Statistics show that over 70% of drivers kept their coverage with the same car insurance company for at least four years, and 38% of customers have never compared car insurance rates at all. Many drivers in Florida could save roughly 55% a year, but they feel it’s too difficult to compare rate quotes online.
The easiest way to get the cheapest Ford Flex insurance in Orlando is to start doing an annual price comparison from insurers that insure vehicles in Florida. Price quotes can be compared by following these guidelines.
First, get a basic knowledge of how car insurance works and the measures you can control to prevent expensive coverage. Many things that result in higher rates like at-fault accidents, careless driving, and a not-so-good credit history can be rectified by making lifestyle changes or driving safer.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple sources.
Third, compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide notification to your current agent or company of your intent to cancel your current auto insurance policy. Submit a down payment along with a signed application to your new carrier. Immediately safely store the certificate of insurance in your vehicle’s glove compartment or console.
One thing to remember is to make sure you enter the same deductibles and limits on each price quote and and to get price estimates from as many carriers as you can. Doing this ensures an apples-to-apples comparison and the best price selection.
If you have coverage now or want to find a cheaper company, follow these tips to reduce premiums without reducing protection. Pricing the most affordable auto insurance coverage in Orlando is easy if you know what you’re doing. Comparison shoppers just need to know the quickest way to compare different rates from many companies at once.
Cheap Orlando Ford Flex insurance
Most larger insurance companies allow you to get prices direct online. Getting online quotes for Ford Flex insurance in Orlando is fairly straightforward as you just type in your coverage information into a form. When complete, their rating system pulls credit information and your driving record and generates pricing information based on these factors.
Being able to quote online for Ford Flex insurance in Orlando helps simplify price comparisons, and it is imperative to perform this step in order to get the most affordable possible premiums on auto insurance.
To quickly compare rates now, take a look at the companies shown below. If you have your current policy handy, we recommend you duplicate the insurance coverages as close as possible to your current policy. This ensures you are getting a fair comparison using the same coverage and limits.
The auto insurance companies shown below are our best choices to provide comparison quotes in Florida. If you wish to find cheap auto insurance in Orlando, it’s a good idea that you click on several of them to get the best price comparison.
Car insurance policy discounts you can’t miss
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically when you quote, but lesser-known reductions have to be specially asked for in order for you to get them.
- Data Collection Discounts – Insureds that choose to allow companies to look at where and when they drive remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.
- Braking Control Discount – Vehicles equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
- Waiver for an Accident – This isn’t a discount exactly, but certain companies will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
- Student Driver Training – Require your teen driver to successfully take a driver’s education course as it will make them better drivers and lower rates.
- Multiple Vehicles – Purchasing coverage when you have more than one vehicle on the same car insurance policy can reduce rates for all insured vehicles.
- Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted car insurance rates on garaged vehicles.
- Active Military Service – Being deployed with a military unit may lower your premium rates slightly.
Drivers should understand that some credits don’t apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, you aren’t that lucky.
The example below illustrates the difference between Ford Flex insurance prices with and without discounts applied to the rates. Data assumes a male driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, claim-free, and homeowner discounts applied.
If you would like to choose from a list of car insurance companies that offer some of these discounts in Orlando, click here to view.
Insurance rate breakdown
The data table below covers estimates of rate quotes for Ford Flex models. Having insight into how insurance quotes are formulated can assist in making smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Flex SE 2WD||$270||$402||$430||$26||$128||$1,256||$105|
|Flex SEL 2WD||$270||$474||$430||$26||$128||$1,328||$111|
|Flex SEL AWD||$300||$474||$430||$26||$128||$1,358||$113|
|Flex Limited 2WD||$300||$474||$430||$26||$128||$1,358||$113|
|Flex Limited AWD||$300||$474||$430||$26||$128||$1,358||$113|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in garaging location in Orlando which can impact insurance rates considerably.
Tickets and at-fault accidents raise rates
The example below shows how traffic citations and accident claims can impact Ford Flex insurance costs for each age group. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Ford Flex full coverage rates compared to liability only
The chart below shows the difference between Ford Flex auto insurance rates with and without full coverage. The premiums assume no violations or accidents, $500 deductibles, single status, and no additional discounts are factored in.
When to buy liability coverage only
There is no exact formula for eliminating physical damage insurance, but there is a general guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your Ford Flex replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If you are paying over $800 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some circumstances where dropping full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Ford Flex Insurance Costs Can Be Reduced
Lots of things are used in the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but some are more obscure such as your marital status or your commute time.
The items below are some of the most common factors used by your company to calculate rates.
Costs and your address – Being located in a small town can be a good thing when it comes to insurance. Urban drivers have to deal with more aggressive driving styles and longer commute times. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims.
Performance affects premiums – The performance of the vehicle you drive makes a big difference in the rate you pay. The cheapest rates will normally be found when insuring lower performance four cylinder passenger vehicles, but there are many factors that impact the final cost.
The data below assumes a single female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Ford Flex insurance premiums compared to other models of vehicles that have a range of risk factors.
Rates impacted by vehicle usage – Driving more miles each year the more it will cost to insure it. A lot of companies charge to insure your cars partially by how you use the vehicle. Cars that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Incorrect rating for your Flex may be wasting your money. It’s a good idea to make sure your vehicle rating is rated on the correct usage for each vehicle, because improper ratings can cost you money.
