Insurance quote for Ford Flex in Las VegasFeeling guilty for buying an underperforming, overpriced car insurance policy? Don't feel bad because many consumers are feeling buyer's remorse and feel like there's no way out.

Remarkably, a study showed that the vast majority of car insurance customers have stayed with the same insurance company for at least the last four years, and virtually 40% of consumers have never taken the time to shop around. Many consumers in Nevada could cut their rates by approximately 35% a year just by comparing rates, but most tend to underestimate how much money they would save if they switched. Consumers have multiple insurers to pick from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates and cut insurance costs.

Buying the cheapest insurance in Las Vegas seems hard but is not really that difficult. If you have insurance now or just want a better rate, use these money-saving tips to find better prices without having to cut coverage. Smart buyers just have to use the fastest way to compare rate quotes on the web.

Low-cost companies for Ford Flex insurance in Nevada

The providers in the list below provide free rate quotes in Nevada. If multiple companies are shown, we recommend you compare several of them to get a more complete price comparison.

Ford Flex Insurance Cost Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $128 $210 $290 $18 $86 $732 $61
Flex SEL 2WD $260 $464 $314 $18 $94 $1,150 $96
Flex SEL AWD $288 $534 $400 $24 $120 $1,366 $114
Flex Limited 2WD $286 $554 $324 $20 $96 $1,280 $107
Flex Limited AWD $144 $252 $296 $18 $88 $798 $67
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific garaging location which can revise coverage rates substantially.

Difference between full coverage and liability only rates

The example below shows the difference between Ford Flex car insurance costs with liability coverage only compared to full coverage. The premiums are based on a clean driving record, no claims, $250 deductibles, single male driver, and no additional discounts are factored in.

When to drop full coverage

There isn't a steadfast formula of when to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's say your Ford Flex claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after you pay the deductible. If you are paying over $800 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few cases where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The premium rates below help summarize the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 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 $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $166 $252 $308 $18 $92 $836 $70
Flex SEL 2WD $166 $298 $308 $18 $92 $882 $74
Flex SEL AWD $184 $298 $308 $18 $92 $900 $75
Flex Limited 2WD $184 $298 $308 $18 $92 $900 $75
Flex Limited AWD $184 $298 $308 $18 $92 $900 $75
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in zip code location which can affect coverage prices noticeably.

We can estimate from the data above that using a $250 deductible will cost you roughly $25 more each month or $300 a year than quoting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 30 months between claim filings, you would come out ahead if you decide on a higher deductible.

Save Money with These Tips

Many things are part of the calculation when premium rates are determined. Some factors are common sense like your driving record, but others are not as apparent such as your marital status or how financially stable you are.

Shown below are some of the factors that factor into your prices.

Better prices on safer cars - Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and fewer injuries means less claims paid passed on to you as lower rates.

Premiums for guys may be higher - Statistics demonstrate that women are safer drivers than men. This data doesn't prove that men are WORSE drivers than women. Both genders get in fender benders in similar percentages, but the males get into accidents with more damage. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are several times more likely to be in an accident so they pay the highest premiums.

Vehicle options impact prices - Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.

Small frequent claims are not good - Insurance companies in Nevada generally give lower rates to people who only file infrequent claims. If you're an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Auto insurance is designed for the large, substantial claims.

How's your driving record? - How you drive has a huge affect on how much you pay. Attentive drivers receive lower rates than bad drivers. Having just one speeding ticket or other violation can bump up the cost forty percent or more. Drivers who have dangerous violations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state in order to continue driving.

Do you know your comp and collision deductibles? - Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Ford. Examples of covered claims could be colliding with a building, damage caused by hail, and rolling your vehicle. The deductibles represent how much money you are willing to pay if a covered claim is submitted. The more expense the insured is willing to pay, the bigger discount you will receive.

Ford Flex claim probability - Companies take into consideration historical loss data for every vehicle as a tool for profitable underwriting. Vehicles that the data shows to have a higher amount or frequency of claims will be charged more to insure. The table below outlines the compiled insurance loss statistics for Ford Flex vehicles.

For each type of coverage, the claim amount for all vehicles averaged together is a value of 100. Percentage numbers below 100 suggest a positive loss record, while numbers above 100 point to more losses or an increased likelihood of larger losses.

