1991 Ford Five Hundred Car Insurance Quotes – 5 Tips for Best Rates

Trying to find low-cost insurance for a Ford Five Hundred could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to buy insurance coverage and you need to know the absolute fastest way to compare rates for a Ford and get the cheapest rates.

Finding the best rates is quite easy. If you have a policy now or are looking for a new policy, you can use these techniques to find the best rates while maximizing coverage. Drivers just need to understand the proper methods to compare price quotes online.

Cheapest insurance price quotes

Comparing insurance rates can be challenging if you don’t utilize the easiest way. You can spend your afternoon driving to local insurance agents in your area, or you could use online quotes to maximize your effort.

Many popular insurance companies take part in a program where prospective buyers only type in their quote data once, and each company then gives them pricing for coverage. This system prevents you from having to do quote forms for each company. To compare rates using this form now click here (opens in new window).

One minor caviat to using this type of system is buyers cannot specifically choose which carriers you will receive quotes from. If you wish to select from a list of companies to request quotes from, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use the exact same information on every quote you get. If you use different deductibles it’s impossible to make a fair rate comparison.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help highlight if your situation might need professional guidance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I carry comprehensive and collision coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need medical payments coverage since I have good health insurance?
  • I don’t drive much so do I pay less?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Auto insurance specifics

Having a good grasp of auto insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages

This provides protection from damage that occurs to other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as bail bonds, medical services, court costs, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as pain medications, hospital visits, doctor visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This covers damage to your Five Hundred resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.