Save Money on Ford Flex Insurance in Scottsdale

Unbelievable but true, most drivers kept buying from the same company for four years or more, and nearly 40% of drivers have never even compared quotes to find cheap rates. Scottsdale drivers could save themselves about 50% a year by just comparing quotes, but they just don’t understand how easy it is to compare rates and save money.

The easiest way to quote cheaper Ford Flex insurance is to begin comparing prices regularly from insurers in Scottsdale.

Step 1: Spend some time learning about policy coverages and the modifications you can make to prevent high rates. Many rating factors that drive up the price like careless driving and a bad credit rating can be rectified by making lifestyle changes or driving safer.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while independent agencies can quote rates from multiple companies. View companies

Step 3: Compare the new rate quotes to the premium of your current policy and determine if cheaper Flex coverage is available. If you find a lower rate quote and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide written notification to your current company to cancel your current car insurance policy. Submit a down payment along with a signed application for your new coverage. As soon as you receive it, safely store the certificate verifying proof of insurance in your vehicle’s glove compartment or console.

A tip to remember is to use the same amount of coverage on every quote request and and to get rates from as many different insurance providers as possible. This enables the most accurate price comparison and a complete rate analysis.

When comparing auto insurance rates, know that getting more free quotes will increase your chances of finding the best offered rates.

The providers in the list below are our best choices to provide comparison quotes in Scottsdale, AZ. In order to find cheap car insurance in Scottsdale, AZ, we recommend you visit as many as you can to get a more complete price comparison.

Get cheaper rates with discounts

Car insurance is not an enjoyable expense, but there are discounts available to help offset the cost. Certain credits will be shown when you purchase, but some discounts are required to be asked about before they will apply.

• Memberships – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings on your next car insurance statement.
• Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save a little on the medical payments or PIP coverage costs.
• Save with a New Car – Adding a new car to your policy may earn a small discount because newer vehicles are generally safer.
• College Student – Kids who are attending college and do not take a car to college may be able to be covered for less.
• Scottsdale Homeowners Pay Less – Simply owning a home can earn you a little savings because maintaining a house is proof of financial responsibility.

One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky.

The chart below compares Ford Flex insurance costs with and without discounts applied to the policy premium. The rates are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, claim-free, and marriage discounts applied.

To view companies that offer the discounts shown above in Arizona, click here.

Coverage statistics and figures

The data table shown below covers a range of insurance coverage prices for Ford Flex models. Being able to understand how car insurance premiums are established can help you make decisions when shopping your coverage around.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in zip code location which can change premium rates significantly.

Physical damage deductible comparison

One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The rates below can help you understand the rate fluctuation between high and low coverage deductibles. The first pricing table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific location information which can revise premiums substantially.

Based on the above data, using a $100 deductible will cost you roughly $23 more each month or $276 a year averaged for all Flex models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 17 months between claim filings, you would come out ahead if you choose a higher deductible.

Comparison of insurance rates by age and gender

The example below shows the comparison of Ford Flex annual premium costs for male and female drivers. The information is based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Ford Flex Insurance Cost Factors

Many different elements are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving record, but others are not quite as obvious such as whether you are married or your vehicle rating. Part of the auto insurance buying process is learning some of the factors that are used to determine your policy premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that can earn you lower premium levels.

Listed below are just a few of the factors used by insurance companies to determine your rates.

Insurance premiums are higher for high performance vehicles – The performance of the car you own makes a big difference in your car insurance bill. Lower performance four cylinder passenger cars usually are quite affordable to insure, but many other things help determine your insurance rates.

The next chart assumes a married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Ford Flex policy rates compared to other vehicles that have different performance risks.

Traffic violations cost more than a fine – A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket or other violation may increase your cost forty percent or more. Drivers with clean records receive lower rates as compared to those with violations. Drivers who have dangerous violations such as reckless driving or DUI might be required by their state to prove financial responsibility to the state department of motor vehicles in order to keep their license.

The example below demonstrates how traffic citations and accidents can increase Ford Flex premium costs for each different age category. The costs are based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Where do you drive? – The more you drive your Ford in a year the more it will cost to insure it. The majority of insurers apply a rate based on their usage. Vehicles that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. Make sure your declarations sheet is showing the correct usage. Incorrect rating for your Flex may be costing you.

Liability coverage limits on your policy – Your policy’s liability coverage is the coverage that protects you in the event that you are determined to be liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Deter theft and lower auto insurance rates – Purchasing a vehicle with a theft deterrent system can save you some money. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.

Insurance loss data for Ford Flex vehicles – Insurance companies use data from past claims when setting premium rates. Vehicles that have higher prevalence or dollar amount of losses will have a higher cost to insure. The next table illustrates the insurance loss data for Ford Flex vehicles.

For each policy coverage, the statistical loss for all vehicles, as an average, is a value of 100. Numbers that are below 100 indicate a favorable loss history, while percentages above 100 indicate frequent claims or statistically larger claims.

Independent and exclusive insurance agencies

Some consumers still prefer to get professional advice from a licensed agent and that is a smart decision One of the best bonuses of getting online price quotes is that drivers can save money and get lower rates and still have an agent to talk to. And supporting local insurance agencies is still important in Scottsdale.

To make it easy to find an agent, after completing this short form, the quote information is emailed to insurance agents in Scottsdale who will gladly provide quotes to get your business. You won’t need to contact any agents as quotes are delivered to the email address you provide. You can find lower rates and work with a local agent. If you wish to get a rate quote from a specific insurance company, you can always go to their quote page to submit a rate quote request.

Finding a good company should depend on more than just the premium amount. Here are some questions to ask:

• What is their Better Business Bureau rating?
• Did they already check your driving record and credit reports?
• If your car is totaled, how to they determine the replacement cost?
• Is their price quote a firm figure or are their hidden costs?
• Is the agent CPCU or CIC certified?

Quote more to save more

We just covered many ideas to save on Ford Flex insurance in Scottsdale. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest prices are with some of the smallest insurance companies.

Insureds who switch companies do it for many reasons like policy cancellation, unfair underwriting practices, denial of a claim or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is easier than you think.

Low-cost Ford Flex insurance in Scottsdale can be purchased from both online companies and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide rates over the internet and many times these smaller providers sell through independent agents.

More resources

• Distracted Driving Extends Beyond Texting (State Farm)
• Who Has the Cheapest Scottsdale Car Insurance Quotes for a Toyota Highlander? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Subaru Forester in Scottsdale? (FAQ)
• Who Has the Cheapest Scottsdale Auto Insurance with Multiple Speeding Tickets? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• How to Avoid Staged Accidents (State Farm)