Want to learn a better way to compare lower-priced Ford Flex insurance in Aurora? Purchasing discount Aurora Ford Flex insurance quotes might seem somewhat intimidating for consumers new to quoting and buying their insurance on the web. Since there are so many online companies, how are we expected to have time to compare every company to locate the best available rates?
Astonishing but true according to a recent study, the vast majority of consumers have been with the same company for four years or more, and just under half have never even shopped around for cheaper coverage. The average driver in Aurora could save themselves up to 35% a year by just comparing rate quotes, but they underestimate how much savings they would realize if they moved their coverage to a different company.
Obtaining price quotes for the lowest-priced policy in Aurora is not as time-consuming as you think. Virtually every driver who quotes auto insurance will most likely be able to find lower rates. But Colorado drivers need to learn the way companies sell online because rates fluctuate considerably.
Affordable companies for Ford Flex insurance
The companies shown below are our best choices to provide price quotes in Colorado. If multiple companies are listed, we recommend you compare several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Flex SE 2WD||$162||$296||$396||$24||$118||$996||$83|
|Flex SEL 2WD||$210||$416||$474||$28||$142||$1,270||$106|
|Flex SEL AWD||$216||$370||$338||$20||$100||$1,044||$87|
|Flex Limited 2WD||$316||$434||$460||$28||$138||$1,376||$115|
|Flex Limited AWD||$182||$332||$368||$22||$110||$1,014||$85|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific location which can revise prices significantly.
Price comparison of only insuring for liability
The example below illustrates the difference between Ford Flex insurance premiums when comparing full coverage to liability only. The information is based on no tickets, no at-fault accidents, $500 deductibles, married male driver, and no other discounts are factored in.
Should you pay for full coverage?
There is no set rule of when to exclude full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let's assume your Ford Flex book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after you pay the deductible. If it's costing in excess of $400 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few situations where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Rate comparison for different deductibles
The chart below highlights how deductible choice and can raise or lower Ford Flex premium costs for each different age category. The data assumes a married female driver, comp and collision included, and no discounts are applied.
Responsible drivers pay cheaper auto insurance rates
The diagram below illustrates how traffic citations and at-fault claims can raise Ford Flex car insurance costs for each age group. The information is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Get affordable Ford Flex insurance in Aurora with discounts
Car insurance is neither fun to buy or cheap, but you can get discounts that you may not even know about. Some discounts will apply at the time of purchase, but a few must be inquired about prior to receiving the credit.
- Driver's Ed - Teen drivers should participate in a local driver's education class as it can save substantially.
- No Claim Discounts - Insureds with no claims or accidents can save substantially in comparison with drivers with a long claim history.
- Multiple Cars - Drivers who insure multiple vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
- Employee of Federal Government - Having worked for a branch of the government could cut as much as 10% off with a few car insurance companies.
- Responsible Drivers - Safe drivers can get discounts for up to 45% lower rates than less cautious drivers.
- Full Payment Discount - If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.
- Auto/Life Discount - Some insurance carriers give better premium rates if you take out some life insurance too.
- Switch and Save Discount - A few insurance companies offer discounts for buying a policy prior to your current Flex insurance policy expiration. It can save you around 10%.
- Good Students Pay Less - A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
- Telematics Devices - Drivers that enable their car insurance company to analyze driving habits by using a small device installed in their vehicle such as Progressive's Snapshot and State Farm's In-Drive may see discounts as long as the data is positive.
You can save money using discounts, but most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears it's possible to get free car insurance, nobody gets a free ride. But any discount should help lower your overall bill.
If you would like to view car insurance companies with significant discounts in Colorado, follow this link.
When do I need an agent's advice?
When quoting and choosing a policy, there isn't really a "perfect" insurance plan. Your situation is unique.
These are some specific questions might point out whether you would benefit from professional advice.
- What if I total my Ford Flex and owe more than it's worth?
- Will my insurance pay for OEM parts?
- I have a DUI can I still get coverage?
- Am I covered if I hit someone who is not insured?
- Can I make deliveries for my home business?
- Do I pay less for low miles?
- Is my Ford Flex covered if I use it for business?
- Are my custom wheels covered?
