Best Ford Flex Insurance in Riverside

Insurance quote for Ford Flex in RiversideUnimaginable but true, the vast majority of drivers have remained with the same car insurance company for a minimum of four years, and nearly 40% of drivers have never compared rates to find cheap insurance. Riverside consumers can save 35% each year by just comparing rate quotes, but they just assume it’s a time-consuming process to compare rate quotes.

The recommended way to find more affordable Ford Flex insurance in Riverside is to start doing a yearly price comparison from different companies in California. Rate comparisons can be done by completing these steps.

Step 1: Learn about car insurance and the things you can control to prevent expensive coverage. Many rating factors that drive up the price such as speeding tickets, accidents and poor credit history can be improved by paying attention to minor details.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple sources. View companies

Step 3: Compare the new rate quotes to your current policy and determine if cheaper Flex coverage is available in Riverside. If you find a better price and make a switch, verify that coverage does not lapse between policies.

Step 4: Provide adequate notice to your current company to cancel your current car insurance policy and submit payment along with a signed and completed policy application to your new company or agent. Once coverage is bound, store the proof of insurance certificate in a readily accessible location in your vehicle.

A tip to remember is that you’ll want to make sure you compare similar coverage information on each quote and to quote with as many companies as you can. Doing this ensures the most accurate price comparison and many rates to choose from.

When shopping for Ford Flex insurance in Riverside there are multiple ways of comparing rate quotes from many insurance companies in California. One of the best ways to find affordable Ford Flex insurance rates is simply to get online rate quotes.

When comparing insurance rates, know that comparing a large number of companies helps increase your odds of locating lower pricing. Not every company provides rate quotes online, so it’s important to also get price quotes from them, too.

The following companies offer price comparisons in Riverside, CA. If the list has multiple companies, it’s a good idea that you get rates from several of them in order to find the cheapest rates.

Car insurance statistics and figures

The premium table below showcases detailed analysis of policy rates for Ford Flex models. Understanding more about how insurance rates are figured can help customers make decisions when choosing a new policy provider.

Ford Flex Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $332 $564 $500 $30 $150 $1,576 $131
Flex SEL 2WD $332 $664 $500 $30 $150 $1,676 $140
Flex SEL AWD $370 $664 $500 $30 $150 $1,714 $143
Flex Limited 2WD $370 $664 $500 $30 $150 $1,714 $143
Flex Limited AWD $370 $664 $500 $30 $150 $1,714 $143
Get Your Own Custom Quote Go

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in specific zip code location which can influence coverage rates significantly.

Should you raise deductibles?

One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The comparison tables below may help you to understand the cost difference between low and high physical damage deductibles. The first rate quote example uses a $250 deductible and the second rate table uses a $500 deductible.

Ford Flex insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $386 $576 $442 $26 $132 $1,587 $132
Flex SEL 2WD $386 $678 $442 $26 $132 $1,689 $141
Flex SEL AWD $430 $678 $442 $26 $132 $1,733 $144
Flex Limited 2WD $430 $678 $442 $26 $132 $1,733 $144
Flex Limited AWD $430 $678 $442 $26 $132 $1,733 $144
Get Your Own Custom Quote Go

Ford Flex insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $314 $464 $442 $26 $132 $1,378 $115
Flex SEL 2WD $314 $546 $442 $26 $132 $1,460 $122
Flex SEL AWD $348 $546 $442 $26 $132 $1,494 $125
Flex Limited 2WD $348 $546 $442 $26 $132 $1,494 $125
Flex Limited AWD $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates considerably.

We can estimate from the data above that using a $250 deductible costs an average of $19 more each month or $228 for a full year across all Ford Flex models than opting for the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at least 13 months between claim filings, you would probably save some money if you elect the higher deductible.

Rate difference between full and liability-only coverage

The chart below shows the comparison of Ford Flex yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or driving citations, $100 deductibles, drivers are single, and no additional discounts are factored in.

When to switch to liability coverage only

There is no clear-cut formula of when to eliminate comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Ford Flex replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after paying your policy deductible. If premium cost is more than $300 a year for full coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Your auto insurance coverage should be tailored to you

When buying coverage online or from an agent for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.Drive safe and save

These are some specific questions may help you determine whether you would benefit from professional advice.

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Buying from car insurance agents

A lot of people would prefer to have an agent’s advice and doing so can bring peace of mind The best thing about getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes and still buy from a local agent.

Riverside insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), your information is transmitted to participating agents in Riverside who will give competitive quotes to get your business. You won’t need to do any legwork since price quotes are sent directly to your email. You can find better rates without the usual hassles of price shopping. If you wish to compare rates from a specific insurance company, you just need to search and find their rate quote page and fill out the quote form the provide.

Finding the right company is decision based upon more than just a cheap price. Ask your prospective agent these questions:

When finding a local Riverside insurance agency, you need to know there are two types of agencies from which to choose. Auto insurance agencies are either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agents

These agents can only provide one company’s prices like State Farm or Allstate. These agents are unable to shop your coverage around so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates. Drivers often choose to use a exclusive agent primarily because of the prominent brand name instead of buying on price only.

Below is a short list of exclusive agencies in Riverside who can help you get rate quotes.

More Riverside agents

Independent Agencies or Brokers

Agents that elect to be independent often have affiliation with several companies and that gives them the ability to insure through lots of different companies and get you the best rates possible. If premiums increase, an independent agent can move your coverage and you can keep the same agent. When comparison shopping, we highly recommend that you check rates from multiple independent agents to get the best comparison. They often place coverage with smaller companies that may have much lower rates than larger companies.

Below is a list of independent insurance agents in Riverside who can help you get rate quotes.

More Riverside agents