Compare 2006 Ford Five Hundred Car Insurance Rates

Trying to find the cheapest insurance rates for your Ford Five Hundred? Paying cheap coverage rates for insurance is a challenge for drivers who have little experience comparison shopping online. Drivers have so many options available that it can quickly become a real difficult job to locate the lowest coverage rates.

Low cost car insurance prices

Shopping for lower car insurance rates can be challenging if you don’t understand the best way to get rate quotes. You could spend the better part of a day driving to agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most major companies participate in an industry program where insurance shoppers complete one form, and each company then returns a price quote based on that data. This eliminates the need for repetitive form submissions to each individual car insurance company.

To get comparison pricing now click here to start a free quote.

The one downside to doing it this way is you are unable to specify which carriers you want pricing from. So if you want to choose individual companies for rate comparison, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare the same coverages and limits on every price quote you get. If you have different coverage information it will be very difficult to decipher which rate is best. Just slight variations in insurance coverages can make a big difference in price. It’s important to know that comparing more quotes will increase your chances of finding the best rates. Not every company provides price estimates online, so it’s recommended that you also compare prices from the smaller companies as well.

Insurance coverage is unique, just like you

When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

Is my Ford Five Hundred covered if I use it for business?
Will I be non-renewed for getting a DUI or other conviction?
How much liability do I need to cover my assets?
Should I bundle my homeowners policy with my auto?
Is upholstery damage covered by car insurance?
Are rental cars covered under my policy?
How do I buy GAP insurance?
Do I need roadside assistance coverage?
How does medical payments coverage work?
Can I drive in Mexico and have coverage?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, prosthetic devices, doctor visits and funeral costs. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Ford Five Hundred.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, repair bills for other people’s vehicles, structural damage and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle, falling objects and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays for damage to your Five Hundred resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.