Save on Ford Flex Insurance in Tucson

If 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.

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.

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.

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.

• How many coverages with the same company – Most major companies afford lower prices to insureds that purchase more than one policy such as combining an auto and homeowners policy. The discount can be 10 percent or more. Even if you qualify for this discount already, you still need to compare other Tucson Flex insurance rates to guarantee you are still saving the most.

• Your age impacts your costs – Older people are proven to be safer behind the wheel, cost insurance companies less in claims, and usually have better credit. Drivers with little experience are known to be less responsible with other occupants in the car so they pay higher auto insurance rates.

  The following chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Rates go up with performance – The type of car, truck or SUV you are trying to find cheaper insurance for makes a significant difference in determining your rates. The cheapest rates are for low performance passenger cars, but many other things help determine your insurance rates.

  The next chart is based on a single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It compares Ford Flex car insurance rates compared to other models that have a range of performance risks.

• Safer cars cost less to insure – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
• The higher your credit rating the lower your prices – Having a good credit rating can be a huge factor in determining what you pay for auto insurance. So if your credit rating can use some improvement, you could be paying less to insure your Ford Flex by taking the time to improve your credit score. Insureds with excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.
• Extra coverages can add up – Policies have extra bells and whistles that can waste your money on your auto insurance policy. Insurance for roadside assistance, death and dismemberment, and additional equipment coverage may be costing you every month. These coverages may sound good when deciding what coverages you need, but if you have no use for them think about removing them and cutting costs.

• Cheaper to insure women? – Over time, data shows that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Both sexes get in auto accidents in similar percentages, but males tend to have more serious accidents. Not only that, but men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.

  The diagram below illustrates the comparison of Ford Flex insurance prices for male and female drivers. The price estimates are based on no violations or claims, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are factored in.

• Ford Flex claim probability – Insurers use statistical claims data to help calculate premium rates. Vehicles that the data determines to have a higher amount or frequency of claims will have higher rates for specific coverages. The table shown below demonstrates the loss history for Ford Flex vehicles.

  For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, equals 100. Percentages below 100 suggest a better than average loss history, while numbers above 100 point to more losses or an increased probability of a larger loss.

  
  

  Insurance Loss Ratings for Ford Flex Vehicles

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

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.

• Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more as compared to drivers with claims.
• Discounts for New Vehicles – Insuring a new Flex can save up to 30% because newer vehicles have to meet stringent safety requirements.
• Policy Bundle Discount – If you combine your auto and homeowners policies and insure them with the same company you will save at least 10% off all policies.
• Multiple Vehicles – Drivers who insure several vehicles on one policy can reduce rates for all insured vehicles.
• Membership in Organizations – Being in certain professional organizations is a good way to get lower rates when getting a Tucson car insurance quote.

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.

After 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.

• Are there any discounts for paying up front?
• Which insurance company do they prefer to write with?
• Does the agency have a good rating with the Better Business Bureau?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Can they help ensure a fair claim settlement?
• What is the financial rating for the quoted company?
• Is assistance available after office hours?
• Is there a Errors and Omissions policy in force?

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.

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

• When should I buy a commercial auto policy?
• Am I covered when driving someone else’s vehicle?
• What if I don’t agree with a claim settlement offer?
• Is my camper covered by my car insurance policy?
• What if I owe more than I can insure my car for?
• Do all my vehicles need collision coverage?
• Does insurance cover damages from a DUI accident?
• Should I buy full coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Am I covered if I drive in a foreign country?

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.

For more information, feel free to visit the articles below:

• Understanding Your Insurance Deductible (Insurance Information Institute)
• How Much is Auto Insurance for a Company Car in Tucson? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for College Graduates in Tucson? (FAQ)
• What Auto Insurance is Cheapest for a 20 Year Old Male in Tucson? (FAQ)
• How Much is Auto Insurance for Drivers with a DUI in Tucson? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for High School Students in Tucson? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Retired Military in Tucson? (FAQ)
• Auto Crash Statistics (Insurance Information Institute)
• Event Data Recorders FAQ (iihs.org)