Compare Ford Flex Insurance Rates in Seattle

Feel like you’re a prisoner to overpriced Ford Flex insurance in Seattle? It’s a common feeling and many Seattle consumers are in the same pinch.

Unbelievably, nearly 70% of drivers kept their coverage with the same car insurance company for four years or more, and 38% of drivers have never compared quotes from other companies. Washington drivers could save an average of roughly 40% each year by just shopping around, but they just don’t want to do a rate comparison. Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate possible on Ford Flex insurance in Seattle.

It’s a good habit to price shop coverage periodically because insurance prices change quite often. Just because you had the best rate on Ford Flex insurance in Seattle at your last renewal you can probably find a better premium rate now. Block out anything you think you know about car insurance because I’m going to teach you the best way to save on car insurance.

If you are already insured or are looking for a new policy, you can follow these tips to get lower rates without reducing coverage. Locating the best rates in Seattle is not rocket science. Shoppers just have to learn the most time-saving way to compare rates using one simple form.

All the larger auto insurance companies such as GEICO, State Farm and Progressive provide pricing online. Doing online price comparisons for Ford Flex insurance in Seattle can be done by anyone as all you need to do is type in your required coverages into a form. After you submit the form their quoting system makes automated requests for credit information and your driving record and returns pricing information based on these and other factors. Using the web to get quotes for Ford Flex insurance in Seattle simplifies rate comparisons, and it’s absolutely necessary to get many rate quotes if you want to get the cheapest possible prices on auto insurance.

To quickly get comparison pricing now, compare rates from the companies below. If you have a policy now, it’s recommended you input the insurance coverages exactly as shown on your declarations page. This makes sure you’re receiving an apples-to-apples comparison for exact coverage.

The companies in the list below offer quotes in Seattle, WA. If multiple providers are shown, we recommend you compare several of them to get a more complete price comparison.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific Seattle garaging location which can revise prices significantly.

Analysis of deductible levels

One of the most common car insurance questions is which deductibles should you choose. The figures shown below lay out the rate difference when you select higher and lower policy deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in specific Seattle garaging location which can modify rates greatly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $14 more each month or $168 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 18 months between claims, you would come out ahead going with the higher deductible.

Physical damage deductibles: Should you raise them?

The information below demonstrates how deductibles and can raise or lower Ford Flex insurance costs for different age groups. The prices are based on a single male driver, full coverage, and no discounts are factored in.

Earn discounts on Seattle insurance

Insuring your vehicles can cost a lot, but companies offer discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be manually applied before you will receive the discount. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.

• Driver Safety – Completing a course that instructs on driving safety could save 5% or more and also improve your driving technique.
• Drive Less and Save – Driving fewer miles could be rewarded with better prices on cars that stay parked.
• Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can reduce accidents and will save you 10% or more on Flex insurance in Seattle.
• Senior Discount – Seniors are able to get better insurance rates.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a lower rate if you buy life insurance from them.
• Use Seat Belts – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
• Passenger Safety Discount – Factory air bags or motorized seat belts may get savings of up to 25% or more.
• Online Discount – A few insurance companies provide a small discount shop Seattle auto insurance on the web.

Don’t be surprised that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you aren’t that lucky. But all discounts will help lower the cost of coverage.

Car insurance companies who may offer these money-saving discounts may include but are not limited to:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Double check with each company to give you their best rates. Some of the earlier mentioned discounts may not apply everywhere. To view insurance companies with discount insurance rates in Washington, click here.

Ford Flex Insurance Costs Can Be Reduced

Many things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but some are not as apparent like where you live or how safe your car is. It’s important that you understand the factors that play a part in calculating your premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to big savings.

