Would you like an easy way to compare low-cost Ford Flex insurance in Arlington? Locating cheaper insurance for a new or used Ford Flex in Texas could be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to shop for insurance so you’re going to learn the best way to quote coverages on a Ford and locate the lowest possible price.
It’s an obvious conclusion that insurance companies don’t want you quoting rates from other companies. People who do rate comparisons are highly likely to switch to a new company because there are good odds of finding lower rate quotes. A recent insurance study revealed that drivers who compared rate quotes regularly saved an average of $850 each year compared to policyholders who never shopped around for better prices.
If finding discount rates on insurance is your goal, then understanding how to compare coverage rates can help make the process easier.
Most larger insurance companies such as GEICO, State Farm and Progressive make it easy to get coverage price quotes from their websites. Comparing Ford Flex insurance rates online doesn’t take much effort as you just enter your coverage information into a form. After you complete the form, their rating system collects information on your driving record and credit history and provides a quote based on the data you entered.
Using the web to get price quotes for Ford Flex insurance in Arlington makes comparing rates easy, and it’s absolutely necessary to get many rate quotes in order to find cheaper prices.
To compare rates using this form now, compare rates from the companies below. To compare your current rates, we recommend you complete the form with the insurance coverages identical to your current policy. This way, you will have comparison quotes based on identical coverages.
The following companies are our best choices to provide comparison quotes in Texas. To buy cheap auto insurance in Texas, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Get discounts on Arlington car insurance
Car insurance is neither fun to buy or cheap, but there may be some discounts that could drop your premiums quite a bit. Some discounts apply automatically when you get a quote, but some must be asked for before you get the savings.
- Online Discount – A few larger online companies give back up to $50 for buying your policy on your computer.
- ABS Brakes – Vehicles that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
- Home Ownership Discount – Owning a home in Arlington can save you money because it is proof of financial responsibility.
- Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% with select insurance companies.
- Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
- Smart Student Discounts – Performing well in school can earn a discount of 20% or more. Most companies allow this discount until age 25.
- Early Switch Discount – A few larger companies allow discounts for signing up prior to the expiration date on your current Flex insurance policy. You can save around 10% with this discount.
- Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Arlington and do not have a car may qualify for this discount.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more on Flex insurance in Arlington.
You should keep in mind that some of the credits will not apply to the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, car insurance companies aren’t that generous.
The illustration below compares Ford Flex insurance costs with and without discounts applied. The information is based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, safe-driver, claim-free, and marriage discounts applied.
A few companies that may offer these benefits include:
When comparing rates, check with all the companies what discounts are available to you. All car insurance discounts may not be offered in Arlington. If you would like to choose from a list of providers that offer discounts in Arlington, click this link.
Coverage analysis
The table shown next showcases detailed analysis of insurance coverage prices for Ford Flex models. Having a better understanding of how rates are established helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $358 | $580 | $388 | $24 | $116 | $1,466 | $122 |
| Flex SEL 2WD | $358 | $684 | $388 | $24 | $116 | $1,570 | $131 |
| Flex SEL AWD | $400 | $684 | $388 | $24 | $116 | $1,612 | $134 |
| Flex Limited 2WD | $400 | $684 | $388 | $24 | $116 | $1,612 | $134 |
| Flex Limited AWD | $400 | $684 | $388 | $24 | $116 | $1,612 | $134 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in Arlington location which can lower or raise price quotes substantially.
Analysis of deductible levels
One of the most common car insurance questions is how high should the deductibles for physical damage be. The figures shown below may help to conceptualize the differences in price when you select higher and lower comp and collision deductibles. The first data table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Flex SEL 2WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Flex SEL AWD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Flex Limited 2WD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Flex Limited AWD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Flex SEL 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Flex SEL AWD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Flex Limited 2WD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Flex Limited AWD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle location which can lower or raise rates greatly.
Based on the figures above, using a $250 deductible costs about $16 more each month or $192 every year across all Ford Flex models than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average more than 16 months between claims, you would probably be better off if you decide on a higher deductible.
