Cheapest Insurance for a Ford Flex in Laredo

Discount Ford Flex insuranceIf saving money is your primary concern, then the best way to get more affordable Ford Flex insurance is to do a yearly price comparison from companies in Laredo. Rate comparisons can be done by following these steps.

Step 1: Read about how insurance works and the factors you can control to prevent expensive coverage. Many factors that cause rate increases such as speeding tickets, careless driving and an unacceptable credit score can be rectified 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 give prices from one company like Progressive or State Farm, while agents who are independent can quote prices from many different companies. Find a Laredo insurance agent

Step 3: Compare the new quotes to your existing policy and see if you can save money. If you can save some money, ensure there is no coverage lapse between policies.

Step 4: Notify your current company of your intention to cancel the current policy. Submit a signed application and payment to your new company or agent. As soon as you receive it, put the certificate verifying proof of insurance with your registration paperwork.

A good tip to remember is that you’ll want to make sure you compare similar deductibles and liability limits on every quote and and to get price quotes from every company you can. This guarantees a fair rate comparison and a thorough price selection.

It’s hard to believe, but about 70% of customers have purchased from the same company for a minimum of four years, and nearly the majority have never quoted rates to find affordable coverage. U.S. drivers can save hundreds of dollars each year by just shopping around, but they don’t understand how simple it is to shop around.

When comparison shopping, there are several ways to compare quotes from many different Texas insurance companies. The best method to comparison shop is to perform an online rate comparison.

Comparing price quotes online is fast and free, and it replaces the need to actually drive to and from local Laredo insurance agencies. The ability to quote Ford Flex insurance online makes this process obsolete unless your situation requires the professional assistance of a local Laredo agent. It is possible to get the lowest quotes online but still have the advice of a local agent. Just remember that having more price comparisons helps locate the best price. Not every company provides online Laredo Flex insurance quotes, so it’s important to also get price estimates from the smaller companies as well.

The auto insurance companies shown below offer free quotes in Laredo, TX. In order to find the best cheap car insurance in TX, we recommend you get price quotes from several of them in order to find the lowest rates.

Car insurance analysis for a Ford Flex

The information below covers estimates of insurance coverage prices for Ford Flex models. Being more informed about how insurance policy premiums are figured can help drivers make smart choices when comparing insurance rates.

Ford Flex Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $286 $512 $430 $26 $128 $1,382 $115
Flex SEL 2WD $286 $602 $430 $26 $128 $1,472 $123
Flex SEL AWD $318 $602 $430 $26 $128 $1,504 $125
Flex Limited 2WD $318 $602 $430 $26 $128 $1,504 $125
Flex Limited AWD $318 $602 $430 $26 $128 $1,504 $125
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in Laredo location which can lower or raise premiums noticeably.

Higher deductibles save money

The hardest decision when buying coverage is where to set your physical damage deductibles. The tables below sum up the rate difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Ford Flex insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $370 $592 $382 $22 $114 $1,505 $125
Flex SEL 2WD $370 $698 $382 $22 $114 $1,611 $134
Flex SEL AWD $412 $698 $382 $22 $114 $1,653 $138
Flex Limited 2WD $412 $698 $382 $22 $114 $1,653 $138
Flex Limited AWD $412 $698 $382 $22 $114 $1,653 $138
Get Your Own Custom Quote Go

Ford Flex insurance rates with $500 deductibles
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

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can decrease or increase insurance rates noticeably.

Based on this data, using a $100 deductible would cost the average driver about $29 more each month or $348 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 14 months between claim filings, you would save money if you elect the higher deductible.

The diagram below highlights how deductible choice and can influence Ford Flex annual premium costs for each age group. The prices are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Tickets and at-fault accidents raise rates

The diagram below shows how traffic citations and at-fault fender-benders influence Ford Flex auto insurance rates for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Exclusive versus independent insurance agents

A lot of people still prefer to sit down with an agent and often times that is recommended One of the benefits of comparing rate quotes online is the fact that drivers can get cheaper car insurance rates and still have an agent to talk to.

Insurance agents in LaredoAfter completing this simple form, the quote information is submitted to participating agents in Laredo who will give you quotes to get your business. It’s much easier because you don’t need to leave your house because quoted prices will be sent immediately to your email address. You can find better rates without having to waste a lot of time. If you want to get a price quote from a specific insurance company, don’t hesitate to navigate to their website and fill out the quote form the provide.

Deciding on an company should include more criteria than just the bottom line cost. The answers to these questions are important, too.

If you want to buy auto insurance from a reliable agent, it can be helpful to understand the different agency structures and how they can service your needs differently. Agents in Laredo are categorized either independent agents or exclusive agents.

Exclusive Agencies

Exclusive agents normally can only provide a single company’s rates and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot compare other company’s rates so they have to upsell other benefits. Exclusive agents are very knowledgeable on what they offer which aids in selling service over price.

Below are exclusive agencies in Laredo willing to provide comparison quotes.

5411 McPherson Rd #101Laredo, TX 78041(956) 726-1906View Map

3802 TX-359 Ste 5Laredo, TX 78043(956) 729-8884View Map

502 W Calton Rd #104Laredo, TX 78041(956) 726-0547View Map

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Independent Agents

Agents that choose to be independent often have affiliation with several companies so they can insure your vehicles with any number of different companies and get the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house which makes it simple for you. When comparing rates, we recommend you include rate quotes from at a minimum one independent agency so that you can do a thorough price comparison.

Listed below are independent insurance agencies in Laredo that are able to give comparison quotes.

South Texas Insurance
4815 San Bernardo AveLaredo, TX 78041(956) 729-1010View Map

7718 McPherson Rd #3Laredo, TX 78045(956) 794-9700View Map

1620 Chihuahua StLaredo, TX 78043(956) 729-9500View Map

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Best auto insurance company in Texas

Insuring your vehicle with the right auto insurance company can be challenging considering how many choices you have in Laredo. The ranking information in the lists below can help you analyze which car insurance companies you want to consider comparing rates with.

Top 10 Laredo Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Laredo Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+