for, it’s possible you qualify for a lower rate.Discount insurance

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will definitely lower your policy premium.

The information below illustrates the comparison of Ford Flex insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-car, homeowner, and multi-policy discounts applied.

To locate insurance companies that can offer you the previously mentioned discounts in Tucson, click here.

You may want advice from an agent

Many people still prefer to talk to a local agent and there is nothing wrong with that. Professional insurance agents can make sure you are properly covered and help file insurance claims. An additional benefit of price shopping on the web is the fact that drivers can get the lowest rates and still have an agent to talk to.

Tucson insurance agentsAfter filling out this quick form, the coverage information is submitted to insurance agents in Tucson who want to provide quotes for your car insurance coverage. It’s much easier because you don’t need to do any legwork as quotes are delivered directly to your email. If you have a need to compare prices from one company in particular, feel free to visit that company’s website and give them your coverage information.

Finding a good insurer is decision based upon more than just a cheap quote. A good agent in Tucson will have answers to these questions.

Car insurance company ratings

Choosing the highest-rated car insurance company is hard considering how many companies there are in Arizona. The rank data in the next section could help you decide which car insurance companies to look at comparing rate quotes with.

Top 10 Tucson Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Will just any policy work for me?

When quoting and choosing coverage, there really is no cookie cutter policy. Your situation is unique.Safe vehicles cost less to insure

For instance, these questions might point out whether or not you will benefit from professional help.

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Shop around and save

You just learned some good ideas how to shop for Ford Flex insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Consumers leave their current company for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, unfair underwriting practices and even questionable increases in premium. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

When searching for inexpensive Tucson car insurance quotes, you should never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big mistake. Your objective should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

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