The illustration below shows how choosing a deductible and can raise or lower Ford Flex annual premium costs for different age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
Should you buy full coverage?
The diagram below shows the difference between Ford Flex insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rates are based on no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are applied to the premium.
When to buy liability coverage only
There is no definitive guideline of when to phase out physical damage coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s pretend your Ford Flex book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying your policy deductible. If it’s costing you more than $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not advised. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.
Components of Your Ford Flex Insurance Rates
The best way to find cheaper insurance is to take a look at the factors that help determine your insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that can earn you lower premium levels. Multiple criteria are considered when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although others are more obscure such as your credit history or how financially stable you are.
The factors shown below are a few of the “ingredients” that factor into rates.
Better credit means lower rates – Credit score is a large factor in determining premium rates. Drivers who have excellent credit tend to file fewer claims than drivers who have bad credit. If your credit history leaves room for improvement, you may save money insuring your Ford Flex if you clean up your credit.
Insurance rates and driver gender – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that men are worse drivers. Both sexes tend to get into accidents at a similar rate, but men have costlier accidents. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Young males are the most expensive to insure and are penalized with high insurance rates.
The illustration below illustrates the comparison of Ford Flex car insurance rates for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $1,000 deductibles, single status, and no other discounts are factored in.
Safer vehicles cost less to insure – Cars with five star safety ratings tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and lower rates of occupant injuries means lower claim amounts which can mean better rates for you.
Premiums impacted by your city – Living in areas with lower population may provide you with better prices when insuring your vehicles. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have more aggressive driving styles and much longer commute distances. More time commuting means more chance of being in an accident.
File policy claims and pay more – If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies in Texas provide discounts to policyholders who are not frequent claim filers. Your car insurance is meant to be used in the event of larger claims.
Don’t get traffic citations – Even a single driving citation can increase rates by twenty percent. Good drivers receive lower rates than their less careful counterparts. Drivers who have severe tickets like DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state motor vehicle department in order to keep their license.
The diagram below highlights how speeding tickets and fender-benders raise Ford Flex auto insurance costs for each age group. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Lower premiums with GPS tracking and theft deterrents – Buying a car with a theft deterrent system can earn a premium discount. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
Ford Flex claim statistics – Insurers use statistical claims data to help set a rate to offset losses. Models that statistically have a trend towards higher claim severity or frequency will have increased rates. The table below demonstrates the historical loss data for Ford Flex vehicles.
For each policy coverage, the claim amount for all vehicles, without regard to make or model, is a value of 100. Values under 100 imply a favorable loss record, while percentage values above 100 point to more frequent losses or tendency to have higher losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Flex 4dr 2WD | 89 | 84 | 107 | 91 | 100 | 87 |
| Ford Flex 4dr 4WD | 105 | 84 | 119 | 77 | 79 | 75 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Compare rates but buy from a neighborhood Arlington auto insurance agent
Certain consumers still prefer to sit down with an agent and that can be a great decision Agents can help you choose the best coverages and help you file claims. A good thing about getting online price quotes is that you can obtain cheap rate quotes but still work with a licensed agent. Buying from neighborhood insurance agencies is definitely important in Arlington.
For easy comparison, once you complete this simple form, your insurance data is immediately sent to agents in your area who want to provide quotes and help you find cheaper coverage. You won’t even need to drive around since price quotes are sent immediately to your email address. If you want to compare prices from a specific insurance provider, you can always search and find their rate quote page and submit a quote form there.
Types of car insurance agents in Arlington
If you are searching for an insurance agent, it can be helpful to understand the different types of agents and how they work. Agents are considered either independent agents or exclusive agents depending on their employer. Either can sell insurance policies, but it’s important to point out the difference in the companies they write for because it can factor into the kind of agent you use.
Independent Insurance Agents (or Brokers)
Agents in the independent channel often have affiliation with several companies so they can quote policies amongst many companies and help determine which has the cheapest rates. If your premiums go up, they simply switch companies in-house and you don’t have to switch agencies. If you need lower rates, we recommend you get insurance quotes from at a minimum one independent agency to have the best price comparison. Most have the option of insuring with small mutual carriers that can offer cheaper rates than bigger companies.
