The best way to find better pricing on Ford Flex insurance in New Orleans is to start comparing prices regularly from insurance carriers in Louisiana. You can compare rates by following these steps.
- Take a little time to learn about the different coverages in a policy and the factors you can control to keep rates down. Many rating factors that drive up the price like high-risk driving behaviors and an unacceptable credit rating can be remedied by making small lifestyle or driving habit changes.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while independent agents can quote prices for a wide range of companies. Find a New Orleans insurance agent
- Compare the quotes to your current policy and see if there is a cheaper rate in New Orleans. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
An important bit of advice to remember is to use the same physical damage deductibles and liability limits on every quote request and and to get quotes from as many companies as feasibly possible. This guarantees a fair rate comparison and and a good selection of different prices.
A recent insurance study revealed that the vast majority of consumers have bought insurance from the same company for over three years, and almost half have never even compared quotes to find affordable rates. Consumers in America can save approximately $860 each year just by getting comparison quotes, but they don’t want to take the time to compare rates online.
New Orleans insurance discounts for a Ford Flex
The cost of insuring your cars can be expensive, but you might find some hidden discounts that can dramatically reduce your bill. Many discounts should be triggered when you complete an application, but a few must be asked about before you will receive the discount. If you don’t get every credit available, you could be paying more than you need to.
- Discount for Home Ownership – Owning your own home or condo can help you save on auto insurance because owning a home requires a higher level of personal finance.
- Professional Organizations – Having an affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance.
- Good Student Discount – Being a good student may save as much as 25% on a New Orleans auto insurance quote. The discount lasts well after school through age 25.
- New Car Discount – Buying insurance coverage on a new vehicle can save you some money compared to insuring an older model.
- Discount for Swiching Early – Select larger companies give a discount for buying a new policy early. Ten percent is about the average savings.
- Low Miles Discount – Low annual miles may enable drivers to earn discounted prices on garaged vehicles.
- Driver Training Discounts – Participating in a class that teaches defensive driving techniques can save you 5% or more depending on where you live.
- Active Military Service – Being deployed with a military unit could be rewarded with lower rates.
As is typical with insurance, some of the credits will not apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.
The illustration below shows the comparison of Ford Flex premium costs with and without discounts applied to the rates. Data assumes a male driver, a clean driving record, no at-fault accidents, Louisiana 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 homeowner, multi-policy, safe-driver, marriage, multi-car, and claim-free discounts applied.
Large auto insurance companies and the discounts they provide can be found below.
- Mercury Insurance offers discounts for age of vehicle, annual mileage, professional/association, low natural disaster claims, multi-policy, location of vehicle, and type of vehicle.
- Farmers Insurance includes discounts for alternative fuel, homeowner, electronic funds transfer, distant student, switch companies, and multi-car.
- Farm Bureau has savings for renewal discount, youthful driver, safe driver, multi-vehicle, and 55 and retired.
- State Farm discounts include Steer Clear safe driver discount, accident-free, good student, Drive Safe & Save, and multiple policy.
- Allstate may include discounts for good student, early signing, safe driver, FullPay discount, farm vehicle, and premier plus.
- GEICO may have discounts that include anti-theft, multi-policy, five-year accident-free, daytime running lights, and membership and employees.
Check with each insurance company to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in New Orleans. For a list of providers with the best discounts in Louisiana, click here to view.
Most major insurance companies make it easy to get coverage prices from their websites. Getting Ford Flex insurance prices online doesn’t take much effort as you just type in your coverage information into the quote form. When the form is submitted, the quote system obtains your credit score and driving record and returns a price based on many factors.
This makes it easy to compare insurance prices and it’s also necessary to have as many quotes as possible if you want to get cheaper rates.
To find out how much you’re overpaying now, compare rates from the companies below. To compare your current rates, we recommend you enter coverages and limits as shown on your current policy. Doing this assures you will have rate comparison quotes for exact coverage.
The companies shown below provide price quotes in New Orleans, LA. In order to find cheap auto insurance in Louisiana, it’s highly recommended you get rate quotes from several of them in order to find the lowest rates.
Ford Flex insurance statistics and information
The price information displayed below covers detailed analysis of insurance coverage prices for Ford Flex models. Having a better idea how policy premiums are calculated can be useful when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $256 | $414 | $446 | $26 | $134 | $1,276 | $106 |
| Flex SEL 2WD | $256 | $488 | $446 | $26 | $134 | $1,350 | $113 |
| Flex SEL AWD | $286 | $488 | $446 | $26 | $134 | $1,380 | $115 |
| Flex Limited 2WD | $286 | $488 | $446 | $26 | $134 | $1,380 | $115 |
| Flex Limited AWD | $286 | $488 | $446 | $26 | $134 | $1,380 | $115 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in zip code location which can influence auto insurance rates greatly.
