Ford Flex Insurance Rate Quotes in Anchorage

The easiest way to get low-cost Ford Flex insurance is to compare prices at least once a year from different companies who sell insurance in Anchorage.

  1. Try to understand how companies price auto insurance and the things you can control to keep rates in check. Many factors that cause high rates like at-fault accidents and a lousy credit rating can be eliminated by paying attention to minor details. Read the full article for more information to get cheaper coverage and find more discounts that you may not know about.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.
  3. Compare the new rate quotes to your existing coverage to see if cheaper Flex coverage is available. If you find a better price and switch companies, make sure coverage is continuous and does not lapse.

An important note is to compare similar limits and deductibles on every price quote and and to get price quotes from as many carriers as you can. Doing this enables an accurate price comparison and a complete selection of prices.

Insurance quote for Ford Flex in AnchorageUnbelievable but true according to a study most auto insurance buyers renewed their policy with the same company for four years or more, and roughly 40% of drivers have never compared rate quotes at all. Most drivers in Anchorage could save themselves roughly 35% a year just by shopping around, but most tend to underestimate how much they could save if they bought a different policy.

To find low cost Anchorage auto insurance quotes, there are several ways to compare quotes from many different Alaska insurance companies. The simplest method to compare Ford Flex insurance prices consists of shopping online.

Comparing free rates online is easy and it, takes the place of having to make phone calls or go to different agent offices. Comparing Ford Flex insurance rates online has made agencies unnecessary unless you require the advice and guidance that only a licensed agent can provide. Some companies do allow you to comparison shop online but purchase the actual policy in an agency.

When price shopping your coverage, comparing a wide range of rates helps locate a better price.

The car insurance companies shown below have been selected to offer price comparisons in Anchorage, AK. If multiple companies are listed, it’s a good idea that you click on several of them to find the lowest car insurance rates.

Discounts can help lower premiums on Ford Flex insurance in Anchorage

Some insurance providers do not list every discount they offer in a way that’s easy to find, so below is a list some of the best known and the harder-to-find credits available to you.Insurance discounts

Just know that many deductions do not apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.

The information below illustrates the difference between Ford Flex insurance rates with and without discounts applied to the policy rates. The information is based on a female driver, no tickets, no at-fault accidents, Alaska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-car, multi-policy, and marriage discounts applied.

Larger insurance companies and their possible discounts are outlined below.

If you need lower rates, check with all the companies which discounts can lower your rates. Discounts may not apply to policyholders in Anchorage.

Rates and data analysis

The premium information displayed next highlights estimates of coverage prices for Ford Flex models. Understanding how insurance quotes are calculated can assist in making smart choices when comparing insurance quotes.

Ford Flex Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $140 $252 $354 $20 $106 $872 $73
Flex SEL 2WD $140 $296 $354 $20 $106 $916 $76
Flex SEL AWD $156 $296 $354 $20 $106 $932 $78
Flex Limited 2WD $156 $296 $354 $20 $106 $932 $78
Flex Limited AWD $156 $296 $354 $20 $106 $932 $78
Get Your Own Custom Quote Go

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates substantially.

How high should deductibles be?

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The rates shown below may aid in understanding the premium difference when you select higher and lower policy deductibles. The first data set uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Ford Flex insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $264 $422 $272 $16 $82 $1,081 $90
Flex SEL 2WD $264 $498 $272 $16 $82 $1,157 $96
Flex SEL AWD $294 $498 $272 $16 $82 $1,187 $99
Flex Limited 2WD $294 $498 $272 $16 $82 $1,187 $99
Flex Limited AWD $294 $498 $272 $16 $82 $1,187 $99
Get Your Own Custom Quote Go

Ford Flex insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $146 $222 $272 $16 $82 $738 $62
Flex SEL 2WD $146 $262 $272 $16 $82 $778 $65
Flex SEL AWD $164 $262 $272 $16 $82 $796 $66
Flex Limited 2WD $164 $262 $272 $16 $82 $796 $66
Flex Limited AWD $164 $262 $272 $16 $82 $796 $66
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in your specific Anchorage location which can alter price quotes substantially.

