Trying to come up with a payment for high-priced car insurance can stress out your savings account and force you to make sacrifices. Performing a price comparison can help to make sure you're not throwing money away.

Insurance rates Ford Flex in OrlandoAstonishing but true, almost 70% of drivers in Florida have stayed with the same insurance company for more than four years, and 38% of customers have never quoted rates to find cheap coverage. Many drivers in the United States could save $859 each year just by getting comparison quotes, but they just assume it's a time-consuming process to find cheap insurance by shopping around.

Big-name insurance companies like GEICO, 21st Century and Progressive promote their brand names with ads and it can be hard to see past the corporate glitz and take the time to shop coverage around.

If you already have coverage, you will definitely be able to reduce the price you pay using the techniques presented in this article. Locating the most cost-effective insurance policy in Orlando is easy if you know what you're doing. But Florida consumers must know the way companies determine premium rates and apply this information to your search.

Affordable Ford insurance price quotes in Orlando

The companies in the list below are our best choices to provide price comparisons in Orlando, FL. To get cheap auto insurance in FL, it's a good idea that you visit as many as you can to find the lowest auto insurance rates.

Ford Flex Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $368 $596 $430 $26 $128 $1,548 $129
Flex SEL 2WD $216 $454 $542 $32 $162 $1,406 $117
Flex SEL AWD $390 $724 $542 $32 $162 $1,850 $154
Flex Limited 2WD $388 $748 $472 $28 $142 $1,778 $148
Flex Limited AWD $452 $764 $418 $24 $124 $1,782 $149
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Information does not factor in specific location which can lower or raise rates greatly.

Higher deductibles save money

When shopping for car insurance, a common question is how high should the physical damage coverage deductibles be. The rates below outline the cost difference between low and high comp and collision deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Ford Flex insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $364 $544 $418 $24 $124 $1,499 $125
Flex SEL 2WD $364 $640 $418 $24 $124 $1,595 $133
Flex SEL AWD $406 $640 $418 $24 $124 $1,637 $136
Flex Limited 2WD $406 $640 $418 $24 $124 $1,637 $136
Flex Limited AWD $406 $640 $418 $24 $124 $1,637 $136
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Ford Flex insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $224 $342 $418 $24 $124 $1,132 $94
Flex SEL 2WD $224 $402 $418 $24 $124 $1,192 $99
Flex SEL AWD $250 $402 $418 $24 $124 $1,218 $102
Flex Limited 2WD $250 $402 $418 $24 $124 $1,218 $102
Flex Limited AWD $250 $402 $418 $24 $124 $1,218 $102
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in Orlando location which can impact coverage rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $33 more each month or $396 every year than opting for the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 23 months between claims, you would save more money if you choose a higher deductible. Here is a better example of how this determination is made.

Average monthly premium for $250 deductibles: $133
Average monthly premium for $1,000 deductibles (subtract): - $100
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Policy deductible comparison

The example below highlights how deductible selection and can affect Ford Flex insurance prices for different age groups. The rate quotes are based on a married female driver, full coverage, and no discounts are applied to the premium.

Verify you're getting every discount

Auto insurance is not cheap nor is it fun to buy but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few must be asked about before being credited.

As a footnote on discounts, most discount credits are not given to the whole policy. Most only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you aren't that lucky. But any discount will positively reduce your policy cost.

The best auto insurance companies and their offered discounts are outlined below.

When getting free Orlando car insurance quotes, it's a good idea to all the companies to give you their best rates. Some discounts listed above might not be available to policyholders in every state.

Car insurance can be complex

When it comes to buying coverage for your vehicles, there really isn't a best way to insure your cars. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. These are some specific questions can aid in determining whether your personal situation might need professional guidance.

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance is available from local insurance agents

Many people prefer to get professional advice from a licensed agent and that can be a great decision An additional benefit of comparing insurance prices online is the fact that drivers can get the best rates and still choose a local agent.

Find insurance agent in OrlandoTo help locate an agent, after submitting this simple form, your insurance coverage information is emailed to companies in Orlando who want to provide 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 you. It's the lowest rates AND a local agent. If you need to get a comparison quote from a specific company, you would need to visit that company's website and fill out their quote form.

Picking the best insurer should depend on more than just a cheap price. Some important questions to ask are:

Shown below is a short list of insurance companies in Orlando willing to provide comparison quotes for Ford Flex insurance in Orlando.

National Insurance Agencies
1005 N Pine Hills Rd - Orlando, FL 32808 - (407) 480-5521 - View Map

Bud Redditt Insurance Agency Inc
1716 W Colonial Dr - Orlando, FL 32804 - (407) 855-6797 - View Map

2208 Hillcrest St - Orlando, FL 32803 - (321) 445-1117 - View Map

2507 Curry Ford Rd - Orlando, FL 32806 - (407) 898-2041 - View Map

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Can you really save if you switch?

Big name companies like State Farm, GEICO and Progressive seem to constantly run ads on television and other media. They all have a common claim that drivers will save a bundle just by moving to their company. How is it plausible that every one can charge you a lower premium? It's all in the wording.

Many companies have an ideal profile for the type of driver that earns them the most money. For example, this type of risk profile might be described as a female over age 40, has had continuous coverage, and drives a safe vehicle. Someone that meets those criteria gets the lowest car insurance rates and will probably save some money.

People who don't qualify for these criteria may receive higher premiums which results in the customer not purchasing. Company advertisements say "customers who switch" not "everybody who quotes" can save as much as they claim. That's the way companies can truthfully make those claims. Because of this risk profiling, you absolutely need to compare free Orlando car insurance quotes often. You cannot predict which auto insurance company will provide the lowest Ford Flex insurance in Orlando.

One last thing about your coverage

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many cases, someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

In this article, we covered a lot of information how to shop for Ford Flex insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable Orlando car insurance quotes. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies. They often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

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