Auto Insurance Quotes for a Ford Flex in Long Beach

If you’re looking for more affordable insurance on the web, are you intimidated by the sheer number of car insurance choices available to you? Many other drivers are as well. Consumers have such a large number of options that it can really be a lot of work to compare prices on Ford Flex insurance. Everyone knows Long Beach is an excellent city in which to live, but expensive car insurance premiums makes it difficult to affordably buy enough coverage.

How to find the cheapest rates for Ford Flex insurance in Long Beach

It takes a little time, but the best way to get the cheapest auto insurance rates is to regularly compare quotes from insurance carriers who provide auto insurance in Long Beach.

A good piece of advice is to try to use the same deductibles and limits on each quote request and and to compare as many companies as possible. This provides a fair rate comparison and a complete price analysis.

Insurance for Ford FlexA recent car insurance study revealed that the vast majority of consumers have stayed with the same insurance company for at least four years, and nearly the majority have never even shopped around for lower-cost coverage. American drivers could save $860 every year just by shopping around, but they think it’s difficult to compare rates and save money.

You should make it a habit to shop coverage around yearly because insurance rates are usually higher with each renewal. Even if you got the best premium rates on Ford Flex insurance in Long Beach on your last policy the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because you’re going to learn the best way to find better rates and still maintain coverage.

Ford Flex Insurance Rate Factors

An important part of buying insurance is that you know some of the factors that help determine auto insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make good choices that could help you find lower rates. Multiple criteria are taken into consideration when premium rates are determined. Most are fairly basic like your driving record, although others are not quite as obvious like your vehicle usage or your commute time.

Insurance rate breakdown

The rate table shown next covers a range of coverage prices for Ford Flex models. Learning a little about how insurance prices are figured can aid in making decisions when shopping your coverage around.

Ford Flex Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $358 $464 $578 $34 $174 $1,608 $134
Flex SEL 2WD $358 $546 $578 $34 $174 $1,690 $141
Flex SEL AWD $398 $546 $578 $34 $174 $1,730 $144
Flex Limited 2WD $398 $546 $578 $34 $174 $1,730 $144
Flex Limited AWD $398 $546 $578 $34 $174 $1,730 $144
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in specific Long Beach garaging location which can change coverage prices considerably.

Raise deductibles and save

When comparing insurance rates, the most common question is which deductibles should you choose. The rates shown below can help you visualize the cost difference of buying low and high coverage deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Ford Flex insurance with $250 deductibles
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
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Ford Flex insurance 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 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 safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify premium rates noticeably.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $19 more each month or $228 a year averaged for all Flex models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 13 months between claim filings, you would come out ahead if you opt for a higher deductible.

How to decide to raise your deductibles

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

An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more when you have a claim. It will be required that you have a higher level of savings in the event you have to pay the higher deductible.

Does full coverage make sense?

The chart below compares Ford Flex insurance premiums with and without full coverage. The data assumes no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no exact rule that is best for determining when to drop full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your Ford Flex claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying more than $400 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

Score discounts on Long Beach insurance

Companies do not advertise every discount available very well, so the following is a list of some of the more common and also the lesser-known insurance savings. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.Discount insurance

We need to note that most discount credits are not given to the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will lower your policy cost.

The information below illustrates the comparison of Ford Flex insurance costs with and without some available policy discounts. The costs are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, multi-car, and marriage discounts applied.

Larger insurance companies and a summarized list of policyholder discounts are:

Check with each company or agent to give you their best rates. All car insurance discounts might not be offered in your area. To locate companies that offer multiple discounts in California, click this link.

Car insurance company ratings

Finding the top company is difficult considering how many companies there are in Long Beach. The company ratings in the next section could help you decide which insurers to look at when looking for cheaper rates.

Top 10 Long Beach Car Insurance Companies by A.M. Best Rank

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

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

One last note

When searching for affordable Long Beach car insurance quotes, you should never reduce needed coverages to save money. In too many instances, someone dropped liability limits or collision coverage only to regret that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

People switch companies for any number of reasons including policy cancellation, not issuing a premium refund, delays in responding to claim requests or even denial of a claim. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

You just read many ways to reduce Ford Flex insurance car insurance rates online in Long Beach. It’s most important to understand that the more you quote Long Beach car insurance, the higher the chance of saving money. Consumers may even find the best car insurance rates are with the smaller companies.

Steps to finding cheaper rates for Ford Flex insurance in Long Beach

If you want to save money, the best way to get more affordable Ford Flex insurance is to regularly compare quotes from insurance carriers in Long Beach.

A tip to remember is that you use the same amount of coverage on each quote request and and to look at as many carriers as you can. Doing this ensures an apples-to-apples comparison and a thorough price selection.

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