Raising deductibles saves money – Your deductibles represent how much money you are required to spend out-of-pocket if the claim is covered. Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of some claims that would be covered are collision with another vehicle, hail damage, and having a roll-over accident. The more expense the insured is willing to pay, the less money you will pay for insurance.
Are men or women drivers cheaper? – Over time, data shows that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Men and women cause fender benders in similar percentages, but the males get into accidents with more damage. Men also statistically get ticketed for serious violations like driving under the influence (DUI). Male teenagers are several times more likely to be in an accident and therefore pay the highest rates.
The example below visualizes the comparison of Ford Flex insurance prices for male and female drivers. The premiums assume no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are applied.
Ford Flex insurance claim data – Companies analyze claim trends for every vehicle when determining insurance rates. Vehicles that the statistics show to have higher number or severity of losses will cost more for specific coverages. The information below illustrates the historical insurance loss data for Ford Flex vehicles.
For each type of coverage, the claim probability for all vehicles compiled together is equal to 100. Percentages below 100 are indicative of better than average losses, while values over 100 point to more losses or statistically larger losses.
|Vehicle Make and 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|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When to talk to an insurance agent
Many people still prefer to get advice from a local agent and doing so can bring peace of mind Good insurance agents are very good at helping people manage risk and help you file claims. One of the great benefits of getting online price quotes is that you can find cheap insurance quotes but also keep your business local. And supporting neighborhood agents is important especially in Orlando.
Upon completion of this simple form, the coverage information gets sent to participating agents in Orlando who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent to you instantly. If for some reason you want to quote rates from a specific insurance provider, you just need to go to their quote page and give them your coverage information.
Two different types of car insurance agents
If you are searching for a local insurance agency, it’s important to understand the types of insurance agents and how they are slightly different. Insurance agents may be either independent or exclusive. Both types can handle insurance, but it’s important to know the difference in the companies they write for since it can affect buying decisions.
Independent Agents (or Brokers)
Agents in the independent channel are normally appointed by many insurers so they can write business through lots of different companies and help determine which has the cheapest rates. If prices rise, they simply move the coverage in-house and you don’t have to find a new agent.
If you are trying to find cheaper rates, you should always compare quotes from several independent agencies so that you have a good selection of quotes to compare. Most can insure with small mutual carriers which can be an advantage.
Listed below are Orlando independent insurance agents who can help you get free rate quotes.
- National Insurance Agencies
1005 N Pine Hills Rd – Orlando, FL 32808 – (407) 480-5521 – View Map
- State and Co Insurance Agency
605 E Robinson St #450 – Orlando, FL 32801 – (407) 334-7505 – View Map
- Corkhill Insurance Agency, LLC
20 S Bumby Ave – Orlando, FL 32803 – (407) 898-8891 – View Map
Exclusive insurance agents can usually just insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to shop your coverage around so they are skilled at selling on more than just price. These agents are usually well trained in insurance sales and that allows them to sell at a higher price point. Some people will only choose to use an exclusive agent primarily because of the brand and solid financial strength.
Below is a short list of exclusive agencies in Orlando who can help you get comparison quotes.
- Marylou Davis – State Farm Insurance Agent
6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400 – View Map
- Terri Marshall – State Farm Insurance Agent
5555 E Michigan St #104 – Orlando, FL 32822 – (407) 380-5689 – View Map
- Henry Wahl – State Farm Insurance Agent
417 Summerlin Avenue – Orlando, FL 32801 – (407) 895-5285 – View Map
Choosing the best auto insurance agent should include more criteria than just a cheap price quote. Before buying a policy in Orlando, get answers to these questions.
- Do they regularly work with personal auto policies in Orlando?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they offer claims assistance after hours?
- Does the agency support the community they serve?
- Is the agency covered by Errors and Omissions coverage?
- How does the company pay claims for a total loss?
- Will the agent or a CSR service your policy?
Do I just need basic coverages?
When quoting and comparing coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.
These are some specific questions could help you determine if your insurance needs would benefit from professional advice.
- When can I cancel my policy?
- How much coverage applies to personal belongings?
- Who is covered by my policy?
- Is my nanny covered when transporting my kids?
- Can I afford low physical damage deductibles?
- Am I covered by my spouse’s policy after a separation?
- Can I insure my car for more than it’s worth?
- Am I missing any policy discounts?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.
Find affordable auto insurance prices by comparing often
Cost effective Ford Flex insurance can be purchased on the web and from local agencies, and you should be comparing both so you have a total pricing picture. A few companies do not offer internet price quotes and most of the time these small insurance companies sell through local independent agencies.
When shopping online for auto insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced physical damage coverage only to discover later that they should have had better coverage. Your goal is to buy enough coverage at the best possible price, but do not skimp to save money.
You just learned many tips how you can find cheap Ford Flex insurance in Orlando. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Orlando car insurance quotes. Drivers may even discover the best rates are with a lesser-known regional company.
Additional detailed information can be found in these articles:
- Understanding your Policy (NAIC.org)
- What Auto Insurance is Cheapest for Teenage Females in Orlando? (FAQ)
- Who Has Affordable Orlando Auto Insurance Quotes for 18 Year Olds? (FAQ)
- What Insurance is Cheapest for Drivers with Accidents in Orlando? (FAQ)
- Who Has Cheap Orlando Car Insurance Quotes for a Ford Fusion? (FAQ)
- Who Has Cheap Orlando Auto Insurance for Hybrid Vehicles? (FAQ)
- What Insurance is Cheapest for a Chevrolet Silverado in Orlando? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)