Do you want to learn how to find lower-priced Ford Flex insurance in Phoenix? Overpriced car insurance in Phoenix can drain your family’s budget and put a big crunch on your finances. Doing a price comparison can be a smart way to lower your bills every month.
It’s astonishing, but most car insurance policyholders have purchased from the same company for a minimum of four years, and nearly 40% of drivers have never shopped around. With the average car insurance premium being $1,578, Phoenix drivers could save an average of almost $700 each year by just comparing quotes, but they don’t know the actual amount they would save if they bought a different policy.
Since you have so many insurance companies to choose from that have lower-cost insurance for a Ford Flex in Phoenix, it can be challenging to locate the most cost effective insurance company.
Companies offering competitive Ford Flex rates in Phoenix, AZ
The following companies are ready to provide price quotes in Arizona. If the list has multiple companies, it’s a good idea that you click on several of them to get the lowest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| Flex SEL 2WD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| Flex SEL AWD | $270 | $370 | $392 | $24 | $118 | $1,174 | $98 |
| Flex Limited 2WD | $250 | $450 | $314 | $18 | $94 | $1,126 | $94 |
| Flex Limited AWD | $250 | $474 | $338 | $20 | $102 | $1,184 | $99 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in vehicle garaging location which can revise insurance rates noticeably.
Drive responsibly or pay higher rates
The chart below shows how violations and fender-benders increase Ford Flex auto insurance costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
You may qualify for discounts for Ford Flex insurance in Phoenix
The price of auto insurance can be rather high, but you might find some hidden discounts that can help lower your rates. Certain reductions will be credited at the time of purchase, but some may not be applied and must be specifically requested before you will receive the discount. If you don’t get every credit you deserve, you are not getting the best rate possible.
- Auto/Life Discount – Insurance companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
- Distant Student – Children who are enrolled in a college that is more than 100 miles from Phoenix and leave their car at home can be insured at a reduced rate.
- Multi-car Discount – Buying a policy with more than one vehicle on one policy qualifies for this discount.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
- Pay Early and Save – By paying your entire bill at once rather than spreading payments over time you can avoid the installment charge.
It’s important to understand that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, nobody gets a free ride.
Auto insurance companies who might offer these benefits include:
When comparing rates, check with every prospective company to give you their best rates. Savings may not be available in your state. To see a list of insurance companies that provide some of the discounts listed above in Arizona, click here.
Learn How to Lower Your Insurance Costs
Part of the car insurance buying process is learning the rating factors that go into determining your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that will entitle you to lower rates.
Listed below are some of the most rate-impacting factors used by your company to calculate rates.
Higher physical damage deductibles save money – Physical damage insurance, aka comp and collision, helps pay for damage to your vehicle. Some examples of covered claims are a broken side mirror, flood damage, and damage caused by flying debris. Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket before your car insurance pays a claim. The more expense the insured has to pay upfront, the better rate you will receive.
Optional features that cut car insurance rates – Choosing to buy a car with advanced anti-theft systems can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your vehicle from being stolen.
Annual mileage impacts costs – The more miles you rack up on your Ford each year the higher your rate. Most companies calculate rates partially by how you use the vehicle. Vehicles that are left in the garage can be on a lower rate level compared to those used for work or business. An improperly rated Flex may be wasting your money. Verify your policy reflects the correct usage for each vehicle.
Small claims can cost you – Insurance companies in Arizona generally give the lowest premiums to people who only file infrequent claims. If you file claims often, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of more catastrophic claims.
Better premiums on safer cars – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries means lower claim amounts passed on to you as lower rates.
Ford Flex statistical loss data – Insurers include the past claim history for a vehicle when they set coverage costs for each model. Models that statistically have higher number or severity of losses will cost more to insure. The next table illustrates the historical insurance loss data for Ford Flex vehicles.
For each insurance policy coverage type, the claim probability for all vehicles averaged together equals 100. Values that are below 100 suggest a better than average loss history, while values that are 100 or greater indicate more frequent losses or a tendency for claims to be larger.
Ford Flex Insurance Claim Statistics
| 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
You may need specialized auto insurance coverage
When quoting and choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that
For example, these questions can help discover if your insurance needs will benefit from professional help.
- When can my company non-renew my policy?
- Will filing a claim cost me more?
- Does insurance cover tools stolen from my truck?
- Should I waive the damage coverage when renting a car?
- Do I need roadside assistance coverage?
- When should my teen driver be added to my policy?
- Does coverage extend to a rental car in a foreign country?
- Do I need to call my car insurance company before buying a new car?
- What if I don’t agree with a claim settlement offer?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Compare prices but still have a neighborhood Phoenix auto insurance agent
A lot of people prefer to have an agent’s advice and that can be a smart move An additional benefit of comparing rates online is you may find lower rates and still buy from a local agent. Supporting local agencies is important particularly in Phoenix.
By using this form (opens in new window), your information gets sent to agents in your area that can provide free Phoenix auto insurance quotes for your insurance coverage. You never need to find an agent because prices are sent to your email. You can find the lowest rates without having to waste a lot of time. In the event you want to get a price quote from a specific auto insurance provider, don’t hesitate to search and find their rate quote page and give them your coverage information.
Compare rates from both independent and exclusive car insurance agents
If you would like to find a reputable agency, you must know there are a couple types of insurance agents to choose from. Phoenix agents are either independent or exclusive depending on the company they work for.
Independent Auto Insurance Agencies or Brokers
Independent insurance agents are not limited to a single company and that gives them the ability to insure through lots of different companies and possibly get better coverage at lower prices. If they find a cheaper price, your policy is moved internally and that require little work on your part. If you need lower rates, we recommend you check rates from independent agents for the best price selection.
Featured below is a small list of independent insurance agencies in Phoenix that may be able to give pricing information.
Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map
MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
Exclusive Auto Insurance Agencies
Agents of this type have only one company to place business with and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training on the products they sell which can be an advantage.
The following are Phoenix exclusive agents that are able to give price quote information.
Lupita Fernandez – State Farm Insurance Agent
2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 – View Map
Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map
State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024 – 751 E Union Hills Dr #A9, AZ 85024 – (602) 788-6700 – View Map
Picking an insurance agent needs to be determined by more than just a low price. You should also get answers to these questions.
- Are they full-time agents?
- Do they have 24-hour customer assistance?
- Which family members are covered?
- Do you work with a CSR or direct with the agent?
- Are you getting all the discounts the company offers?
More comparisons equals cheaper rates
A few companies don’t offer price quotes online and many times these regional carriers sell through independent agencies. Affordable Ford Flex insurance in Phoenix can be bought both online and with local Phoenix insurance agents, so compare prices from both to get a complete price analysis.
We just showed you quite a bit of information on how to find affordable Ford Flex insurance in Phoenix. The key concept to understand is the more providers you compare, the better your comparison will be. You may even be surprised to find that the best price on insurance is with a lesser-known regional company. These companies may often insure only within specific states and give better rates compared to the large companies like State Farm or Progressive.
More tips and info about insurance can be read by following these links:
- Event Data Recorders FAQ (iihs.org)
- How Much is Car Insurance for Veterans in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Learners Permit in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenagers in Phoenix? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Rental Car Insurance Tips (Insurance Information Institute)