Save Money on Ford Flex Insurance in Boston

Insurance quote for Ford Flex in BostonHow long have you put off shopping around for lower-priced auto insurance rates in Boston, MA? Boston consumers have options when looking for the lowest priced Ford Flex insurance. They can either waste time calling around to get rate comparisons or leverage the internet to get rate quotes. There is a right way and a wrong way to find auto insurance online so you’re going to learn the proper way to price shop coverage for a Ford and get the best price possible.

How Insurers Calculate Ford Flex Insurance Premiums

Lots of things are part of the equation when you get your auto insurance bill. A few of the factors are predictable like your driving record, although some other factors are less apparent such as whether you are married or how financially stable you are. One of the most helpful ways to save on insurance is to to have a grasp of the factors that aid in calculating your policy premiums. If you know what controls the rates you pay, this enables informed choices that will entitle you to lower insurance prices.

Data for Ford Flex insurance

The premium information displayed below outlines different rate quotes for Ford Flex models. Learning how policy premiums are figured can help you make decisions when shopping your coverage around.

Ford Flex Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $154 $268 $378 $22 $114 $936 $78
Flex SEL 2WD $154 $316 $378 $22 $114 $984 $82
Flex SEL AWD $172 $316 $378 $22 $114 $1,002 $84
Flex Limited 2WD $172 $316 $378 $22 $114 $1,002 $84
Flex Limited AWD $172 $316 $378 $22 $114 $1,002 $84
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can affect coverage rates considerably.

Deductible comparison

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The tables below can help you visualize how much more you’ll pay of buying low and high insurance deductibles. The first rate estimation uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.

Ford Flex insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $324 $520 $334 $20 $100 $1,323 $110
Flex SEL 2WD $324 $612 $334 $20 $100 $1,415 $118
Flex SEL AWD $362 $612 $334 $20 $100 $1,453 $121
Flex Limited 2WD $362 $612 $334 $20 $100 $1,453 $121
Flex Limited AWD $362 $612 $334 $20 $100 $1,453 $121
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Ford Flex insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $236 $350 $334 $20 $100 $1,040 $87
Flex SEL 2WD $236 $414 $334 $20 $100 $1,104 $92
Flex SEL AWD $264 $414 $334 $20 $100 $1,132 $94
Flex Limited 2WD $264 $414 $334 $20 $100 $1,132 $94
Flex Limited AWD $264 $414 $334 $20 $100 $1,132 $94
Get Your Own Custom Quote Go

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

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $26 more each month or $312 a year across all Ford Flex models than quoting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at least 15 months between claim filings, you would most likely save money if you choose the higher deductible.

The chart below shows how choosing a deductible and can influence Ford Flex yearly insurance costs for different age categories. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Drive responsibly or pay higher rates

The chart below highlights how speeding tickets and at-fault collisions impact Ford Flex insurance prices for each different age category. The premiums assume a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

How much more does full coverage cost in Boston?

The information below illustrates the difference between Ford Flex car insurance costs with full physical damage coverage and with liability coverage only. The data assumes no violations or claims, $100 deductibles, single status, and no discounts are taken into consideration.

When to buy liability coverage only

There isn’t a written rule that is best for determining when to drop physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than around 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 claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying your deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some scenarios where dropping full coverage is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Cheap Boston auto insurance quotes with discounts

Car insurance is not cheap, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but some need to be requested specifically before they will apply. If you do not double check each discount available, you could be saving more on your auto insurance.Save money with discounts

Remember that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The illustration below shows the difference between Ford Flex yearly insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no violations or claims, Massachusetts state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, homeowner, and marriage discounts applied.

Companies and some of their more popular discounts are shown below.

Before buying, ask every prospective company which discounts you qualify for. Discounts may not apply to policies in every state. If you would like to view insurance companies with the best Ford Flex insurance discounts in Boston, follow this link.

Quote more and you will save more

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. Too many times, consumers will sacrifice liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, policy cancellation and being labeled a high risk driver. Whatever your reason, choosing a new insurance company can be easier than you think.

In this article, we presented some good ideas how you can reduce Ford Flex insurance premium rates online in Boston. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates come from an unexpected company.

How to find affordable Ford Flex insurance in Boston

If you want to find the absolute lowest rates, then the best way to get more affordable Ford Flex insurance is to compare prices annually from companies who sell auto insurance in Boston. You can shop around by following these steps.

A valuable tip to remember is to compare the same liability limits and deductibles on every quote request and and to look at as many carriers as you can. Doing this provides an accurate price comparison and and a good selection of different prices.

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