If you're not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.
Local insurance agents
A lot of people would rather get professional advice from a licensed agent and doing so can bring peace of mind A nice benefit of comparing insurance prices online is you can get cheaper premium rates but still work with a licensed agent. Buying from and supporting local insurance agencies is especially important in Aurora.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is instantly submitted to companies in Aurora who will give you bids for your insurance coverage. There is no reason to even leave your home because prices are sent instantly to you. You can find better rates without the usual hassles of price shopping. In the event you want to get a rate quote from a specific insurance company, feel free to find their quoting web page and complete a quote there.
If you need to find local Aurora agents, you need to know there are two different agency structures and how they can write your policy. Agents in Aurora are either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies or Brokers
Agents that elect to be independent often have many company appointments and that gives them the ability to insure amongst many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your policy is moved internally which is easy for the insured. When comparison shopping, you will want to include rate quotes from a couple of independent agencies for the best price selection. They often place coverage with companies you've never heard of which may have better rates.
Listed below is a list of independent insurance agents in Aurora that can possibly get you free price quotes.
- A All City Auto Insurance
9720 E Colfax Ave - Aurora, CO 80010 - (303) 364-0555 - View Map
- A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map
- All Drivers Insurance
12142 E Mississippi Ave - Aurora, CO 80012 - (303) 695-1000 - View Map
Exclusive Car Insurance Agencies
Agents of this type normally can only provide a single company's rates and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their company's products which can be an advantage. Consumers often purchase coverage from exclusives mainly due to the brand name rather than low rates.
The following are Aurora exclusive insurance agencies that are able to give comparison quotes.
- Bob Massie - State Farm Insurance Agent
15290 E 6th Ave #220 - Aurora, CO 80011 - (303) 364-8298 - View Map
- Mark Vissering - State Farm Insurance Agent
1852 S Havana St - Aurora, CO 80012 - (303) 745-0034 - View Map
- Robbie Wright - State Farm Insurance Agent
3091 S Jamaica Ct #130 - Aurora, CO 80014 - (303) 597-1997 - View Map
Finding a good insurance agent should include more criteria than just a cheap quote. Agents should be asked these questions:
- Are they in the agency full-time?
- Are they involved in claim handling?
- What are their preferred companies if they are an independent agency?
- Can glass claims be handled at your home?
- Are there any discounts that you might be missing?
- How are they compensated?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What company holds the largest book of business for them?
Specific coverages for a Ford Flex
Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as hospital visits, pain medications, prosthetic devices, dental work and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Coverage for collisions
Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible on your Flex to save money on collision insurance.
Comprehensive or Other Than Collision
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as vandalism, hitting a deer, theft and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle's damage.
Due to the fact that many Colorado drivers only carry the minimum required liability limits (25/50/15 in Colorado), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.
This provides protection from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/15 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $15,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers claims like medical expenses, emergency aid, bail bonds, repair bills for other people's vehicles and court costs. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase higher limits if possible. Colorado state minimum liability requirements are 25/50/15 but drivers should carry more liability than the minimum.
The most affordable rates come from being thorough
People who switch companies do it for many reasons like delays in paying claims, delays in responding to claim requests, questionable increases in premium and even an unsatisfactory settlement offer. It doesn't matter what your reason, finding a new insurance company can be easy and end up saving you some money.
We just covered a lot of tips how to lower your Ford Flex insurance rates in Aurora. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the lowest rates are with a small mutual company.
More affordable insurance in Aurora is available both online as well as from independent agents in Aurora, so you should compare both to have the best selection. Some insurance companies may not offer rates over the internet and usually these regional carriers provide coverage only through local independent agents.
- Car Insurance FAQ (Trusted Choice)
- Who Has Affordable Colorado Auto Insurance for a Honda Accord? (FAQ)
- How Much are Colorado Auto Insurance Quotes for College Graduates? (FAQ)
- What Auto Insurance is Cheapest for Single Moms in Colorado? (FAQ)
- What Auto Insurance is Cheapest in Parker, Colorado? (FAQ)
- Who Has Affordable Auto Insurance Rates for a GMC Sierra in Colorado? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Car Insurance: When not to Skimp (BankRate.com)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)