If shopping for Irvine auto insurance quotes online is new to you, chances are good that you are confused thanks to the vast number of local and online companies that all promise to save you money.
Inconceivable but true, nearly 70% of customers have bought auto insurance from the same company for at least four years, and about 40% of consumers have never compared rates from other carriers. With the average auto insurance premium being $1,847, U.S. drivers can cut their rates by 47% a year by just comparing rate quotes, but they don’t invest the time required to find affordable insurance by shopping around.
Smart consumers take time to compare rates occasionally because auto insurance rates change regularly. Even if you think you had the best deal on Ford Flex insurance in Irvine a couple years back a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to get good coverage on Ford Flex insurance in Irvine at a lower rate.
Insurance rates and discounts
Properly insuring your vehicles can get expensive, but there may be some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be asked about before you will receive the discount.
- Telematics Discount – Irvine drivers who agree to allow their insurance company to scrutinize driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they are good drivers.
- Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
- Resident Student – Older children who are attending college and do not have a car may be insured at a cheaper rate.
- Discounts for Responsible Drivers – Safe drivers can pay as much as 50% less compared to accident prone drivers.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 25 to 30%.
- Professional Organizations – Belonging to a civic or occupational organization in Irvine is a simple method to lower premiums when getting a Irvine auto insurance quote.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you lower prices if you buy some life insurance in addition to your auto policy.
- Discount for Low Mileage – Maintaining low annual mileage may allow you to get better rates on cars that stay parked.
- Defensive Driver Discount – Taking a course in defensive driving may get you a small discount if your company offers it.
Consumers should know that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will definitely reduce your insurance premiums.
The example below shows the difference between Ford Flex car insurance costs with and without discounts. The costs are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-car, claim-free, and multi-policy discounts applied.
Some of the insurance companies that possibly offer some of the discounts shown above possibly include:
When comparing rates, check with each insurance company to apply every possible discount. Some of the earlier mentioned discounts might not be offered on policies in every state. For a list of insurance companies who offer cheap Ford Flex insurance quotes in California, click here to view.
The method we recommend to compare rates for Ford Flex insurance in Irvine is to know most insurance companies allow for online access to quote your coverage. The only thing you need to do is provide a small amount of information such as the type of vehicles you drive, if you require a SR-22, if the car is leased, and level of coverage desired. That rating data is submitted instantly to multiple car insurance providers and they provide comparison quotes quickly.
To check rates for your Ford Flex now, click here and complete the quick form.
The companies shown below can provide free rate quotes in Irvine, CA. In order to find cheap auto insurance in Irvine, CA, it’s a good idea that you click on several of them to get a more complete price comparison.
Rate information and statistics
The table displayed next outlines a range of prices for Ford Flex models. Learning a little about how insurance prices are figured can help customers make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Flex SEL 2WD | $370 | $792 | $500 | $30 | $150 | $1,842 | $154 |
| Flex SEL AWD | $412 | $792 | $500 | $30 | $150 | $1,884 | $157 |
| Flex Limited 2WD | $412 | $792 | $500 | $30 | $150 | $1,884 | $157 |
| Flex Limited AWD | $412 | $792 | $500 | $30 | $150 | $1,884 | $157 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can change premium rates greatly.
Physical damage deductible comparison
One of the more difficult decisions when buying car insurance is how high should your deductibles be. The premium rates below determine the rate difference when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Flex SEL 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Flex SEL AWD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Flex Limited 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Flex Limited AWD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Flex SEL 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Flex SEL AWD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Flex Limited 2WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Flex Limited AWD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in specific zip code location which can raise or lower insurance rates significantly.
Based on this data, using a $250 deductible will cost you approximately $35 more each month or $420 annually than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 21 months between claim filings, you would save money if you decide on a higher deductible.
The chart below demonstrates how choosing different deductibles and can impact Ford Flex annual premium costs for each different age group. The premiums assume a single male driver, full coverage, and no discounts are applied.
Comparison of car insurance rates by gender and age
The information below shows the difference between Ford Flex insurance prices for male and female drivers. The premium estimates are based on no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no policy discounts are applied.
Ford Flex full coverage rates compared to liability only
The diagram below visualizes the comparison of Ford Flex yearly insurance costs with full coverage and liability only. The costs are based on a clean driving record, no claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Guidelines for dropping full coverage
There is no definitive formula to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Ford Flex claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after paying your policy deductible. If it’s costing you more than $600 a year to have full coverage, then it might be time to buy liability only.
There are some situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.
Your situation helps dictate your coverage
When quoting and comparing adequate coverage, there really isn’t a one size fits all plan. Each situation is unique so this has to be addressed.
For example, these questions might point out if you might need professional guidance.
- Do I have any recourse if my insurance company denies a claim?
- How much will a speeding ticket raise my rates?
- Is business property covered if stolen from my car?
- Is my Ford Flex covered if I use it for business?
- Do they offer discounts for home and auto coverage?
- Should I buy more coverage than the required California minimum liability coverage?
- Do I need medical payments coverage since I have good health insurance?
- When would I need rental car insurance?
- How can I get the company to pay a claim?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.
Are insurance agents a thing of the past?
Some consumers would prefer to buy from a licensed agent and that can be a smart move The best thing about price shopping on the web is that drivers can save money and get the best rates but also keep your business local. And supporting local insurance agents is important especially in Irvine.
Once you complete this quick form, your information is emailed to companies in Irvine who will give you quotes to get your business. You don’t have to leave your computer because prices are sent to you. You can find lower rates without requiring a lot of work. If you want to get a rate quote from a particular provider, you would need to visit that company’s website and fill out the quote form the provide.
Finding the right insurer is decision based upon more than just the premium amount. Before buying a policy in Irvine, get answers to these questions.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is coverage determined by price?
- Do the companies they represent have a solid financial rating?
- What insurance companies do they work with in Irvine?
- How long have they worked with personal auto insurance coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Shop smart and save
Cost effective Ford Flex insurance can be found online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies do not provide price quotes online and many times these regional insurance providers only sell coverage through local independent agencies.
In this article, we covered many ideas to lower your Ford Flex insurance rates in Irvine. It’s most important to understand that the more companies you get car insurance rates for, the higher your chance of finding affordable Ford Flex insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. They may only write in your state and offer lower car insurance rates compared to the large companies like Allstate, GEICO and Progressive.
How to save money on Ford Flex insurance in Irvine
The easiest way to save money on Ford Flex insurance is to start doing a yearly price comparison from insurers who sell insurance in Irvine.
- Read and learn about how insurance companies determine prices and the measures you can control to keep rates down. Many factors that cause rate increases like traffic violations and a not-so-good credit history can be controlled by making minor changes in your lifestyle.
- Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while agents who are independent can quote prices from multiple sources.
- Compare the price quotes to your existing coverage to see if cheaper Flex coverage is available in Irvine. If you find better rates and change companies, make sure there is no lapse in coverage.
One thing to point out is to make sure you enter similar deductibles and liability limits on each price quote and and to get price quotes from as many different insurance providers as possible. Doing this ensures an apples-to-apples comparison and the best price quote selection.
More information can be found at these links:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has Affordable Irvine Auto Insurance for a Kia Forte? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Shopping for a Safe Car (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)