• Urban residents pay more – Being located in a rural area can save you money when it comes to auto insurance. People who live in big cities have traffic congestion and much longer commute distances. Fewer drivers and short commutes corresponds to lower accident rates in addition to lower liability claims
• Use but don’t abuse your insurance – Auto insurance companies in Washington award most affordable rates to people who are claim-free. If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
• Your employer is a factor – Do you have a high-stress occupation? Occupations like judges, architects and medical professionals tend to have higher premium rates attributed to intense work situations and lots of time spent away from family. On the flip side, careers like scientists, students and the unemployed generally pay rates lower than average.
• Drive less and get lower rates – Driving more miles in a year the more it will cost to insure it. The majority of insurers charge rates based on how the vehicle is used. Vehicles that have low annual miles can get a lower rate than vehicles that have high annual mileage. It’s a smart idea to ensure your auto insurance policy reflects the correct usage for each vehicle, because it can save money. Improper usage on your Flex may be wasting your money.
• Married people drive safer – Having a significant other may save some money on auto insurance. Marriage demonstrates that you tend to be more financially stable and statistics show married couples file fewer claims.
• Consolidate policies to earn discounts – Most major insurers will award better rates to buyers that have more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, you may still want to compare other Seattle Flex insurance rates to guarantee you are still saving the most.
• Ford Flex insurance loss probability – Auto insurance companies include the past claim trends for vehicles when they calculate premium rates for each model. Vehicles that the data shows to have higher losses will have higher premium rates. The information below illustrates the compiled insurance loss statistics for Ford Flex vehicles.

  For each insurance policy coverage type, the claim probability for all vehicles, as an average, is represented as 100. Numbers that are below 100 imply a favorable loss record, while percentages above 100 point to more losses or tendency to have higher losses.

  Insurance Loss Ratings for Ford Flex Vehicles

  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

  BETTER

  AVERAGE

  WORSE

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

When to have guidance from a local insurance agent

A lot of people prefer to talk to an insurance agent and that is recommended in a lot of cases Professional agents are highly skilled in risk management and help file insurance claims. One of the great benefits of price shopping on the web is the fact that you can find the lowest rates and still buy from a local agent. And supporting neighborhood agents is especially important in Seattle.

After filling out this simple form, the quote information is sent to insurance agents in Seattle that can give you free Seattle auto insurance quotes for your car insurance coverage. There is no need to search for an agent due to the fact that quote results will go immediately to your email address. If you need to compare rates from a specific insurance company, you just need to visit that company’s website and complete a quote there.

Two different types of car insurance agents

When finding a reliable insurance agent, you must know there are a couple different types of agents and how they can quote your rates. Car insurance policy providers can be described as either exclusive agents or independent agents. Either one can write car insurance policies, but it’s worth learning how they are different because it can impact buying decisions.

Independent Agents (or Brokers)

Agents in the independent channel are not restricted to one company and that allows them to write policies through many companies and get the cheapest rates. If your premiums go up, your agent can just switch to a different company which makes it simple for you.

If you are trying to find cheaper rates, it’s a good idea to get quotes from independent agents so that you can do a thorough price comparison.

Featured below are independent agencies in Seattle that may be able to give free rate quotes.

More Seattle agents

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. They are well trained in insurance sales which aids in selling service over price.

The following are exclusive insurance agents in Seattle willing to provide price quote information.

More Seattle agents

Finding the right insurance agent requires you to look at more than just the bottom line cost. The following questions are important to ask.

• Can you choose the body shop in case repairs are needed?
• Can you get a list of referrals?
• How long has the business existed?
• Do they have 24-hour customer assistance?
• Does the agency have a positive business rating?

After talking to the agent and getting good answers to your questions as well as a price you’re happy with, you’ve probably found an insurance agent that is a good match to service your policy.

Shop around and save

Cheaper Ford Flex insurance in Seattle is possible online and also from your neighborhood Seattle agents, so get free Seattle auto insurance quotes from both of them to have the best chance of lowering rates. Some car insurance companies don’t offer rate quotes online and these smaller providers only sell coverage through independent insurance agencies.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In many instances, drivers have reduced collision coverage and found out when filing a claim that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

Additional detailed information can be read at these sites:

• Avoiding Deer Collisions (Insurance Information Institute)
• Who Has Affordable Seattle Car Insurance for High School Students? (FAQ)
• How Much is Car Insurance for First-time Drivers in Seattle? (FAQ)
• Who Has Affordable Seattle Auto Insurance for a Ford F-150? (FAQ)
• How Much are Auto Insurance Quotes for 18 Year Olds in Seattle? (FAQ)
• What Auto Insurance is Cheapest for Retired Military in Seattle? (FAQ)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• What is Full Coverage? (Allstate)