A recent car insurance study revealed that 70% of consumers have bought car insurance from the same company for a minimum of four years, and practically 40% of car insurance customers have never even compared quotes to find cheaper rates. Many consumers in Tulsa could save nearly $551 a year just by shopping around, but they underestimate how much money they would save if they replace their high priced policy.
The best way to get affordable Ford Flex insurance is to compare quotes annually from insurers in Tulsa.
- Get an understanding of coverages and the modifications you can make to drop your rates. Many things that cause high rates such as at-fault accidents and a poor credit rating can be eliminated by making minor changes in your lifestyle.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can give you price quotes for a wide range of companies. View a list of agents
- Compare the quotes to your current policy to see if a cheaper price is available in Tulsa. If you find a better price and change companies, make sure there is no coverage gap between policies.
- Provide notification to your current agent or company of your decision to cancel your current car insurance policy and submit payment and a completed application to the new company. As soon as you receive it, put the certificate of insurance in your vehicle.
A key point to remember is to use the same liability limits and deductibles on each quote request and and to get rate quotes from as many car insurance companies as possible. This provides a fair price comparison and a complete selection of prices.
Buying the lowest-priced policy in Tulsa is not that difficult. Basically, every driver who requires lower cost auto insurance stands a good chance to find a lower-cost company. Nevertheless, Oklahoma vehicle owners do need to know how companies determine premium rates.
Compare Tulsa Ford Flex insurance price quotes
When comparison shopping, there are several ways to get quotes from many different Oklahoma insurance companies. By far the easiest way to comparison shop consists of obtaining rate quotes online.
When price shopping your coverage, obtaining a wide range of quotes provides better odds of finding lower pricing.
The providers in the list below offer comparison quotes in Tulsa, OK. To buy cheap auto insurance in Tulsa, OK, it’s a good idea that you get prices from several of them in order to get a fair rate comparison.
Choosing the best Ford vehicle insurance in Oklahoma is an important decision
Despite the high cost of buying insurance for a Ford Flex in Tulsa, paying for insurance may be required for several reasons.
- Almost all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to be legal. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Ford Flex has a loan, most banks will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Ford at a more expensive rate and force you to pay for the much more expensive policy.
- Insurance safeguards both your Ford Flex and your personal assets. It will also provide coverage for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your car greatly outweigh the cost, especially for larger claims. On average, a vehicle owner in Tulsa is currently overpaying as much as $865 each year so it’s important to compare rates every year to be sure current rates are still competitive.
Rates and information analytics
The rate table displayed next showcases estimates of rate quotes for Ford Flex models. Having knowledge of how insurance prices are established can assist in making smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Flex SE 2WD||$336||$578||$422||$24||$126||$1,486||$124|
|Flex SEL 2WD||$336||$682||$422||$24||$126||$1,590||$133|
|Flex SEL AWD||$374||$682||$422||$24||$126||$1,628||$136|
|Flex Limited 2WD||$374||$682||$422||$24||$126||$1,628||$136|
|Flex Limited AWD||$374||$682||$422||$24||$126||$1,628||$136|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific location which can increase or decrease coverage prices considerably.
The chart below highlights how deductible choice and can increase or decrease Ford Flex insurance costs for each age group. The premiums assume a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Insurance rate increases from tickets or accidents
The diagram below shows how traffic citations and accident claims can increase Ford Flex annual premium costs for each age group. The data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
Premiums by gender and age
The illustration below illustrates the difference between Ford Flex insurance prices for male and female drivers. The costs are based on no claims or violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are factored in.
Save a ton by applying discounts
Not many people think insurance is cheap, but you may be missing some discounts that can help lower your rates. Certain discounts will be triggered automatically when you quote, but once in a while a discount must be specially asked for in order for you to get them. If you check and find you aren’t receiving every discount available, you may be paying too high a price.
- Club Memberships – Affiliation with certain professional organizations is a simple method to lower premiums on your bill.
- Paperless Signup – Some auto insurance companies give back up to $50 for completing your application online.
- Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
- Distant Student – Older children who are enrolled in a college that is more than 100 miles from Tulsa and do not have a car could qualify for this discount.
- Driver Training Discounts – Participating in a course teaching defensive driver skills is a good idea and can lower rates and also improve your driving technique.
- Seat Belt Discounts – Requiring all passengers to use their safety belts could cut 10% or more off the PIP or medical payment premium.
- Low Mileage Discounts – Low mileage vehicles can earn lower auto insurance rates on the low mileage vehicles.
One last thing about discounts, some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will lower your policy cost.
The example below visualizes the comparison of Ford Flex insurance costs with and without discounts applied to the rates. The information is based on a female driver, no driving violations, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, safe-driver, marriage, and homeowner discounts applied.
If you would like to see a list of companies who offer free Ford Flex insurance quotes in Oklahoma, click here to view.
What insurance coverages do I need?
When selecting proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your situation is unique and your policy should reflect that.
For instance, these questions can help discover whether your personal situation might need an agent’s assistance.
- Which is better, split liability limits or combined limits?
- Can I cancel at any time?
- Where can I find DUI or SR-22 insurance?
- Is my business laptop covered if it gets stolen from my vehicle?
- What does PIP insurance cover?
- Do I pay less for low miles?
- What is the rate difference between pleasure use and commuting?
- I have a DUI can I still get coverage?
- What is the difference between comprehensive and collision coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.