Insurance quote for Ford Flex in ColumbiaDo you want to save money by buying lower-priced car insurance rates in Columbia, SC? Columbia drivers have options when trying to find affordable Ford Flex insurance. They can either waste time contacting agents to compare prices or leverage the internet to compare rates. There is a better way to buy car insurance and you need to know the quickest way to compare rates on a Ford and get the best price possible from Columbia insurance agents and online providers.

If you have a current car insurance policy or are looking for a new policy, follow these tips to cut your premiums without having to cut coverage. This article's goal is to help educate you on how to get online quotes and how you can save the most money. You just have to understand the quickest way to compare company rates from many companies at once.

The quickest method we recommend to compare insurance rates in your area is to realize most of the larger companies will pay a fee to compare their rates. All consumers are required to do is take a few minutes to give details such as what you do for a living, how you use your vehicles, driver ages, and whether or not you need a SR-22. That information gets transmitted to multiple companies and you receive quotes quickly.

To check rates for your Ford Flex now, click here and find out if lower rates are available in Columbia.

The companies in the list below offer free quotes in Columbia, SC. If the list has multiple companies, we suggest you compare several of them to find the lowest car insurance rates.

Ford Flex Insurance Costs in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $368 $652 $460 $28 $138 $1,646 $137
Flex SEL 2WD $232 $446 $328 $20 $98 $1,124 $94
Flex SEL AWD $176 $340 $386 $22 $116 $1,040 $87
Flex Limited 2WD $378 $524 $448 $26 $134 $1,510 $126
Flex Limited AWD $378 $524 $448 $26 $134 $1,510 $126
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Columbia which can raise or lower premiums significantly.

Auto insurance deductibles

When shopping for auto insurance, a common question is which deductible level should you buy. The figures shown below help summarize how much more you'll pay between high and low insurance deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.

Ford Flex insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $298 $444 $342 $20 $102 $1,231 $103
Flex SEL 2WD $298 $524 $342 $20 $102 $1,311 $109
Flex SEL AWD $332 $524 $342 $20 $102 $1,345 $112
Flex Limited 2WD $332 $524 $342 $20 $102 $1,345 $112
Flex Limited AWD $332 $524 $342 $20 $102 $1,345 $112
Get Your Own Custom Quote Go
Ford Flex insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $184 $280 $342 $20 $102 $928 $77
Flex SEL 2WD $184 $330 $342 $20 $102 $978 $82
Flex SEL AWD $204 $330 $342 $20 $102 $998 $83
Flex Limited 2WD $204 $330 $342 $20 $102 $998 $83
Flex Limited AWD $204 $330 $342 $20 $102 $998 $83
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific garaging location which can decrease or increase insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $28 more each month or $336 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 27 months between claims, you would probably come out ahead if you elect the higher deductible.

Car insurance just makes sense

Despite the high cost of buying insurance for a Ford Flex in Columbia, buying car insurance may be mandatory for several reasons.

The benefits of insuring your car definitely exceed the cost, particularly if you ever have a claim. Today the average American driver is overpaying more than $865 each year so it's very important to do a rate comparison at every renewal to save money.

Why Smart Consumers Pay Less for Ford Flex Insurance

Multiple criteria are taken into consideration when you quote your car insurance policy. Some are pretty understandable like your driving record, but some are more transparent such as whether you are married and annual miles driven. Smart consumers have a good feel for some of the factors that play a part in calculating your premiums. When consumers understand what influences your rates, this allows you to make good choices that can help you get lower premium levels.

Listed below are some of the most common factors used by insurance companies to determine premiums.

Cheaper rates on Ford Flex insurance in Columbia with these insurance discounts

Insurance is not inexpensive, but there's a good chance there are discounts to reduce the price significantly. Most are applied when you purchase, but some discounts are required to be asked for before they will apply.Insurance discounts

A quick disclaimer, most discounts do not apply to the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

If you would like to choose from a list of insurance companies that provide some of the discounts listed above in Columbia, follow this link.

Which is the best auto insurance?

When selecting the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are unique to you.Safe vehicles cost less to insure

For example, these questions may help you determine whether or not you might need an agent's assistance.

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form. It is quick, free and may give you better protection.

Car insurance agents are trained to help

Some people just want to talk to a local agent and doing that can be a smart decision Good insurance agents can answer important questions and help submit paperwork. A good thing about price shopping on the web is the fact that you can find the lowest rates but also keep your business local.

Insurance agents in ColumbiaUpon completion of this form (opens in new window), your insurance data is transmitted to companies in Columbia who can give free rate quotes for your coverage. It's much easier because you don't need to drive around due to the fact that quote results will go immediately to your email address. If you wish to compare rates for a specific company, don't hesitate to jump over to their website and fill out the quote form the provide.

Finding the right insurance company should include more criteria than just the premium amount. These questions are important to ask:

Quote often and quote early

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

We just presented some good ideas how to save on Ford Flex insurance in Columbia. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the most savings is with some of the smallest insurance companies.

Consumers switch companies for many reasons like poor customer service, an unsatisfactory settlement offer, not issuing a premium refund and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a new auto insurance company is actually quite simple.

More tips and info about auto insurance is available by following these links: