Save Money on Ford Flex Insurance in Charlotte

No normal person rejoices having to buy auto insurance, particularly when they could get a better deal.

Discount Ford Flex insuranceUnfortunately, a large majority of consumers have remained with the same auto insurance company for well over three years, and 38% of customers have never even shopped around for cheaper coverage. Charlotte consumers could save up to $94 every year by just comparing rate quotes, but they just don’t understand how much money they would save if they swap their current policy for a cheaper one.

How to buy lower priced Ford Flex insurance in Charlotte

It takes a little time, but the best way to find affordable Ford Flex insurance in Charlotte is to annually compare prices from companies who sell auto insurance in North Carolina. You can compare rates by completing these steps.

  1. Try to learn about how insurance companies determine prices and the things you can change to drop your rates. Many policy risk factors that cause high rates like inattentive driving and a lousy credit rating can be eliminated by paying attention to minor details. Keep reading for more details to help prevent costly coverage and find missing discounts.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of companies.
  3. Compare the price quotes to your existing rates and determine if cheaper Flex coverage is available. If you can save money, verify that coverage does not lapse between policies.
  4. Give proper notification to your current agent or company to cancel your current car insurance policy and submit a down payment and signed policy application to your new carrier. When you receive it, place the new certificate verifying coverage with your registration paperwork.

One tip to remember is to use the same amount of coverage on each quote and and to get rates from as many different insurance providers as possible. This provides an apples-to-apples comparison and a better comparison of the market.

There is such a variety of car insurance companies to pick from, and even though it’s nice to have multiple companies, more options can take longer to locate the cheapest rates for Ford Flex insurance in Charlotte.

Locating the best rates in Charlotte can be made easier if you know where to look. If you have insurance now, you should be able to get lower rates using the following tips. Nevertheless, North Carolina car owners can benefit by having an understanding of how companies compete online and use this information to your advantage.

The fastest way that we advise to get policy rate comparisons for Ford Flex insurance in Charlotte is to know the trick most of the larger companies allow for online access to give you rate quotes. To get started, all you need to do is provide details including deductibles desired, marital status, your credit rating estimate, and what your job is. The data is instantly submitted to all major companies and they respond with quotes instantly.

If you would like to start a quote now, click here and enter your zip code.

The companies shown below can provide quotes in Charlotte, NC. To locate the cheapest auto insurance in Charlotte, it’s highly recommended you get rate quotes from several of them to get a more complete price comparison.

Rates and information analytics

The information shown next showcases different coverage prices for Ford Flex models. Learning more about how insurance policy rates are formulated can be useful when making informed decisions when comparing rates.


Ford Flex Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $210 $318 $254 $16 $76 $874 $73
Flex SEL 2WD $210 $374 $254 $16 $76 $930 $78
Flex SEL AWD $234 $374 $254 $16 $76 $954 $80
Flex Limited 2WD $234 $374 $254 $16 $76 $954 $80
Flex Limited AWD $234 $374 $254 $16 $76 $954 $80
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can decrease or increase premium rates noticeably.

Deductible analysis

One frequently asked question is which deductible level should you buy. The comparisons below can help illustrate the rate difference when you choose different insurance deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.


Ford Flex insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $218 $324 $250 $14 $74 $905 $75
Flex SEL 2WD $218 $382 $250 $14 $74 $963 $80
Flex SEL AWD $242 $382 $250 $14 $74 $987 $82
Flex Limited 2WD $242 $382 $250 $14 $74 $987 $82
Flex Limited AWD $242 $382 $250 $14 $74 $987 $82
Get Your Own Custom Quote Go

Ford Flex insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Flex SE 2WD $176 $262 $250 $14 $74 $776 $65
Flex SEL 2WD $176 $308 $250 $14 $74 $822 $69
Flex SEL AWD $196 $308 $250 $14 $74 $842 $70
Flex Limited 2WD $196 $308 $250 $14 $74 $842 $70
Flex Limited AWD $196 $308 $250 $14 $74 $842 $70
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific zip code location which can revise price quotes greatly.

We can estimate from the data above that using a $250 deductible costs approximately $11 more each month or $132 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 23 months between claim filings, you would save more money by going with a higher deductible. Below is how you can make your own decision.

Average monthly premium for $250 deductibles: $80
Average monthly premium for $500 deductibles (subtract): – $69
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

The information below demonstrates how deductibles and can raise or lower Ford Flex insurance costs for different age groups. The prices are based on a single male driver, full coverage, and no discounts are factored in.

It’s not one size fits all

When choosing a policy, there really is not a one-size-fits-all type of policy. Everyone’s situation is a little different so your insurance needs to address that.Drive safe and save
These are some specific questions may help highlight whether or not you may require specific advice.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Comparing prices from local Charlotte insurance agencies

Some people just prefer to get professional advice from a licensed agent and that is a smart decision The best thing about getting online price quotes is the fact that drivers can get cheap auto insurance quotes and still have a local agent.

Insurance agents in CharlotteTo find an agent, once you fill out this quick form, the quote information is immediately sent to local insurance agents that can provide free Charlotte car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to drive around since rate quotes are delivered immediately to your email address. You’ll get the best rates without the usual hassles of price shopping. If you want to get a price quote from a specific insurance company, you can always navigate to their website and give them your coverage information.

Finding the right insurer should depend on more than just a cheap quote. Any good agent in Charlotte should know the answers to these questions.

If you are wanting to purchase auto insurance from a reliable insurance agent, it helps to know the two different types of agents that you can select. Auto insurance agents can either be exclusive or independent agents depending on their company appointments.

Exclusive Auto Insurance Agencies

These agents work for only one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on sales techniques and that allows them to sell at a higher price point.

The following is a short list of exclusive agents in Charlotte that are able to give price quote information.


8316 Medical Plaza Dr aCharlotte, NC 28262(704) 549-1515View Map


8124 S Tryon St, Ste A3Charlotte, NC 28273(704) 583-8393View Map


5412 Central Ave bCharlotte, NC 28212(704) 535-4090View Map

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Independent Agents

Agents in the independent channel are not required to write business for one company so they can insure your vehicles amongst many companies depending on which coverage is best. If they find a lower price, your policy is moved internally which requires no work on your part.

If you need lower rates, you will want to get several quotes from at a minimum one independent agency to get the best comparison.

Shown below is a short list of independent insurance agencies in Charlotte that can give you rate quotes.


8820 University E Dr Ste BCharlotte, NC 28213(704) 945-2331View Map


537 W Sugar Creek Rd # 104BCharlotte, NC 28213(704) 598-4442View Map


5113 Piper Station Dr #207Charlotte, NC 28277(704) 536-0995View Map

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After you get reasonable responses to any questions you may have as well as an affordable premium quote, chances are good that you have found a car insurance agent that is reliable enough to service your policy.