Based on the above data, using a $100 deductible costs an average of $32 more each month or $384 a year than requesting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 28 months between claim filings, you would probably save some money if you elect the higher deductible.

The information below demonstrates how choosing different deductibles and can influence Ford Flex insurance prices for different insured age categories. The price estimates are based on a married female driver, full coverage, and no discounts are applied to the premium.

Insurance rates by gender and age in Anchorage

The diagram below shows the difference between Ford Flex yearly insurance costs for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are applied.

Full coverage rates compared to liability-only

The information below visualizes the comparison of Ford Flex insurance costs with and without full coverage. The premium estimates are based on no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are factored in.

When to buy liability coverage only

There isn’t a steadfast formula to stop paying for comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Ford Flex book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying over $800 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Compare rate quotes but buy from a local Anchorage insurance agent

A small number of people just want to get professional advice from a licensed agent and doing so can bring peace of mind The biggest benefit of getting online price quotes is you may find better rates and also buy local.

Insurance agents in AnchorageTo help locate an agent, after submitting this simple form, your information is emailed to companies in Anchorage who want to provide quotes for your car insurance coverage. You never need to contact an agency due to the fact that quote results will go to your email. You can find the lowest rates without the usual hassles of price shopping. If you need to get a comparison quote for a specific company, don’t hesitate to find their quoting web page to submit a rate quote request.

Selecting an company should depend on more than just the quoted price. These are some questions you should get answers to.

If you are searching for a good insurance agency, it’s important to understand the different types of agencies and how they are slightly different. Agents in Anchorage can be classified as either exclusive or independent (non-exclusive).

Exclusive Car Insurance Agents

Agents in the exclusive channel generally can only insure with one company like State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are usually well trained on the products they sell and that allows them to sell at a higher price point.

Below is a list of exclusive insurance agents in Anchorage that are able to give comparison quotes.

805 Gambell StAnchorage, AK 99501(907) 276-2424View Map

9220 Lake Otis Pkwy Ste A6Anchorage, AK 99507(907) 345-0505View Map

Curt Green, Jr. – State Farm Insurance Agent
836 E 15th Ave #1Anchorage, AK 99501(907) 272-2812View Map

View more Anchorage agents

Independent Insurance Agents

Independent insurance agents are not limited to a single company and that gives them the ability to insure through many different car insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.

If you are trying to find cheaper rates, it’s a good idea to get several quotes from a couple of independent agencies to have the best price comparison.

Below is a short list of independent agencies in Anchorage who can help you get comparison quotes.

2960 C St #200Anchorage, AK 99503(907) 562-6224View Map

205 E Benson BlvdAnchorage, AK 99503(907) 258-8888View Map

440 E 36th Ave #300Anchorage, AK 99503(907) 257-1625View Map

View more Anchorage agents

Auto insurance is unique, just like you

When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your auto insurance should be unique as well.Drive safe and save
For example, these questions may help you determine if your insurance needs will benefit from professional help.

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

How Insurance Companies Calculate Ford Flex Insurance Costs

An important part of buying insurance is that you know some of the things that aid in calculating your auto insurance rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that could result in lower auto insurance prices. Many factors are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but others are not quite as obvious such as your credit history or how safe your car is.

Why do I need car insurance?

Even though Anchorage Flex insurance rates can get expensive, buying insurance serves a purpose in several ways.

The benefits of carrying adequate insurance are definitely more than the cost, especially with large liability claims. According to a 2015 survey, the average American driver is overpaying over $830 a year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.

A conclusion for your insurance search

Cheap Ford Flex insurance in Anchorage is available both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide rates over the internet and usually these regional insurance providers work with local independent agencies.

When shopping online for insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

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