Ford Flex Insurance Quotes in Los Angeles

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Insurance rates Ford Flex in Los AngelesLocating the cheapest insurance for your Ford Flex in California could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find auto insurance online so you're going to learn the absolute fastest way to price shop coverage on a Ford and find the best price possible either online or from Los Angeles insurance agents.

Comparing quotes for affordable coverage in Los Angeles is actually quite simple. If you already have coverage or just want cheaper coverage, you can use these techniques to lower your rates without reducing coverage. Vehicle owners just need to understand the proper way to compare insurance rates over the internet.

Low Cost auto insurance in Los Angeles, CA

The companies shown below have been selected to offer quotes in Los Angeles, CA. If multiple companies are shown, we recommend you click on several of them to get the most competitive price.

Ford Flex insurance analysis

The coverage information displayed below covers detailed analysis of prices for Ford Flex models. Understanding more about how policy rates are figured helps drivers make smart choices when selecting a policy.

Ford Flex Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $314 $464 $442 $26 $132 $1,378 $115
Flex SEL 2WD $314 $546 $442 $26 $132 $1,460 $122
Flex SEL AWD $348 $546 $442 $26 $132 $1,494 $125
Flex Limited 2WD $348 $546 $442 $26 $132 $1,494 $125
Flex Limited AWD $348 $546 $442 $26 $132 $1,494 $125
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in specific Los Angeles garaging location which can alter auto insurance rates significantly.

Analysis of deductible levels

The hardest decision when buying coverage is how high should your deductibles be. The following tables lay out the price difference when you buy lower versus higher physical damage deductibles. The first pricing table uses a $100 deductible and the second rate chart uses a $500 deductible.

Ford Flex insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $430 $686 $442 $26 $132 $1,741 $145
Flex SEL 2WD $430 $810 $442 $26 $132 $1,865 $155
Flex SEL AWD $478 $810 $442 $26 $132 $1,913 $159
Flex Limited 2WD $478 $810 $442 $26 $132 $1,913 $159
Flex Limited AWD $478 $810 $442 $26 $132 $1,913 $159
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Ford Flex insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $314 $464 $442 $26 $132 $1,378 $115
Flex SEL 2WD $314 $546 $442 $26 $132 $1,460 $122
Flex SEL AWD $348 $546 $442 $26 $132 $1,494 $125
Flex Limited 2WD $348 $546 $442 $26 $132 $1,494 $125
Flex Limited AWD $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Customized Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in vehicle location which can impact premium rates noticeably.

Based on the data above, we can derive that using a $100 deductible costs an average of $33 more each month or $396 for a full year averaged for all Flex models than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 12 months between claims, you would come out ahead going with the higher deductible.

The example below highlights how deductible selection and can impact Ford Flex insurance rates for different age groups of insureds. Data assumes a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Yearly insurance costs for men versus women

The information below shows the difference between Ford Flex annual premium costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Get cheaper Ford Flex insurance rates in Los Angeles

Insurance is neither fun to buy or cheap, but you may find discounts that may help make it more affordable. A few discounts will be applied when you quote, but some may not be applied and must be asked for prior to getting the savings.

  • Responsible Driver Discounts - Insureds without accidents can pay as much as 50% less than drivers with accident claims.
  • Senior Citizens - Mature drivers can get lower premium rates.
  • Bundled Policy Discount - If you insure your home and vehicles with the same insurance company you could save as much as 10 to 15 percent.
  • Air Bag Discount - Cars that have air bags may get savings up to 30%.
  • Defensive Driving Course - Passing a defensive driver class could earn you a small percentage discount depending on where you live.
  • Seat Belt Usage - Drivers who require all occupants to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Claim Free - Insureds with no claims or accidents pay much less compared to policyholders that have many claims.

One thing to note about discounts is that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free insurance policy, companies don't profit that way.

The example below shows the comparison of Ford Flex yearly insurance costs with and without discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, homeowner, and safe-driver discounts applied.

Companies who might offer most of these discounts may include but are not limited to:

Before purchasing a policy, check with every company which credits you are entitled to. A few discounts might not apply in Los Angeles. If you would like to view insurers with discount rates in Los Angeles, click here.

Car insurance agents near you

A lot of people would rather visit with an insurance agent and that is a personal choice. Experienced insurance agents are trained to spot inefficiencies and help file insurance claims. A nice benefit of getting free rate quotes online is the fact that you can find lower rates and still buy from a local agent. Supporting local insurance agents is definitely important in Los Angeles.

Insurance agents in Los AngelesTo help locate an agent, after submitting this quick form, the coverage information is transmitted to local insurance agents in Los Angeles that give free quotes to get your business. It's much easier because you don't need to find an agent on your own because quoted prices will be sent to your email. If you want to compare rates for a specific company, don't hesitate to find their quoting web page to submit a rate quote request.

Exclusive or Independent: There is a difference

If you are wanting to purchase auto insurance from a reputable agency, it's important to understand the different agency structures that differ in how they can insure your vehicles. Insurance agencies in Los Angeles can be described as either independent or exclusive. Both can write auto insurance policies, but it's important to point out how they differ because it can impact the type of agent you choose.

Independent Agencies or Brokers

Agents in the independent channel do not sell for just one brand and that enables them to quote your coverage with lots of companies enabling the ability to shop coverage around. If they find a cheaper price, your policy is moved internally which makes it simple for you. If you are trying to find cheaper rates, we recommend you include rate quotes from several independent insurance agents for maximum quote selection. Many write coverage with small regional insurance companies that can offer cheaper rates than bigger companies.

Featured below are Los Angeles independent insurance agencies who may provide free price quotes.

View more Los Angeles agents

Exclusive Auto Insurance Agencies

Exclusive insurance agents normally can only provide a single company's rates and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive agencies receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point. Consumers often buy from the same agent for years partially due to the brand and solid financial strength.

Below is a list of exclusive agencies in Los Angeles that can give you rate quotes.

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Finding the right car insurance agent should include more criteria than just a low price. The questions below may impact your decision as well.

  • What are their preferred companies if they are an independent agency?
  • Is working in the agency their full-time job?
  • How much training do they have in personal risk management?
  • Do the companies they represent have a solid financial rating?
  • Does the agent recommend any additional coverage?
  • Does their agency support local causes in Los Angeles?

What is YOUR best insurance company?

You just learned a lot of ways to compare Ford Flex insurance rates in Los Angeles. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with a lesser-known regional company.

While you're price shopping online, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at the best cost while still protecting your assets.

Consumers leave their current company for a number of reasons such as not issuing a premium refund, denial of a claim, policy non-renewal and an unsatisfactory settlement offer. No matter why you want to switch, switching car insurance companies is pretty easy and you might even save some money in the process.

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