Find Affordable Ford Flex Insurance in Kansas City

Discount Ford Flex insuranceIf saving the most money is your goal, then the best way to find lower priced car insurance rates is to compare prices annually from insurers that sell auto insurance in Kansas City. Drivers can shop around by following these steps.

An important part of this process is to try to use similar coverage information on each quote and and to look at as many companies as you can. This ensures an accurate price comparison and a thorough selection of prices.

It goes without saying that car insurance companies want to keep you from comparing rates. Drivers who get price comparisons are very likely to move their business because of the good chance of finding a lower rate. Remarkably, a study showed that consumers who compared rates annually saved an average of $3,400 over four years as compared to drivers who don’t regularly compare prices.

If finding the best rates on Ford Flex insurance in Kansas City is the reason you’re reading this, then learning a little about the best way to quote and compare insurance premiums can save time and money.

Just remember that getting more free quotes helps locate the best price.

The companies in the list below are ready to provide comparison quotes in Kansas City, MO. To find cheap auto insurance in Kansas City, we recommend you compare several of them to get the best price comparison.

Three good reasons to insure your Flex

Despite the fact that car insurance is not cheap in Kansas City, insurance may not be optional for several reasons.

The benefits of having car insurance more than offset the price you pay, particularly for liability claims. But the average driver in Missouri overpays as much as $750 every year so you should quote rates each time the policy renews to be sure current rates are still competitive.

Insurance rate breakdown

The rate information shown next highlights detailed analysis of insurance rates for Ford Flex models. Understanding how auto insurance premiums are calculated can be of help when making decisions when shopping around.

Ford Flex Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $140 $250 $322 $20 $96 $828 $69
Flex SEL 2WD $140 $296 $322 $20 $96 $874 $73
Flex SEL AWD $156 $296 $322 $20 $96 $890 $74
Flex Limited 2WD $156 $296 $322 $20 $96 $890 $74
Flex Limited AWD $156 $296 $322 $20 $96 $890 $74
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in your specific Kansas City location which can lower or raise price quotes substantially.

The chart below demonstrates how deductibles and can change Ford Flex insurance premiums for different age groups of insureds. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Liability only or full coverage

The diagram below visualizes the comparison of Ford Flex insurance prices with and without full coverage. The price estimates are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no definitive formula to delete full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s assume your Ford Flex claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after you pay the deductible. If premium cost is more than $300 annually to have full coverage, then it might be time to buy liability only.

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 are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Affordable Kansas City insurance rates with discounts

Auto insurance companies don’t always advertise all their discounts very well, so the next list breaks down some of the best known as well as the least known credits available to lower your premiums when you buy Kansas City auto insurance online.Save money with discounts

Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

The chart below illustrates the comparison of Ford Flex insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no claims or driving violations, Missouri state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-policy, homeowner, and multi-car discounts applied.

Some of the insurance companies who may offer these discounts are:

If you need low cost Kansas City auto insurance quotes, ask every company which discounts you qualify for. A few discounts may not apply to policyholders in your state. To see insurance companies with significant discounts in Kansas City, click here.

Which car insurance company is best in Missouri?

Insuring your vehicle with the top insurer can be challenging considering how many companies there are in Missouri. The company information below can help you choose which car insurance providers you want to consider shopping your coverage with.

Top 10 Kansas City Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 92%
  2. American Family – 88%
  3. State Farm – 88%
  4. Nationwide – 88%
  5. 21st Century – 88%
  6. AAA Insurance – 87%
  7. Liberty Mutual – 87%
  8. Farmers Insurance – 87%
  9. The Hartford – 87%
  10. Progressive – 87%