How Much Does 2013 Ford Five Hundred Car Insurance Cost?

Trying to find lower insurance coverage rates for your Ford Five Hundred? Pretty sure you bought high-priced insurance coverage? Say no more because there are many drivers thinking the same thing.

Companies like State Farm, Allstate, Geico and Progressive increase brand awareness with ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a good idea to do price comparisons occasionally because insurance coverage prices are constantly changing. Just because you had the best price for Five Hundred coverage a few years ago you can probably find a better rate quote now. Ignore everything you know about insurance coverage because we’re going to demonstrate the fastest and easiest way to reduce your cost while improving coverage.

How to shop car insurance online

To find the best car insurance prices, there are several ways to compare prices from different companies. The best way to do a complete rate comparison is to use the internet to compare rates. It’s really quite simple and can be done in just a few minutes using one of these methods.

  • The single most time-saving way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do separate quotation requests to each individual car insurance company. In just a few minutes this one form gets you coverage quotes from several companies.
  • A more difficult way to compare rate quotes requires you to visit the website for each individual company to complete a price quote. For examples sake, let’s say you want to see prices from Auto-Owners, Allstate and Progressive. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use the same coverage limits and deductibles with every price quote. If you are comparing different coverage information it will be next to impossible to determine the lowest rate for your Ford Five Hundred. Just slight variations in coverage limits can make a big difference in price. And when comparison shopping, making a lot of price comparisons will enable you to find a lower rate.

Drivers who switch save $494 a year? Really?

Car insurance companies such as State Farm, Allstate and Geico seem to constantly run television and radio advertisements. They all have a common claim about how much you will save just by moving your car insurance policy to them. How is it plausible that every one can charge you less for auto insurance? Here is how they do it.

All companies have specific criteria for the type of customer that makes them money. For example, a profitable customer should be between the ages of 30 and 50, has no driving citations, and drives less than 5,000 miles a year. Someone that hits that “sweet spot” will probably get the lowest rates and as a result will probably save money with a new company.

People who are not a match for the requirements will probably have to pay higher premiums which translates to business not being written. The ads say “people who switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can confidently claim big savings. That is why it is so important to compare free auto insurance quotes often. Because without a comparison, you cannot know which car insurance company will have the lowest rates.

Discounts for cheap car insurance rates

Insuring your vehicles can cost a lot, but you may be missing some discounts that many consumers don’t even know exist. Some of these disounts will be visible when you complete an application, but less common discounts must be requested specifically before being credited. If you don’t get every credit possible, you are paying more than you should be.

  • Senior Discount – Seniors may receive a slight reduction on a auto insurance quote for Five Hundred coverage.
  • Waiver for an Accident – Not really a discount, but certain companies will allow you to have one accident before hitting you with a surcharge so long as you are claim-free for a set time period.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations can get you a small discount when getting a auto insurance quote.
  • Low Mileage – Driving less may allow you to get lower rates on the low mileage vehicles.
  • Driver Training Discounts – Taking a driver safety class could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Life Insurance – Larger companies have a small discount if you purchase life insurance from them.
  • Discount for New Cars – Buying insurance coverage on a new vehicle can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Accident Free – Insureds who avoid accidents and claims get the best car insurance rates as compared to insureds who have frequent claims or accidents.

We need to note that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

If you would like to see a list of providers who offer online car insurance quotes, click here to view.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether you would benefit from an agent’s advice.

  • Are my friends covered when driving my 2013 Ford Five Hundred?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I get collision insurance on every vehicle?
  • Do I have newly-aquired coverage?
  • Why am I required to buy liability insurance?
  • What is the ISO rating for a 2013 Ford Five Hundred?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when pulling a U-Haul trailer?
  • What happens if I owe more than my 2013 Ford Five Hundred is worth?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage breakdown

Learning about specific coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average car insurance policy.

Liability coverage – Liability coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, repair costs for stationary objects, court costs and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage, hail damage, hitting a deer and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, chiropractic care, EMT expenses, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Five Hundred.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverages – This will pay to fix damage to your Five Hundred resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

You can do this!

As you quote auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Budget-friendly insurance can be sourced on the web and from local insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some insurance companies may not offer online price quotes and these smaller providers provide coverage only through local independent agencies.

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