Insurance deductibles
One of the most common insurance questions is what deductibles to buy. The data tables below determine how much more rates are between low and high deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $452 | $722 | $464 | $28 | $140 | $1,831 | $153 |
| Flex SEL 2WD | $452 | $850 | $464 | $28 | $140 | $1,959 | $163 |
| Flex SEL AWD | $502 | $850 | $464 | $28 | $140 | $2,009 | $167 |
| Flex Limited 2WD | $502 | $850 | $464 | $28 | $140 | $2,009 | $167 |
| Flex Limited AWD | $502 | $850 | $464 | $28 | $140 | $2,009 | $167 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $330 | $488 | $464 | $28 | $140 | $1,450 | $121 |
| Flex SEL 2WD | $330 | $574 | $464 | $28 | $140 | $1,536 | $128 |
| Flex SEL AWD | $366 | $574 | $464 | $28 | $140 | $1,572 | $131 |
| Flex Limited 2WD | $366 | $574 | $464 | $28 | $140 | $1,572 | $131 |
| Flex Limited AWD | $366 | $574 | $464 | $28 | $140 | $1,572 | $131 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific location which can change auto insurance rates noticeably.
Based on these figures, using a $100 deductible would cost the average driver about $35 more each month or $420 annually than quoting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 11 months between claims, you would probably be better off if you elect the higher deductible.
The information below demonstrates how choosing different deductibles and can influence Ford Flex premium costs for different age groups of insureds. Data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.
What insurance coverages do I need?
When quoting and choosing coverage online or from an agent, there isn’t really a cookie cutter policy. Your needs are unique to you.
Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.
- What is high-risk coverage and where do I buy it?
- Is my business laptop covered if it gets stolen from my vehicle?
- Can I get a multi-policy discount?
- How many claims can I have before being canceled?
- Is my ex-spouse still covered by my policy?
- Is my trailer covered?
- Does my policy cover me when driving someone else’s vehicle?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Local New Orleans insurance agents and insurance
A lot of people just want to buy from a local agent and doing that can be a smart decision Professional insurance agents can point out coverage gaps and help submit paperwork. A nice benefit of getting online price quotes is you can get cheaper premium rates but also keep your business local.
To help locate an agent, after submitting this short form, the coverage information gets sent to participating agents in New Orleans who will return price quotes for your coverage. It’s much easier because you don’t need to drive around since price quotes are sent to you. If you want to get a price quote from one company in particular, you just need to find their quoting web page and fill out their quote form.
Choosing the best insurer should include more criteria than just the premium amount. Some important questions to ask are:
- Will high miles depreciate repair valuations?
- Does the quote include credit and driving reports?
- Are you getting all the discounts the company offers?
- By raising physical damage deductibles, how much would you save?
- Where are claims handled?
If you’re trying to find a local insurance agency, it helps to know the two different agency structures that differ in how they can insure your vehicles. Agencies in New Orleans may be either independent or exclusive. Either type can do a good job, but it’s a good idea to understand the difference in the companies they write for since it could factor into the kind of agent you use.
Exclusive Agents
These type of agents can only provide pricing for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so always compare other rates. These agents are trained well on what they offer which helps overcome the inability to quote other rates. Consumers frequently use the same agent mainly due to loyalty to the company and solid financial strength.
Listed below are exclusive insurance agencies in New Orleans that are able to give rate quotes.
- Beth Anne Naugher – State Farm Insurance Agent
3536 Holiday Dr a – New Orleans, LA 70114 – (504) 367-6660 – View Map - Charles Hemmans – State Farm Insurance Agent
4611 S Carrollton Ave – New Orleans, LA 70119 – (504) 313-5498 – View Map - Nick Pontiff – State Farm Insurance Agent
229 N Genois St – New Orleans, LA 70119 – (504) 309-8773 – View Map
Independent Agents
These agents can sell policies from many different companies and that enables them to quote your coverage with lots of companies and help determine which has the cheapest rates. If premiums increase, the agent simply finds a different carrier and you won’t have to switch agencies.
If you are trying to find cheaper rates, you definitely need to get several quotes from independent agents so that you have a good selection of quotes to compare. A lot of them also have access to smaller regional carriers which may have better rates.
Listed below is a short list of independent agencies in New Orleans who can help you get rate quotes.
- Southern Insurance Agency, LLC
725 Magazine St E – New Orleans, LA 70130 – (504) 528-9242 – View Map - Hartwig Moss Insurance Agency
2626 Canal St #3 – New Orleans, LA 70119 – (504) 525-9901 – View Map - Bob Swanson Insurance
824 Elmwood Park Blvd #295 – New Orleans, LA 70123 – (504) 734-0305 – View Map
After receiving acceptable answers to all your questions and a low price estimate, you may have found an insurance agency that is reputable and can provide insurance coverage.
How to find a good Louisiana car insurance company
Insuring your vehicle with a high-quality auto insurance provider can be rather challenging considering how many companies provide coverage in New Orleans. The rank data listed below may help you pick which insurers you want to consider when looking for cheaper rates.
Top 10 New Orleans Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 New Orleans Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Affordable auto insurance premiums are out there
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped full coverage to discover at claim time that it was a big error on their part. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
In this article, we covered many tips how you can shop for Ford Flex insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable Ford Flex insurance quotes. You may even discover the lowest prices come from a smaller regional carrier.
Insureds switch companies for any number of reasons including poor customer service, an unsatisfactory settlement offer, not issuing a premium refund or high rates after DUI convictions. Regardless of your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.
To read more, take a look at the following helpful articles:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has the Cheapest New Orleans Car Insurance Rates for a Learners Permit? (FAQ)
- Who Has the Cheapest New Orleans Car Insurance Rates for a School Permit? (FAQ)
- What Insurance is Cheapest for Welfare Recipients in New Orleans? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Dodge Grand Caravan in New Orleans? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Auto Insurance FAQ (Farmers Insurance)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Airbag FAQ (iihs.org)