Insurance quote for Ford Flex in Fort CollinsIf you are new to online price comparisons, it's easy to be bewildered due to the large number of insurance companies all advertising big savings for Ford Flex insurance in Fort Collins.

Regrettably, about 70% of customers have remained with the same insurance company for a minimum of four years, and practically 40% of insurance customers have never compared rate quotes at all. Many consumers in America can cut their rates by nearly $850 a year by just shopping around, but they don't invest the time required to shop their coverage around.

It's important to do rate comparisons quite often because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rate on Ford Flex insurance in Fort Collins a year ago there may be better deals available now. Forget all the misinformation about insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

If you already have coverage, you will most likely be able to find the best rates using this strategy. Our goal in writing this article help you learn the best methods to compare rates and some tips to save money. But Colorado vehicle owners must understand how the larger insurance companies charge you for coverage and use it to find better rates.

The fastest way that we advise to compare policy rates for Ford Flex insurance in Fort Collins is to know the trick car insurance companies provide online access to give you rate quotes. The one thing you need to do is take a few minutes to give details like whether or not you need a SR-22, whether you are married, daily mileage, and whether the vehicles are used for commuting. The data is then sent to many different companies and you should receive rate quotes immediately.

To get price quotes for your car now, click here and enter your zip code.

The following companies are our best choices to provide comparison quotes in Fort Collins, CO. If multiple companies are shown, we recommend you visit several of them in order to get a fair rate comparison.

Ford Flex Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $328 $616 $456 $28 $136 $1,564 $130
Flex SEL 2WD $172 $312 $362 $22 $108 $976 $81
Flex SEL AWD $238 $448 $396 $24 $118 $1,224 $102
Flex Limited 2WD $364 $726 $456 $28 $136 $1,710 $143
Flex Limited AWD $328 $608 $456 $28 $136 $1,556 $130
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in vehicle location which can impact coverage rates noticeably.

Ford Flex liability-only versus full coverage

The information below examines Ford Flex insurance costs with full phyical damage coverage and with liability coverage only. The price estimates are based on no violations or claims, $500 deductibles, married female driver, and no discounts are factored in.

Deciding between full coverage and liability only

There is no written rule for eliminating comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's assume your Ford Flex replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If it's costing you more than $400 a year for full coverage, then you might want to think about dropping full coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.

An analysis of deductible level

When buying auto insurance, a common question is which deductibles should you choose. The figures shown below may help to conceptualize the rate fluctuation when you buy lower versus higher coverage deductibles. The first data set uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Ford Flex insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $342 $546 $352 $20 $106 $1,391 $116
Flex SEL 2WD $342 $644 $352 $20 $106 $1,489 $124
Flex SEL AWD $380 $644 $352 $20 $106 $1,527 $127
Flex Limited 2WD $380 $644 $352 $20 $106 $1,527 $127
Flex Limited AWD $380 $644 $352 $20 $106 $1,527 $127
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Ford Flex insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $250 $368 $352 $20 $106 $1,096 $91
Flex SEL 2WD $250 $434 $352 $20 $106 $1,162 $97
Flex SEL AWD $278 $434 $352 $20 $106 $1,190 $99
Flex Limited 2WD $278 $434 $352 $20 $106 $1,190 $99
Flex Limited AWD $278 $434 $352 $20 $106 $1,190 $99
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can change rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs about $27 more each month or $324 for a full year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average more than 15 months between claim filings, you would save more money if you elect the higher deductible.

An analysis of deductible level

The example below shows how choosing a deductible and can impact Ford Flex insurance premiums for different insured age categories. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.

Determine discounts to get cheap Fort Collins insurance rates

Companies offering auto insurance do not list all discounts very clearly, so below is a list both well-publicized as well as some of the hidden insurance savings.Insurance discounts

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, it's just not the way it works.

A list of companies and a selection of discounts are:

Check with each company or agent to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies everywhere.

It may be expensive, but it's not optional

Despite the high cost of buying insurance for a Ford Flex in Fort Collins, paying for insurance serves a purpose in several ways.

The benefits of having insurance more than offset the price you pay, especially for larger claims. But the average American driver is overpaying over $869 every year so compare quotes from several companies at least once a year to help ensure money is not being wasted.

Get rate quotes but work with a neighborhood Fort Collins auto insurance agent

Many people would prefer to talk to an insurance agent and that can be a great decision One of the best bonuses of getting free rate quotes online is the fact that drivers can get lower rates and still choose a local agent. And supporting local agents is important particularly in Fort Collins.

Insurance agency in Fort CollinsUpon completion of this short form, the quote information gets sent to local insurance agents that give free quotes for your business. It simplifies rate comparisons since you won't have to leave your house because quoted prices will be sent directly to you. It's the lowest rates AND an agent nearby. In the event you want to compare prices from a specific insurance company, you just need to search and find their rate quote page to submit a rate quote request.

If you are searching for a good Fort Collins insurance agent, it's important to understand the types of insurance agents and how they can quote your rates. Fort Collins agents can be described as either independent agents or exclusive agents depending on their employer.

Independent Agents

Agents that elect to be independent are not locked into one company so they have the ability to put coverage amongst many companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally and the insured can keep the same agent. If you are comparing rate quotes, we recommend you compare prices from a couple of independent agencies for maximum quote selection. Most independent agents also contract with mutual insurance companies which can save you money.

The following are Fort Collins independent insurance agents that can possibly get you competitive price quotes.

View more Fort Collins agents

Exclusive Auto Insurance Agents

Agents in the exclusive channel can only write with one company such as American Family, State Farm, and AAA. Exclusive agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. They are well trained on their company's products and that can be a competitive advantage. Some insured continue to choose to use an exclusive agent partially due to high brand loyalty and solid financial strength.

Shown below is a list of exclusive insurance agencies in Fort Collins that are able to give price quotes.

View more Fort Collins agents

Picking an car insurance agent should depend on more than just a cheap price. You should also get answers to these questions.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like hospital visits, prosthetic devices, surgery and rehabilitation expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Flex.

Because many people only carry the minimum required liability limits (Colorado limits are 25/50/15), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, sideswiping another vehicle, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It's also possible to choose a higher deductible on your Flex to bring the cost down.

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against other people's claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/15 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $15,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, court costs, bail bonds and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford. Colorado requires drivers to carry at least 25/50/15 but you should consider buying higher limits.