Compare Ford Flex Insurance Rate Quotes in Lubbock

Searching for better insurance prices for a new or used Ford Flex in Texas can be difficult, but you can use the following methods and make it easy. There is a better way to shop for car insurance so we’re going to tell you the quickest way to get price quotes on a Ford and locate the lowest possible price from Lubbock insurance agents and online providers.

Finding the cheapest coverage in Lubbock is really not that difficult. If you have a policy now or just want cheaper coverage, use these techniques to shop for the lowest rates and still have adequate protection. Vehicle owners just have to use the best way to shop for insurance online.

The auto insurance companies shown below are ready to provide price quotes in Lubbock, TX. If you want to find cheap auto insurance in Texas, we suggest you visit several of them to get the lowest price.

Insurance is not optional

Despite the high insurance cost for a Ford Flex in Lubbock, insuring your vehicle may be mandatory for several reasons.

• The majority of states have mandatory insurance requirements which means state laws require a specific level of liability insurance if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Flex, most banks will require you to have physical damage coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Ford at a much higher rate and require you to pay the higher price.
• Insurance safeguards both your vehicle and your personal assets. Insurance will pay for many types of medical costs incurred in an accident. Liability insurance, one of your policy coverages, also covers legal expenses in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of carrying enough insurance outweigh the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver overpays as much as $700 annually so it’s recommended you shop around at every renewal to ensure rates are competitive.

Detailed insurance information

The premium information displayed below highlights estimates of insurance premium costs for Ford Flex models. Being able to understand how auto insurance premiums are figured can help guide drivers when making informed decisions when shopping around for a new policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in your specific Lubbock location which can impact premium rates noticeably.

An analysis of deductible level

A question often asked by Lubbock drivers is how high should the deductibles for physical damage be. The premium rates below determine the cost difference between low and high deductibles. The first table uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in Lubbock location which can change rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $31 more each month or $372 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 24 months between claims, you would probably come out ahead if you choose the higher deductible.

The illustration below demonstrates how deductibles and can increase or decrease Ford Flex insurance costs for different categories of driver ages. The costs are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

Impact of speeding/accidents on insurance rates

The illustration below demonstrates how traffic citations and accidents can influence Ford Flex insurance premiums for different insured age categories. The information is based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Do you need full coverage?

The illustration below visualizes the comparison of Ford Flex insurance prices with and without full coverage. The premiums assume no claims or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

When to drop comp and collision

There is no definitive guideline of when to phase out full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s say your Ford Flex settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after the policy deductible has been paid. If premium cost is more than $400 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.

Lubbock insurance discounts

Some insurance providers don’t list their entire list of discounts very well, so we researched both the well known as well as some of the hidden discounts that you may qualify for.

• Defensive Driver Discount – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Discounts for Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
• Accident Waiver – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims prior to the accident.
• Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
• Bundled Policy Discount – If you have multiple policies with the same company you may earn over 10 percent off each policy depending on the company.
• Driving Data Discount – Insureds that choose to allow their company to monitor driving patterns by installing a telematics device such as Progressive’s Snapshot might get better premium rates as long as they are good drivers.
• Good Grades Discount – A discount for being a good student may save you up to 25%. You can use this discount normally until age 25.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck. Any amount of discount should help lower the cost of coverage.

The information below shows the comparison of Ford Flex insurance prices with and without discounts. The data assumes a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, safe-driver, and homeowner discounts applied.

A list of insurance companies and some of their more popular discounts can be found below.

• State Farm includes discounts for defensive driving training, Steer Clear safe driver discount, multiple autos, Drive Safe & Save, and student away at school.
• Farmers Insurance offers discounts including electronic funds transfer, multi-car, pay in full, bundle discounts, and switch companies.
• GEICO has discounts for defensive driver, daytime running lights, five-year accident-free, air bags, and seat belt use.
• American Family may include discounts for Steer into Savings, defensive driver, early bird, good student, good driver, air bags, and accident-free.
• Nationwide offers premium reductions for anti-theft, easy pay, defensive driving, business or organization, good student, and Farm Bureau membership.
• Progressive may offer discounts for multi-vehicle, multi-policy, online quote discount, online signing, continuous coverage, and homeowner.