Insurance Loss Ratings for Ford Flex Vehicles

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Flex 4dr 2WD 89 84 107 91 100 87
Ford Flex 4dr 4WD 105 84 119 77 79 75

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Discounts mean cheaper rates for Ford Flex insurance in Las Vegas

Companies do not list all their discounts very well, so the below list has both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy Las Vegas car insurance online.Save money with discounts

A little note about advertised discounts, many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you can get free auto insurance, you aren't that lucky.

To locate companies that offer some of these discounts in Nevada, click this link.

Insurance agent or online?

Some consumers would rather talk to a local agent and that is recommended in a lot of cases Good agents can help determine the best coverages and give you someone to call. An additional benefit of comparing insurance prices online is that you can obtain the lowest rates and still buy from a local agent.

Las Vegas insurance agentsAfter filling out this simple form, your insurance coverage information gets sent to participating agents in Las Vegas who want to provide quotes and help you find cheaper coverage. It makes it easy because there is no need to even leave your home due to the fact that quote results will go to you instantly. If for some reason you want to compare prices from one company in particular, you just need to go to their quote page and give them your coverage information.

Choosing the best company shouldn't rely on just the bottom line cost. Get answers to these questions too.

When looking for a local Las Vegas insurance agency, it can be helpful to understand the different agency structures and how they work. Car insurance agents can be described as either exclusive or independent agents depending on their company appointments. Either type can sell affordable car insurance policies, but it's worth learning the difference in the companies they write for because it may have an impact on the type of agent you choose.

Exclusive Agencies

Agents that elect to be exclusive normally can only provide a single company's rates and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents receive a lot of sales training on their company's products which aids in selling service over price.

Below are Las Vegas exclusive agencies who can help you get price quotes.

4001 S Decatur Blvd Ste 4 - Las Vegas, NV 89103 - (702) 530-8822 - View Map

10198 W Flamingo Rd #130 - Las Vegas, NV 89147 - (702) 363-4500 - View Map

6485 N Decatur Blvd #150 - Las Vegas, NV 89131 - (702) 463-2400 - View Map

More Las Vegas agents

Independent Agencies or Brokers

Independent agencies do not sell for just one brand and that gives them the ability to insure amongst many companies enabling the ability to shop coverage around. If they quote lower rates, they simply move your policy to a different company and you don't have to do anything.

When searching for an agent, you will definitely want to get some free quotes from several independent agencies to ensure the widest selection of prices.

Below are independent agencies in Las Vegas who can help you get price quote information.

7881 W Charleston Blvd #140 - Las Vegas, NV 89117 - (702) 382-4010 - View Map

5025 S Eastern Ave #20 - Las Vegas, NV 89119 - (702) 307-3398 - View Map

1958 Village Center Cir #5 - Las Vegas, NV 89134 - (702) 733-0330 - View Map

More Las Vegas agents

Is there deception in advertising?

Consumers can't get away from ads for cheaper auto insurance by companies like State Farm and Allstate. They all make the same claim that people will save after switching to their company.

Is it even possible that every company can give you a better price on Ford Flex insurance in Las Vegas? It's all in the words they use.

Many companies have a preferred profile for the type of customer that earns them the highest profit. For instance, a profitable risk profile should be married and over the age of 30, carries full coverage, and has a short commute. Any person that fits those parameters gets the lowest premium rates and will pay quite a bit less when switching companies.

People who fall short of the requirements will have to pay a more expensive rate which leads to the driver buying from a lower-cost company. If you listen closely, the ads state "people that switch" not "everyone who quotes" can get the lowest rates when switching. That's why insurance companies can make those statements. Each company has different criteria, so drivers should quote coverage with many companies. It is impossible to predict which auto insurance company will have the best prices for your profile.

Be persistent and save

You just learned many ideas to find cheap Ford Flex insurance in Las Vegas. It's most important to understand that the more providers you compare, the higher your chance of finding inexpensive Las Vegas car insurance quotes. You may even be surprised to find that the lowest rates are with a lesser-known regional company. They may only write in your state and offer lower car insurance rates compared to the large companies like State Farm and Allstate.

Some companies do not provide price quotes online and usually these smaller providers sell through independent insurance agents. Budget-friendly insurance in Las Vegas can be found online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from.

When getting Las Vegas car insurance quotes online, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability coverage limits only to regret at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

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