Insurance for Ford FlexWould you like to find more competitive insurance rates in Honolulu, HI? Honolulu consumers have many options when looking for low-cost Ford Flex insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to make rate comparisons. There is a better way to find insurance online so you're going to learn the quickest way to price shop coverage for a new or used Ford and obtain the lowest price from Honolulu insurance agents and online providers.

It's a good habit to compare prices at least once a year since prices go up and down regularly. Despite the fact that you may have had the lowest rates on Ford Flex insurance in Honolulu a year ago you can probably find a lower rate today. Ignore everything you know about insurance because you're about to learn the best way to properly buy coverages while reducing your premium.

Best companies for Ford Flex insurance

The auto insurance companies shown below have been selected to offer price comparisons in Honolulu, HI. If more than one company is shown, we recommend you get rates from several of them in order to get a fair rate comparison.

Ford Flex Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $188 $278 $264 $16 $80 $826 $69
Flex SEL 2WD $256 $500 $358 $22 $106 $1,242 $104
Flex SEL AWD $176 $314 $358 $22 $106 $976 $81
Flex Limited 2WD $222 $398 $278 $16 $84 $998 $83
Flex Limited AWD $190 $302 $272 $16 $82 $862 $72
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in vehicle location which can alter prices considerably.

Should you raise deductibles?

One frequently asked question is how high should the deductibles for physical damage be. The comparison tables below highlight the cost difference when you select higher and lower insurance deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Ford Flex insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $258 $412 $264 $16 $80 $1,055 $88
Flex SEL 2WD $258 $484 $264 $16 $80 $1,127 $94
Flex SEL AWD $286 $484 $264 $16 $80 $1,155 $96
Flex Limited 2WD $286 $484 $264 $16 $80 $1,155 $96
Flex Limited AWD $286 $484 $264 $16 $80 $1,155 $96
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Ford Flex insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $188 $278 $264 $16 $80 $826 $69
Flex SEL 2WD $188 $328 $264 $16 $80 $876 $73
Flex SEL AWD $210 $328 $264 $16 $80 $898 $75
Flex Limited 2WD $210 $328 $264 $16 $80 $898 $75
Flex Limited AWD $210 $328 $264 $16 $80 $898 $75
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in specific zip code location which can raise or lower coverage rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $21 more each month or $252 every year than requesting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 19 months between claims, you would probably come out ahead going with the higher deductible.

Ford Flex liability rates compared to full coverage

The example below illustrates the difference between Ford Flex yearly insurance costs when comparing full coverage to state minimum liability only. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, married female driver, and no additional discounts are factored in.

When to stop paying for full coverage

There is no specific rule for phasing out physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's assume your Ford Flex claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying the physical damage deductible. If it's costing you more than $500 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Car insurance rates based on gender

The chart below compares Ford Flex premium costs for male and female drivers. The premium estimates are based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no policy discounts are applied.

Do you qualify for discounts?

Buying auto insurance is not cheap, but you might already qualify for some discounts that can help lower your rates. A few discounts will be applied when you purchase, but a few must be asked about before you get the savings. If you are not receiving all the discounts possible, you are just wasting money.Cheaper auto insurance with discounts

You should keep in mind that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

A partial list of companies that may have some of the discounts shown above include:

When quoting, ask each company how many discounts you can get. Discounts might not be offered on policies in Honolulu. If you would like to see a list of auto insurance companies who offer auto insurance discounts in Honolulu, click this link.

Why You Might Pay Higher Rates in Honolulu

Many different elements are part of the equation when you quote your car insurance policy. Some are pretty understandable such as your driving history, but some are less apparent such as your credit history or your vehicle rating. A large part of saving on car insurance is knowing some of the things that play a part in calculating car insurance rates. If you understand what determines base rates, this enables you to make decisions that can earn you lower rates.

How much insurance do I need?

Keep in mind that when it comes to choosing the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. You are unique.Insurance savings

These are some specific questions might help in determining if your insurance needs could use an agent's help.

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and may give you better protection.

When should I have guidance from an agent?

Certain consumers still prefer to get professional advice from a licensed agent and there is nothing wrong with that. Good agents are very good at helping people manage risk and help submit paperwork. One of the benefits of comparing auto insurance online is the fact that drivers can get cheap rate quotes and still buy from a local agent.

Insurance agents in HonoluluAfter completing this quick form, your information is submitted to local insurance agents that can give you free Honolulu auto insurance quotes for your business. You never need to drive around as quotes are delivered to your email. In the event you want to quote rates from a specific auto insurance provider, you would need to search and find their rate quote page to submit a rate quote request.

Finding the right insurer needs to be determined by more than just a cheap price quote. Get answers to these questions too.

If you want to use a reliable insurance agency, it can be helpful to understand the types of agencies and how they are distinctly different. Auto insurance agents may be either exclusive or independent. Both types of agents can sell auto insurance policies, but it's important to know the difference in how they write coverage since it can impact your selection of an agent.

Exclusive Agencies

These agents are contracted to one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to compare other company's rates so they are skilled at selling on more than just price. They are usually quite knowledgeable on sales techniques which helps them compete with independent agents. Some consumers prefer to buy insurance from these agents primarily because of the brand and solid financial strength.

The following are exclusive insurance agencies in Honolulu willing to provide comparison quotes.

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Independent Agents

Agents that elect to be independent do not have single company limitations and that allows them to write policies with many different companies enabling the ability to shop coverage around. If your premiums go up, they can switch companies in-house and you can keep the same agent. When comparison shopping, you need to get some free quotes from a few independent agents to get the most accurate price comparison. They often place coverage with additional companies that you may not be familiar with which could offer lower prices.

Below are Honolulu independent agencies willing to provide comparison quotes.

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The largest companies are not always cheapest

Hawaii drivers can't get away from all the ads that claim the best premium rates by State Farm and Allstate. They all seem to make the same claim about savings if you move to their company.

How can each company make the same claim? It's all in the numbers.

Insurance providers give the cheapest rates for the type of driver they prefer to insure. For instance, a desirable insured might be described as over the age of 35, has no prior claims, and drives less than 10,000 miles a year. Any driver who matches those parameters will probably get the lowest prices and as a result will probably save a lot of money.

People who may not quite match the "perfect" profile must pay a higher premium and ends up with the prospect going elsewhere. The ads state "people that switch" but not "everyone who gets a quote" can save as much as they claim. That is how companies can truthfully make claims that they all have the best premium rates. This illustrates why it is so important to compare price quotes frequently. Because you cannot predict with any certainty which company will have the best Ford Flex insurance in Honolulu.

Be persistent and save

People leave their current company for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, poor customer service or even extreme rates for teen drivers. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.

We've covered some good ideas how to compare Ford Flex insurance premium rates in Honolulu. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the best premium rates are with an unexpected company.

Cost effective Ford Flex insurance can be found both online and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies may not offer online rate quotes and most of the time these regional carriers provide coverage only through independent agents.

Additional detailed information can be found in the articles below: