Compare Ford Flex Insurance Quotes in Chula Vista

It’s hard to believe, but nearly 70% of drivers have remained with the same car insurance company for more than four years, and nearly the majority have never even compared rates from other companies. California drivers can save roughly 35% each year by just comparing quotes, but most undervalue how much money they would save if they moved their coverage to a different company.

Insurance quote for Ford Flex in Chula VistaThe easiest way to find cheaper quotes for Ford Flex insurance is to compare prices regularly from insurers who can sell car insurance in Chula Vista. Drivers can shop around by following these steps.

First, take a few minutes and learn about how insurance companies determine prices and the changes you can make to lower rates. Many things that drive up the price like careless driving and an unfavorable credit rating can be amended by improving your driving habits or financial responsibility. Later in this article we will cover the details to prevent rate hikes and find additional discounts you may qualify for.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.

Third, compare the new rate quotes to your existing rates to determine if you can save on Flex insurance in Chula Vista. If you find a better price, make sure coverage is continuous and does not lapse.

Fourth, notify your company or agent to cancel your existing policy and submit a down payment along with a signed application for the new policy. Make sure you keep your new certificate verifying coverage in your vehicle.

An essential thing to point out is to try to compare similar deductibles and liability limits on every quote request and and to get quotes from as many different companies as possible. Doing this provides a fair price comparison and a thorough selection of prices.

Companies offering Ford Flex insurance in California

The companies shown below can provide price quotes in Chula Vista, CA. To locate the cheapest car insurance in California, it’s a good idea that you compare several of them to get a more complete price comparison.

Rates and detailed analysis

The rate information below showcases detailed analysis of rate quotes for Ford Flex models. Learning how premiums are determined can help guide drivers when making decisions on the best policy coverages.

Ford Flex Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $296 $478 $416 $24 $124 $1,338 $112
Flex SEL 2WD $296 $562 $416 $24 $124 $1,422 $119
Flex SEL AWD $330 $562 $416 $24 $124 $1,456 $121
Flex Limited 2WD $330 $562 $416 $24 $124 $1,456 $121
Flex Limited AWD $330 $562 $416 $24 $124 $1,456 $121
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can raise or lower premiums greatly.

The diagram below shows how different deductible levels and can change Ford Flex annual premium costs for different age groups. The costs are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Rate comparison of male drivers versus female drivers

The diagram below visualizes the comparison of Ford Flex car insurance rates for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $100 deductibles, drivers are single, and no other discounts are factored in.

Full coverage rates compared to liability-only

The information below shows the comparison of Ford Flex car insurance rates with full coverage compared to only the California minimum liability coverage. The costs are based on no violations or claims, $100 deductibles, single marital status, and no additional discounts are factored in.

When to drop full coverage

There is no definitive guideline for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your Ford Flex claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If premiums are more than $200 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Do you qualify for discounts on Ford Flex insurance in Chula Vista?

Car insurance companies don’t always advertise every discount they offer very well, so the next list breaks down a few of the more common and the harder-to-find credits that may apply to you. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.

A little disclaimer on discounts, many deductions do not apply to the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.

The example below visualizes the comparison of Ford Flex premium costs with and without discounts applied to the policy rates. The data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, multi-policy, and safe-driver discounts applied.

Companies and a partial list of their discounts are included below.

Before you buy a policy, ask all the companies which discounts you qualify for. Discounts may not apply to policyholders everywhere.

Buying from insurance agents

Certain consumers just want to get professional advice from a licensed agent and doing so can bring peace of mind Insurance agents can help you choose the best coverages and will help you if you have claims. The best thing about price shopping on the web is that you can find cheaper premium rates and also buy local. Putting coverage with neighborhood agents is definitely important in Chula Vista.

Chula Vista insurance agentsOnce you complete this short form, the coverage information is submitted to local insurance agents in Chula Vista who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to drive around since price quotes are sent directly to you. If you need to get a comparison quote for a specific company, you can always visit that company’s website to submit a rate quote request.

Choosing an provider requires you to look at more than just a cheap quote. Agents should be asked these questions:

How to find a good California auto insurance company

Picking the top auto insurance provider can be difficult considering how many choices drivers have in Chula Vista. The company rank data in the lists below may help you pick which car insurance providers you want to consider shopping prices with.

Top Auto Insurance Companies in California
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: Best Car Insurance Companies

Affordable auto insurance rates are available

Some insurance companies may not have online price quotes and usually these small, regional companies prefer to sell through independent agencies. Discount Ford Flex insurance can be bought on the web as well as from independent agents in Chula Vista, so you need to compare both to have the best rate selection.

People who switch companies do it for a variety of reasons including high prices, an unsatisfactory settlement offer, policy non-renewal or even extreme rates for teen drivers. Whatever your reason, finding a great new company can be easier than you think.

We covered some good ideas how to find cheaper Ford Flex insurance in Chula Vista. It’s most important to understand that the more you quote Chula Vista auto insurance, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with some of the lesser-known companies.

Much more information about auto insurance in California is available at these links: