How many times have you said it's time to compare low-cost Ford Flex insurance in Santa Ana? I doubt anyone likes having to buy auto insurance, especially knowing their premiums are too high.
It's amazing but the majority of drivers kept their coverage with the same auto insurance company for well over three years, and roughly 40% of drivers have never shopped around. Santa Ana insurance shoppers could cut their rates by nearly $500 a year, but they don't understand how simple it is to shop their coverage around. Many car insurance companies compete for your business, so it can be very hard to choose a company and get the best coverage at the lowest price on Ford Flex insurance in Santa Ana.
Consumers should take time to price shop coverage before your policy renews since insurance prices go up and down regularly. Just because you had the lowest quotes on Ford Flex insurance in Santa Ana last year there may be better deals available now. Forget all the misinformation about auto insurance because you're about to learn the best methods to lower your annual insurance bill.
If you are already insured or want to find a cheaper company, use these tips to get lower rates without reducing protection. Locating the most cost-effective insurance policy in Santa Ana can be much easier if you know how to start. You just need to learn the most efficient way to get comparison quotes from many different companies.
All major insurance companies like State Farm, Allstate and GEICO give pricing from their websites. Doing online price comparisons for Ford Flex insurance in Santa Ana doesn't take much effort as you simply type in the coverages you want on the page. Upon sending the form, their rating system will order your credit score and driving record and generates a price based on many factors. This makes it easy to compare insurance prices and it's also necessary to perform this step in order to find the best rate.
To compare pricing, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend that you enter your coverages identical to your current policy. This ensures you will receive comparison quotes for exact coverage.
The providers in the list below have been selected to offer comparison quotes in California. If multiple companies are shown, we suggest you compare several of them to find the most affordable car insurance rates.
Car insurance data for a Ford Flex
The premium information shown below highlights estimates of prices for Ford Flex models. Being aware of how prices are determined can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Flex SEL 2WD | $234 | $490 | $534 | $32 | $160 | $1,450 | $121 |
| Flex SEL AWD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
| Flex Limited 2WD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
| Flex Limited AWD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter coverage prices greatly.
Raise deductibles and save
The hardest decision when buying coverage is how high should the physical damage deductibles be. The data tables below show the rate differences of buying low and high deductibles. The first rate table uses a $250 physical damage deductible and the second price grid uses a $500 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 | $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 Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in vehicle location which can impact insurance rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible costs about $19 more each month or $228 for a full year than opting for the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 13 months between claim filings, you would probably be better off if you opt for a higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $141 |
| Average monthly premium for $500 deductibles (subtract): | - $122 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 - $250): | $250 |
| Divide difference by monthly savings: | $250 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The illustration below illustrates how choosing a deductible and can influence Ford Flex premium costs for different ages of insureds. The premiums assume a single female driver, full coverage, and no discounts are taken into consideration.
Ford Flex liability-only versus full coverage
The information below compares Ford Flex premium costs with and without full coverage. The data is based on no claims or violations, $250 deductibles, single status, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There is no clear-cut rule of when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let's assume your Ford Flex replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying your deductible. If you are paying more than $300 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some situations where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Protect more than your Flex
Even though it's not necessarily cheap to insure a Ford in Santa Ana, maintaining insurance serves several important purposes.
- Most states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your vehicle with a loan, more than likely the lender will force you to buy insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender will be forced to insure your Ford at an extremely high rate and force you to reimburse them the higher premium.
- Auto insurance protects not only your vehicle but also your assets. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses in the event you are sued. If your Ford gets damaged, comprehensive and collision coverage will pay to have it repaired.
The benefits of carrying adequate insurance greatly outweigh the cost, especially with large liability claims. The average driver in America is wasting up to $750 every year so shop around at least once a year to ensure rates are competitive.
Get More Affordable Insurance Costs by Understanding These Factors
An important part of buying insurance is that you know the different types of things that help determine the price you pay for insurance. When you know what positively or negatively controls the rates you pay, this enables informed choices that may result in much lower annual insurance costs.