Listed below is a partial list of independent agencies in Arlington that can possibly get you free insurance rate quotes.
- Trang Le Insurance Agency
2397 S Collins St – Arlington, TX 76014 – (817) 779-4849 – View Map - Sun West Insurance Agency Inc
600 Six Flags Dr #102 – Arlington, TX 76011 – (817) 261-1101 – View Map - Business Insurance Tech
1807 W Park Row Dr B – Arlington, TX 76013 – (817) 261-5571 – View Map
Exclusive Agents
Agents that choose to be exclusive normally can only provide a single company’s rates such as State Farm, AAA, and Liberty Mutual. They generally cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training on their company’s products which helps them compete with independent agents. Many people use the same exclusive agent primarily because of loyalty to the company instead of buying on price only.
The following are Arlington exclusive agencies that can give you price quotes.
- Jesus Sanchez – State Farm Insurance Agent
3330 Matlock Rd #124 – Arlington, TX 76015 – (817) 468-3338 – View Map - TJ Villarreal – State Farm Insurance Agent
851 NE Green Oaks Blvd – Arlington, TX 76006 – (817) 461-0000 – View Map - Allstate Insurance: Yvette Holguin
5800 S Collins St #124 – Arlington, TX 76018 – (817) 609-8051 – View Map
Finding a good car insurance agent requires you to look at more than just the bottom line cost. The following questions are important to ask.
- Is auto insurance their primary focus in Arlington?
- Will you work with the agent or an assistant?
- Will you get a loaner vehicle if you car is being repaired?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they assist clients in filing claims?
- How many years of experience in personal auto insurance do they have?
- Will your rates increase after a single accident?
Which car insurance company is best in Texas?
Picking the highest-rated insurer can be a challenge considering how many companies are available to choose from in Texas. The information displayed below can help you pick which coverage providers you want to consider comparing rates from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Shop around and save
There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell through local independent agents. Cheaper Ford Flex insurance in Arlington is attainable both online as well as from independent agents in Arlington, and you should compare rates from both to have the best chance of lowering rates.
People switch companies for many reasons like poor customer service, policy cancellation, an unsatisfactory settlement offer or even policy non-renewal. It doesn’t matter why you want to switch choosing a new company can be pretty painless.
When you buy Arlington car insurance online, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.
How to find cheaper quotes for Ford Flex insurance in Arlington
If you want to save the most money, the best way to find the cheapest price for Ford Flex insurance in Arlington is to regularly compare price quotes from different companies in Texas. Rate comparisons can be done by following these guidelines.
- Step 1: Try to understand the coverage provided by your policy and the measures you can take to prevent high rates. Many rating factors that result in higher prices like tickets, at-fault accidents, and a not-so-good credit score can be eliminated by making minor changes to your lifestyle.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can provide prices from multiple insurance companies. Start a quote
- Step 3: Compare the quotes to your current policy premium to see if a cheaper price is available. If you find better rates and change companies, ensure coverage does not lapse between policies.
- Step 4: Provide notification to your current company to cancel your current car insurance policy. Submit the completed application along with a down payment to the new insurer. As soon as coverage is bound, keep your new proof of insurance paperwork in your glove compartment.
An important note is to make sure you’re comparing identical deductibles and limits on every quote request and and to compare as many companies as possible. This enables a level playing field and the best rate selection.
For more information, link through to the articles below:
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has the Cheapest Arlington Car Insurance for a Hyundai Sonata? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Ford Focus in Arlington? (FAQ)
- Who Has the Cheapest Auto Insurance for Infrequent Drivers in Arlington? (FAQ)
- Who Has Affordable Car Insurance Rates for Postal Workers in Arlington? (FAQ)
- Who Has Affordable Arlington Auto Insurance Rates for a Toyota Camry? (FAQ)
- Who Has Affordable Auto Insurance Quotes for High Risk Drivers in Arlington? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Nissan Rogue in Arlington? (FAQ)
- Who Has the Cheapest Arlington Car Insurance Rates for Electric Cars? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)