Are you tired of trying to find more affordable Ford Flex insurance in Henderson? Are you sick and tired of scraping nickels together to insure your Ford every month? You have the same problem as the majority of other consumers in Nevada.

Insurance rates Ford Flex in HendersonUnbelievable but true, most consumers have stayed with the same insurance company for a minimum of four years, and almost half have never even compared rates from other companies. Henderson consumers could save as much as $500 every year by just comparing rate quotes, but most tend to underestimate how much money they would save if they moved their coverage to a different company.

There is such a variety of car insurance companies to purchase coverage from, and although it's nice to be able to choose, so many choices can make it hard to compare company pricing for Ford Flex insurance in Henderson.

Locating the most cost-effective car insurance policy in Henderson can really be easy if you know what you're doing. If you have insurance now, you should be able to shop for the lowest rates using the techniques presented in this article. Although Nevada car owners must comprehend the way companies price online insurance and use it to your advantage.

Car insurance providers offering low-cost rates in Nevada

The car insurance companies shown below provide price comparisons in Henderson, NV. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Ford Flex Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $142 $248 $324 $20 $96 $830 $69
Flex SEL 2WD $206 $392 $290 $18 $86 $992 $83
Flex SEL AWD $286 $554 $348 $20 $104 $1,312 $109
Flex Limited 2WD $160 $306 $348 $20 $104 $938 $78
Flex Limited AWD $260 $480 $296 $18 $88 $1,142 $95
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in vehicle location which can change rates greatly.

Raise deductibles and save

One frequently asked question is where to set your physical damage deductibles. The rates shown below illustrate the differences in premium rates when you select higher and lower coverage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Ford Flex insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $268 $402 $308 $18 $92 $1,113 $93
Flex SEL 2WD $268 $472 $308 $18 $92 $1,183 $99
Flex SEL AWD $300 $472 $308 $18 $92 $1,215 $101
Flex Limited 2WD $300 $472 $308 $18 $92 $1,215 $101
Flex Limited AWD $300 $472 $308 $18 $92 $1,215 $101
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Ford Flex insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $218 $324 $308 $18 $92 $960 $80
Flex SEL 2WD $218 $382 $308 $18 $92 $1,018 $85
Flex SEL AWD $244 $382 $308 $18 $92 $1,044 $87
Flex Limited 2WD $244 $382 $308 $18 $92 $1,044 $87
Flex Limited AWD $244 $382 $308 $18 $92 $1,044 $87
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price information does not factor in your specific Henderson location which can lower or raise rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $14 more each month or $168 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 18 months between claims, you would save more money by going with a higher deductible.

Score discounts on Henderson car insurance

Car insurance is not inexpensive, but discounts can save money and there are some available that many people don't even know exist. Certain reductions will be credited when you complete an application, but some must be asked for prior to receiving the credit. If you check and find you aren't receiving every discount you deserve, you are paying more than you should be.

Remember that some credits don't apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, company stockholders wouldn't be very happy. Any qualifying discounts should definitely cut your policy cost.

Popular car insurance companies and their offered discounts are shown below.

Before purchasing a policy, check with each company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in Henderson.

Don't assume everyone needs the same car insurance coverage

Keep in mind that when it comes to choosing a policy, there really is not a one-size-fits-all type of policy. Your needs are not the same as everyone else's and your car insurance should be unique as well. For instance, these questions can aid in determining whether you might need professional guidance.

If it's difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance quotes from neighborhood Henderson auto insurance agents

A lot of people prefer to buy from a licensed agent and that can be a smart move The best thing about comparing rate quotes online is the fact that you can find cheaper car insurance rates but also keep your business local.

Find insurance agent in HendersonTo help locate an agent, after submitting this short form, your insurance data is instantly submitted to insurance agents in Henderson who will give competitive quotes for your coverage. It simplifies rate comparisons since you won't have to do any legwork due to the fact that quote results will go to your email. You can find lower rates and a licensed agent to work with. If you wish to compare prices from one company in particular, don't hesitate to jump over to their website and submit a quote form there.

Picking an insurer should depend on more than just the premium amount. Here are some questions to ask:

If you want to use a reliable insurance agency, there are a couple of types of insurance agents and how they operate. Insurance agents in Henderson are categorized either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Exclusive agents write business for a single company and examples are AAA, Allstate, and State Farm. Exclusive agents cannot provide other company's prices so they have no alternatives for high prices. They are usually quite knowledgeable on their company's products and that allows them to sell at a higher price point.

The following are Henderson exclusive insurance agents willing to provide price quote information.


3215 St Rose Pkwy Ste 120 - Henderson, NV 89052 - (702) 233-8372 - View Map


1776 W Horizon Ridge Pkwy Ste 110 - Henderson, NV 89012 - (702) 906-1860 - View Map


11201 S Eastern Ave #110 - Henderson, NV 89052 - (702) 260-8589 - View Map

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Independent Agencies or Brokers

Agents that elect to be independent do not work for one specific company so they can insure your vehicles with lots of companies and help determine which has the cheapest rates. If they find a lower price, they simply switch companies in-house and you stay with the same agent. When shopping rates, you will definitely want to get some free quotes from a couple of independent agencies to get the most accurate price comparison.

Below is a list of independent insurance agencies in Henderson willing to provide price quotes.


3481 E Sunset Rd #100 - Las Vegas, NV 89120 - (702) 220-8640 - View Map

Safeco Insurance
2736 Marie Antoinette St - Henderson, NV 89044 - (866) 694-9046 - View Map


1368 Paseo Verde Pkwy #200a - Henderson, NV 89012 - (702) 368-4040 - View Map

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Don't believe everything you hear

Auto insurance providers like Allstate, GEICO and Progressive regularly use ads on television and other media. All the companies make an identical promise that drivers will save a bundle if you change your coverage. Is it even possible that every company can claim to save you money? This is how they do it.

All the different companies look for specific characteristics for the type of driver that earns them a profit. One example of a driver they prefer may need to be between the ages of 30 and 45, is a homeowner, and drives less than 5,000 miles a year. A customer getting a price quote that matches those criteria will probably get the lowest car insurance rates and is almost guaranteed to save when they switch companies.

Insureds who fall outside these criteria will see higher premium rates which results in business not being written. The ads state "drivers who switch" not "all people who quote" save that much when switching. That's the way companies can truthfully make claims that they all have the best rates. Each company has different criteria, so you need to do a price quote comparison at every renewal. It is impossible to guess which insurance companies will have the best prices at this point in time.

Insurance savings summarized

As you quote Henderson auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped full coverage and learned later that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Discount Ford Flex insurance in Henderson can be purchased online as well as from independent agents in Henderson, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide rates over the internet and many times these smaller providers provide coverage only through independent insurance agents.

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