Compare Ford Flex Insurance Rate Quotes in Lubbock

Discount Ford Flex insuranceSearching for better insurance prices for a new or used Ford Flex in Texas can be difficult, but you can use the following methods and make it easy. There is a better way to shop for car insurance so we’re going to tell you the quickest way to get price quotes on a Ford and locate the lowest possible price from Lubbock insurance agents and online providers.

Finding the cheapest coverage in Lubbock is really not that difficult. If you have a policy now or just want cheaper coverage, use these techniques to shop for the lowest rates and still have adequate protection. Vehicle owners just have to use the best way to shop for insurance online.

The auto insurance companies shown below are ready to provide price quotes in Lubbock, TX. If you want to find cheap auto insurance in Texas, we suggest you visit several of them to get the lowest price.

Insurance is not optional

Despite the high insurance cost for a Ford Flex in Lubbock, insuring your vehicle may be mandatory for several reasons.

The benefits of carrying enough insurance outweigh the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver overpays as much as $700 annually so it’s recommended you shop around at every renewal to ensure rates are competitive.

Detailed insurance information

The premium information displayed below highlights estimates of insurance premium costs for Ford Flex models. Being able to understand how auto insurance premiums are figured can help guide drivers when making informed decisions when shopping around for a new policy.

Ford Flex Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $318 $580 $430 $26 $128 $1,482 $124
Flex SEL 2WD $318 $684 $430 $26 $128 $1,586 $132
Flex SEL AWD $354 $684 $430 $26 $128 $1,622 $135
Flex Limited 2WD $354 $684 $430 $26 $128 $1,622 $135
Flex Limited AWD $354 $684 $430 $26 $128 $1,622 $135
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in your specific Lubbock location which can impact premium rates noticeably.

An analysis of deductible level

A question often asked by Lubbock drivers is how high should the deductibles for physical damage be. The premium rates below determine the cost difference between low and high deductibles. The first table uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Ford Flex insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $332 $496 $382 $22 $114 $1,371 $114
Flex SEL 2WD $332 $584 $382 $22 $114 $1,459 $122
Flex SEL AWD $370 $584 $382 $22 $114 $1,497 $125
Flex Limited 2WD $370 $584 $382 $22 $114 $1,497 $125
Flex Limited AWD $370 $584 $382 $22 $114 $1,497 $125
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Ford Flex insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $206 $312 $382 $22 $114 $1,036 $86
Flex SEL 2WD $206 $368 $382 $22 $114 $1,092 $91
Flex SEL AWD $228 $368 $382 $22 $114 $1,114 $93
Flex Limited 2WD $228 $368 $382 $22 $114 $1,114 $93
Flex Limited AWD $228 $368 $382 $22 $114 $1,114 $93
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in Lubbock location which can change rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $31 more each month or $372 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 24 months between claims, you would probably come out ahead if you choose the higher deductible.

The illustration below demonstrates how deductibles and can increase or decrease Ford Flex insurance costs for different categories of driver ages. The costs are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

Impact of speeding/accidents on insurance rates

The illustration below demonstrates how traffic citations and accidents can influence Ford Flex insurance premiums for different insured age categories. The information is based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Do you need full coverage?

The illustration below visualizes the comparison of Ford Flex insurance prices with and without full coverage. The premiums assume no claims or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

When to drop comp and collision

There is no definitive guideline of when to phase out full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s say your Ford Flex settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after the policy deductible has been paid. If premium cost is more than $400 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.

Lubbock insurance discounts

Some insurance providers don’t list their entire list of discounts very well, so we researched both the well known as well as some of the hidden discounts that you may qualify for.Save money with discounts

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck. Any amount of discount should help lower the cost of coverage.

The information below shows the comparison of Ford Flex insurance prices with and without discounts. The data assumes a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, safe-driver, and homeowner discounts applied.

A list of insurance companies and some of their more popular discounts can be found below.

It’s a good idea to ask all companies you are considering which discounts they offer. Some of the earlier mentioned discounts might not be offered in every state. To find providers that offer some of these discounts in Texas, click this link.

Insurance agencies can help

Many drivers just prefer to talk to a local agent and that is just fine! Good agents are trained to spot inefficiencies and help submit paperwork. A nice benefit of comparing insurance prices online is you can get cheaper car insurance rates and still have a local agent.

Find insurance agent in LubbockAfter completing this quick form, the quote information is immediately sent to companies in Lubbock that provide free Lubbock auto insurance quotes to get your business. It makes it easy because there is no need to visit any agencies because quoted prices will be sent to the email address you provide. If you want to compare rates from a particular provider, you can always jump over to their website to submit a rate quote request.

Picking an insurer shouldn’t rely on just a cheap price quote. Here are some questions you might want to ask.

The following are Lubbock insurance companies willing to provide price quote information for Ford Flex insurance in Lubbock.

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Which policy gives me the best coverage?

When choosing the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.Insurance savings

For example, these questions may help you determine whether or not you might need professional guidance.

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Affordable auto insurance is out there

Drivers switch companies for any number of reasons including poor customer service, extreme rates for teen drivers, an unsatisfactory settlement offer and not issuing a premium refund. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

We just covered some good ideas how to lower your Ford Flex insurance premium rates in Lubbock. The most important thing to understand is the more providers you compare, the higher your chance of finding cheaper Lubbock auto insurance quotes. Consumers may even find the most savings is with a small mutual company.

How to save on Ford Flex insurance in Lubbock

If you want to find the absolute lowest rates, then the best way to find cheaper quotes for Ford Flex insurance in Lubbock is to annually compare prices from different companies that sell auto insurance in Texas. This can be done by following these guidelines.

One piece of advice is to make sure you’re comparing the same level of coverage on every price quote and to quote with as many companies as feasibly possible. This enables an apples-to-apples comparison and many rates to choose from.

Additional auto insurance information is available at the links below