Comparing Philadelphia auto insurance quotes online may seem complicated initially if you have never used online price comparisons. Don’t let that stop you because it’s actually quite easy to find cheap Ford Flex in Philadelphia.
It’s a known fact that car insurance companies want to keep you from comparing prices. Insureds who shop rates annually are highly likely to buy a different policy because there is a good chance of finding coverage at a more affordable price. A recent survey revealed that consumers who routinely compared quotes saved approximately $72 a month compared to drivers who never shopped around for lower prices.
If saving money on insurance in Philadelphia is why you’re here, then having a grasp of the best ways to find and compare insurance premiums can help simplify the task of finding more affordable coverage.
When comparison shopping, comparing a large number of companies helps locate the best price.
The companies shown below are our best choices to provide comparison quotes in Pennsylvania. If the list has multiple companies, we suggest you get rates from several of them to get the best price comparison.
Ford Flex insurance statistics and information
The rate information below covers different insurance rates for Ford Flex models. Learning more about how auto insurance prices are formulated can be useful when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $276 | $484 | $428 | $26 | $128 | $1,342 | $112 |
| Flex SEL 2WD | $276 | $570 | $428 | $26 | $128 | $1,428 | $119 |
| Flex SEL AWD | $308 | $570 | $428 | $26 | $128 | $1,460 | $122 |
| Flex Limited 2WD | $308 | $570 | $428 | $26 | $128 | $1,460 | $122 |
| Flex Limited AWD | $308 | $570 | $428 | $26 | $128 | $1,460 | $122 |
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in your specific Philadelphia location which can increase or decrease premium rates considerably.
The illustration below illustrates how your choice of deductibles and can influence Ford Flex insurance costs for different age groups of insureds. The premiums assume a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
How violations and accidents impact rates
The illustration below illustrates how speeding tickets and at-fault accidents can impact Ford Flex premium costs for each different age category. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Annual premiums comparing men and women in Philadelphia
The diagram below compares Ford Flex auto insurance costs for male and female drivers. The premium estimates are based on no violations or claims, full physical damage coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.
There’s no such thing as the perfect auto insurance policy
When it comes to buying a policy for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed.
For example, these questions might point out whether or not you might need an agent’s assistance.
- Do I need special endorsements for business use of my vehicle?
- Am I covered if I have no license?
- Do I pay less if my vehicle is kept in my garage?
- Does my liability insurance cover pulling a trailer or camper?
- What is glass protection for?
- How much liability coverage do I need in Pennsylvania?
- Is rental equipment covered for theft or damage?
- Is a new car covered when I drive it off the dealer lot?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Shop online but buy locally
Some consumers would rather go talk to an agent and that can be a great decision A good thing about comparing insurance prices online is you may find cheap car insurance quotes and still have an agent to talk to. Putting coverage with neighborhood agents is important especially in Philadelphia.
Once you complete this simple form, your insurance coverage information is sent to local insurance agents who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents since rate quotes are delivered to your email. You can find lower rates AND an agent nearby. If you need to compare prices from a specific insurance company, you can always go to their quote page and give them your coverage information.
Pick the best auto insurance agent in Philadelphia for you
If you want to buy car insurance from a reputable insurance agent or broker, you must know there are a couple types of agencies and how they differ in how they quote coverages. Insurance agencies in Philadelphia are either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents (or Brokers)
These agents are normally appointed by many insurers and that is an advantage because they can write policies with an assortment of companies and possibly get better coverage at lower prices. If they find a lower price, the agent simply finds a different carrier and you don’t have to do anything.
When comparing car insurance prices, you will want to compare quotes from a few independent agents to have the most options to choose from. Most also write with different regional companies which could offer lower prices.
Shown below is a small list of independent agents in Philadelphia that may be able to give you free car insurance quotes.
- Kowalewski Jawork Insurance Agency Inc
706 S 5th St – Philadelphia, PA 19147 – (215) 922-1222 – View Map - Torri Insurance Agency
214 Fairmount Ave – Philadelphia, PA 19123 – (800) 701-5909 – View Map - HandM Insurance Agency
5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map
Exclusive Insurance Agencies
These type of agents can only write with one company like Allstate and State Farm. They generally cannot give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents are usually well trained on what they offer which aids in selling service over price. Consumers often use the same exclusive agent partially due to the prominent brand name and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive agencies in Philadelphia that are able to give price quotes.
- Pamela R Wilkins – State Farm Insurance Agent
8912 Frankford Ave – Philadelphia, PA 19136 – (215) 331-4500 – View Map - Steven Breinlinger – State Farm Insurance Agent
7904 Germantown Ave – Philadelphia, PA 19118 – (267) 323-2923 – View Map - Jack Stabler – State Farm Insurance Agent
6726 Torresdale Ave – Philadelphia, PA 19135 – (215) 331-4300 – View Map
Selecting a insurance agent shouldn’t rely on just a low price. These are some questions your agent should answer.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are there any discounts that you might be missing?
- Do they make recommendations based only on price?
- Are all drivers listed on the coverage quote?
- Where would glass claims be handled in Philadelphia?