Affordable Ford Flex Insurance in Honolulu

Discount Ford Flex insuranceHow long have you put off shopping around for more competitive Ford Flex insurance in Honolulu? Finding the cheapest insurance for a Ford Flex in Hawaii can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to price shop coverage for a Ford and obtain the best price possible either online or from Honolulu insurance agents.

Locating the best rates in Honolulu can initially seem challenging. If you already have coverage or are looking for a new policy, use these tips to cut your premiums and still get good coverage. Vehicle owners only need an understanding of the proper methods to compare insurance rates online from multiple companies.

Rates and information analytics

The table shown below outlines detailed analysis of rate quotes for Ford Flex models. Being more informed about how insurance quotes are formulated can help drivers make smart choices when choosing a car insurance company.

Ford Flex Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $182 $272 $270 $16 $80 $820 $68
Flex SEL 2WD $182 $320 $270 $16 $80 $868 $72
Flex SEL AWD $202 $320 $270 $16 $80 $888 $74
Flex Limited 2WD $202 $320 $270 $16 $80 $888 $74
Flex Limited AWD $202 $320 $270 $16 $80 $888 $74
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in your specific Honolulu location which can modify rates significantly.

Higher deductibles save money

One frequently asked question is how high should your deductibles be. The following insurance rates may help to illustrate the premium difference between high and low coverage deductibles. The first pricing table uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Ford Flex insurance rates 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 rates 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
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in garaging location in Honolulu which can alter coverage prices considerably.

Based on the data above, we can derive that using a $100 deductible will cost you about $21 more each month or $252 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 19 months between claims, you would save more money by going with a higher deductible.

The diagram below highlights how deductible selection and can influence Ford Flex insurance premiums for each age group. The information is based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Five factors that influence insurance prices

Smart consumers have a good feel for some of the things that help determine your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that could help you find much lower annual insurance costs. Many factors are taken into consideration when premium rates are determined. A few of the factors are predictable such as your driving history, although some other factors are less apparent like your vehicle usage or how financially stable you are.

The factors shown below are some of the most rate-impacting factors that factor into your rate level.

Liability coverage risk factors – Your auto insurance policy’s liability coverage provides coverage in the event that a jury decides you are liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Do thieves like your car? – Selecting a car model with an alarm system can help lower your premiums. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms can help prevent your car from being stolen.

Driver age impacts rates – Drivers with little experience have been known to get distracted easily when behind the wheel therefore auto insurance rates are much higher. Having to add a teen driver onto your auto insurance can really hurt. Older drivers are proven to be safer behind the wheel, tend to file fewer claims, and usually have better credit.

The chart below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

See if your company offers a multi-policy discount – Most major auto insurance companies afford lower prices to buyers who carry more than one policy in the form of a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even with this discount applied, consumers should still get quotes from other companies to help guarantee you have the best rates.

What type of car do you drive? – The performance of the car or truck you are insuring makes a substantial difference in determining your rates. The cheapest insurance rates will generally be found on small economy passenger vehicles, but the cost you end up paying is determined by many additional factors.

The following data assumes a married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It compares Ford Flex car insurance rates compared to other makes and models that have a range of performance risks.

Insurance loss probability for a Ford Flex – Insurance companies use past insurance losses to help calculate a profitable premium rate. Models that the data determines to have a trend towards higher claim severity or frequency will cost more for coverage.

The table below shows the actual insurance loss data for Ford Flex vehicles. For each coverage type, the statistical loss for all vehicles, as a total average, is equal to 100. Numbers below 100 indicate better than average losses, while values that are above 100 point to more frequent losses or a tendency for losses to be larger than average.

Insurance Loss Ratings for Ford Flex Vehicles
Vehicle 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

Car insurance savings summarized

Some insurance providers may not offer the ability to get quotes online and many times these smaller providers only sell coverage through independent insurance agencies. Cheap Ford Flex insurance in Honolulu is definitely available both online and from local agencies, so compare prices from both to have the best selection.

Insureds switch companies for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, questionable increases in premium and even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is easier than you think.

As you quote Honolulu car insurance, don’t be tempted to skimp on coverage in order to save money. In too many instances, someone sacrificed full coverage and found out when filing a claim they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

How to find cheaper quotes for Ford Flex insurance in Honolulu

If saving the most money is your goal, then the best way to get the cheapest car insurance rates in Honolulu is to begin comparing prices regularly from different companies that insure vehicles in Hawaii.

An essential thing to point out is to use the same deductibles and limits on every price quote and and to get prices from every insurance company. This provides an apples-to-apples comparison and a complete rate analysis.

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