It’s a good idea to ask all companies you are considering which discounts they offer. Some of the earlier mentioned discounts might not be offered in every state. To find providers that offer some of these discounts in Texas, click this link.

Insurance agencies can help

Many drivers just prefer to talk to a local agent and that is just fine! Good agents are trained to spot inefficiencies and help submit paperwork. A nice benefit of comparing insurance prices online is you can get cheaper car insurance rates and still have a local agent.

After completing this quick form, the quote information is immediately sent to companies in Lubbock that provide free Lubbock auto insurance 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 the email address you provide. If you want to compare rates from a particular provider, you can always jump over to their website to submit a rate quote request.

Picking an insurer shouldn’t rely on just a cheap price quote. Here are some questions you might want to ask.

• Are they in the agency full-time?
• When do they do a full risk review?
• Does the agency have a current Errors and Omissions policy?
• Has the agent ever had any license suspensions?
• How long has the business existed?

The following are Lubbock insurance companies willing to provide price quote information for Ford Flex insurance in Lubbock.

• Peter Griffith – State Farm Insurance Agent
  409 Frankford Ave – Lubbock, TX 79416 – (806) 785-4456 – View Map
• Roddy Simmons Jr – State Farm Insurance Agent
  2124 34th St – Lubbock, TX 79411 – (806) 747-5759 – View Map
• Shamburger Agency
  12215 Quaker Ave – Lubbock, TX 79424 – (806) 783-8959 – View Map
• Holmes/Bednarz Insurance Agency
  5717 66th St #110 – Lubbock, TX 79424 – (806) 748-5453 – View Map

View more Lubbock agents

Which policy gives me the best coverage?

When choosing the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions may help you determine whether or not you might need professional guidance.

• Is my Ford Flex covered if I use it for business?
• Who is covered by my policy?
• Am I covered while delivering pizza?
• Is pet coverage available?
• Am I covered when driving a rental car?
• Should I file a claim if it’s only slightly more than my deductible?
• What is an umbrella policy?
• Are rental cars covered under my policy?
• Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Affordable auto insurance is out there

Drivers switch companies for any number of reasons including poor customer service, extreme rates for teen drivers, an unsatisfactory settlement offer and not issuing a premium refund. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

We just covered some good ideas how to lower your Ford Flex insurance premium rates in Lubbock. The most important thing to understand is the more providers you compare, the higher your chance of finding cheaper Lubbock auto insurance quotes. Consumers may even find the most savings is with a small mutual company.

How to save on Ford Flex insurance in Lubbock

If you want to find the absolute lowest rates, then the best way to find cheaper quotes for Ford Flex insurance in Lubbock is to annually compare prices from different companies that sell auto insurance in Texas. This can be done by following these guidelines.

• First, spend a few minutes and learn about how companies price auto insurance and the measures you can control to keep rates in check. Many things that increase rates such as traffic citations and a negative credit history can be controlled by making minor changes to your lifestyle.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agents can give you price quotes for a wide range of companies. Compare rates now
• Third, compare the new rate quotes to your current policy to see if a cheaper price is available in Lubbock. If you can save money and decide to switch, verify that coverage does not lapse between policies.

One piece of advice is to make sure you’re comparing the same level of coverage on every price quote and to quote with as many companies as feasibly possible. This enables an apples-to-apples comparison and many rates to choose from.

Additional auto insurance information is available at the links below

• Older Driver Statistics (Insurance Information Institute)
• Who Has the Cheapest Car Insurance Rates for Drivers Over Age 50 in Lubbock? (FAQ)
• How Much is Lubbock Auto Insurance for a Chevrolet Equinox? (FAQ)
• Neck Injury FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)