Lower Your 1999 Ford Five Hundred Insurance Quotes

Searching for low-cost insurance for a Ford Five Hundred can be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to buy insurance coverage so we’re going to tell you the quickest way to compare rates on a Ford and get the best price possible either online or from local insurance agents.

Cheapest auto insurance quotes

Getting a cheaper price on 1999 Ford Five Hundred insurance is a fairly straight forward process. All you need to do is take a few minutes comparing rate quotes from online providers. This can be accomplished in several different ways.

  • The most recommended method to get quotes would be an industry-wide quote request form like this one (opens in new window). This style of form prevents you from having to do repetitive form entry for each price estimate. Taking the time to complete one form gets coverage cost estimates direct from many companies. Just one form and you’re done.
  • A more difficult way to compare prices requires visiting the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want to view quotes from USAA, Farmers and Progressive. In order to compare rates, you need to spend time going to each site individually to input your insurance information, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

Whichever way you choose to compare rates, be sure you’re using equivalent deductibles and coverage limits with each company. If you compare unequal deductibles or liability limits it will be impossible to make a fair comparison for your Ford Five Hundred.

Save a ton by taking advantage of discounts

Insurance coverage is neither fun to buy or cheap, but there could be available discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but some may not be applied and must be manually applied prior to getting the savings.

  • Pay Early and Save – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
  • Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction for Five Hundred insurance depending on your company.
  • Membership in Organizations – Joining a qualifying organization could trigger savings when getting a car insurance quote.
  • Anti-theft System – Vehicles optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase life insurance.
  • Accident Forgiveness – Not a discount per se, but a few companies such as Geico, State Farm, and Progressive allow you one accident before your rates go up if your claims history is clear for a certain period of time.

It’s important to understand that some of the credits will not apply to the entire cost. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like you could get a free insurance coverage policy, it’s just not the way it works. But all discounts will cut your insurance coverage premiums.

Popular insurance coverage companies and some of their more popular discounts can be read below.

  • State Farm may have discounts that include safe vehicle, student away at school, good driver, Steer Clear safe driver discount, and passive restraint.
  • American Family offers discounts including early bird, TimeAway discount, accident-free, air bags, good driver, and good student.
  • AAA has savings for pay-in-full, multi-policy, good student, good driver, anti-theft, AAA membership discount, and education and occupation.
  • Geico offers discounts for multi-vehicle, multi-policy, membership and employees, five-year accident-free, driver training, and defensive driver.
  • Mercury Insurance may include discounts for anti-theft, annual mileage, good driver, age of vehicle, low natural disaster claims, and location of vehicle.
  • Farmers Insurance includes discounts for business and professional, teen driver, distant student, switch companies, youthful driver, bundle discounts, and pay in full.
  • Progressive offers premium reductions for multi-vehicle, homeowner, online signing, online quote discount, and continuous coverage.

It’s a good idea to ask every insurance company which discounts they offer. Savings may not be offered in your area.

Lower your insurance rates

When buying insurance coverage it’s important to understand the rating factors that go into determining your policy premiums. When consumers understand what influences your rates, this allows you to make educated decisions that may reward you with big savings. Many factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, although others are less obvious like your vehicle usage and annual miles driven.

The factors shown below are a few of the “ingredients” used by insurance companies to determine your rates.

  • Does your job cost you more? – Occupations like real estate brokersair traffic controllers and miners generally have higher premiums than the average policyholder due to high stress levels and lengthy work days. On the flip side, occupations such as actors, athletes and homemakers generally pay rates lower than average for Five Hundred insurance.
  • Lower annual miles equals lower premium – The more you drive your Ford every year the higher your rates will be. Most insurance companies charge rates partially by how you use the vehicle. Vehicles that have low annual miles receive lower rates than cars that get driven a lot. Double check that your policy states how each vehicle is driven, because it can save money. A policy that improperly rates your Five Hundred can result in significantly higher rates.
  • Deter vehicle theft – Choosing to buy a car with advanced anti-theft systems can get you a discount on your insurance coverage. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
  • Your credit rating is important – Having a bad credit history factor in your rate calculation. If your credit could use some work, you could save money insuring your 1999 Ford Five Hundred if you improve your credit rating. Insureds with high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • How your age affects costs – More mature drivers are viewed as being more responsible, cause fewer claims and accidents , and are generally more financially stable.Teenage drivers are statistically proven to be more careless in a vehicle and because of this, their insurance coverage rates are much higher.
  • Minor frequent insurance coverage claims are not good – Companies award better rates to insureds who do not file claims often. If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Avoid tickets and save – Your driving citation history impacts your car insurance rates tremendously. Even a single citation can bump up the cost to the point where it’s not affordable. Good drivers receive lower rates than their less careful counterparts. Drivers who have dangerous citations like DUI or reckless driving are required to maintain a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.

How much auto insurance do I need?

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs could use an agent’s help.

  • Does my 1999 Ford Five Hundred need full coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need replacement cost coverage?
  • When should I remove comp and collision on my 1999 Ford Five Hundred?
  • Why is insurance for a teen driver so high?
  • How much liability insurance is required?
  • Should I bundle my homeowners policy with my auto?
  • When does my teenage driver need to be added to my policy?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Advertising and auto insurance

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, Geico and Progressive. They all make an identical promise of big savings if you change your coverage.

How do they all charge lower premium rates? This is how they do it.

Auto insurance companies give the best rates for the type of driver that earns them the most money. An example of a desirable insured could possibly be over the age of 40, has no prior claims, and does not commute to work. Anyone who matches that profile will get a cheap rate quote and will most likely cut their rates if they switch.

Potential customers who may not quite match the “perfect” profile will have to pay higher premium rates with the end result being business going elsewhere. The trick companies use is to say “drivers who switch” not “all people who quote” save that much when switching. This is how insurance companies can lure you into getting a quote.

Because of this risk profiling, you really should quote coverage with many companies. It’s just not possible to know the company that will have better car insurance rates than you’re paying now.

Car insurance coverages explained

Understanding the coverages of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability car insurance

This coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, funeral expenses, attorney fees, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision protection

Collision coverage covers damage to your Five Hundred resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, driving through your garage door, backing into a parked car, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Ford Five Hundred.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like prosthetic devices, funeral costs, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Get your money’s worth

We just showed you many ways to shop for 1999 Ford Five Hundred insurance online. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates come from a lesser-known regional company.

Drivers leave their current company for many reasons like policy cancellation, extreme rates for teen drivers, high rates after DUI convictions and even lack of trust in their agent. No matter why you want to switch, switching auto insurance companies is pretty easy and you might even save some money in the process.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

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