Advanced alarms and GPS tracking - Buying a car with a theft deterrent system can save you a little every year. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
Liability insurance is important - Your insurance policy's liability coverage is the coverage that protects you in the event that you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage starting from day one. Liability is cheap compared to physical damage coverage, so do not skimp.
Does auto insurance cost more for males? - Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both genders are responsible for at-fault accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high insurance rates.
The example below shows the comparison of Ford Flex insurance costs for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.
Too many policy claims drive up insurance rates - Car insurance companies in California give the best rates to people who do not file claims often. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Insurance coverage is intended for more catastrophic claims.
Is your vehicle built for speed? - The performance of the car, truck or SUV you are trying to find cheaper insurance for makes a big difference in determining your rates. The lowest base rates will generally be found on small economy passenger models, but many other things help determine your insurance rates.
The following data assumes a single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It compares Ford Flex car insurance rates compared to other models that have a range of performance risks.
Decrease insurance rates by maintaining coverage - Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your insurance lapse for non-payment. Not only will rates go up, getting caught without coverage can result in fines and jail time. You may have to file a SR-22 with the California DMV.
Tickets hurt - Drivers who don't get tickets receive lower rates as compared to those with violations. Having just one speeding ticket or other violation may cause rates to rise forty percent or more. Drivers who have flagrant violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
The example below shows how violations and at-fault claims raise Ford Flex insurance rates for each age group. The premiums are based on a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Ford Flex claim data - Insurance companies factor in historical loss data to help determine the price you pay. Models that are shown to have a trend towards higher claim severity or frequency will have higher rates for specific coverages. The table below demonstrates the historical loss data for Ford Flex vehicles.
For each insurance policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Percentages below 100 indicate a favorable loss history, while values that are above 100 indicate frequent claims or larger claims.
| 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Everyone needs different car insurance coverages
When quoting and comparing adequate coverage, there really is not a best way to insure your cars. Everyone's situation is a little different.
For example, these questions can help discover whether your personal situation will benefit from professional help.
- When should I drop full coverage on my Ford Flex?
- When does my teenage driver need to be added to my policy?
- Does my medical payments coverage pay my health insurance deductible?
- Am I covered if hit by an uninsured driver?
- How much will a speeding ticket raise my rates?
- Should I buy additional glass protection?
- How does medical payments coverage work?
If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, complete this form. It's fast, free and can provide invaluable advice.
California car insurance companies
Picking a high-quality auto insurance provider is hard considering how many different insurance companies sell coverage in Santa Ana. The rank data below may help you decide which car insurance providers you want to consider when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Compare but don't skimp
You just read many ways to shop for Ford Flex insurance online. The most important thing to understand is the more you quote Santa Ana auto insurance, the more likely it is that you will get a better rate. You may even discover the best premium rates are with the smaller companies.
Consumers change insurance companies for any number of reasons including delays in paying claims, policy non-renewal, high prices or even an unsatisfactory settlement offer. It doesn't matter what your reason, finding a new auto insurance company is less work than it seems.
When you buy Santa Ana auto insurance online, don't be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
How to find low-cost Ford Flex insurance in Santa Ana
Truthfully, the best way to find low-cost prices for Ford Flex insurance is to make a habit of comparing prices annually from companies in Santa Ana. You can shop around by completing these steps.
First, gain an understanding of how auto insurance works and the modifications you can make to prevent expensive coverage. Many policy risk factors that result in higher rates such as inattentive driving and an imperfect credit history can be improved by making small lifestyle or driving habit changes.
Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can give you price quotes for a wide range of companies.
Third, compare the new quotes to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate and change companies, make sure there is no coverage gap between policies.
Fourth, tell your current company of your intention to cancel your current auto insurance policy and submit a down payment along with a completed application for the new policy. Be sure to place the new certificate of insurance along with your vehicle registration.
An essential thing to point out is to try to use the same level of coverage on every quote request and and to get price estimates from as many car insurance companies as possible. Doing this enables a fair rate comparison and the best rate selection.
For more information, feel free to visit the resources below:
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has Affordable Santa Ana Auto Insurance for Lyft Drivers? (FAQ)
- Who Has Cheap Auto Insurance for a Toyota Corolla in Santa Ana? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Quotes for a Ford Fusion? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)