Cheap 2014 Ford Five Hundred Insurance Quotes

Looking for lower insurance rates? Shoppers have many options when shopping for the best price on Ford Five Hundred insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance and we’ll show you the best way to compare rates for your Ford and obtain the cheapest rates.

Consumers need to price shop coverage quite often because prices trend upward over time. If you had the best rate on Five Hundred coverage two years ago other companies may now be cheaper. You can find a lot of misleading information regarding insurance out there, but we’re going to give you some excellent ideas to find cheap insurance.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you stand a good chance to be able to save some money using these tips. Vehicle owners only need to know the proper methods to get comparison quotes on the web.

The method we recommend to compare car insurance rates is to understand most of the bigger providers will pay a fee to quote your coverage. The only thing you need to do is provide details including which vehicles you own, how old drivers are, how you use your vehicles, and whether you have decent credit. That rating data gets sent immediately to multiple insurance coverage providers and they respond with quotes almost instantly.

Lower rate quotes with discounts

Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so the following is a list of some of the best known as well as some of the hidden credits available to lower your premiums when you buy insurance online. If you don’t get every credit available, you are paying more than you should be.

  • No Accidents – Drivers who don’t have accidents can save substantially as opposed to drivers who are more careless.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn better prices on cars that stay parked.
  • Driver Safety – Participating in a course in defensive driver could earn you a small percentage discount and easily pay for the cost of the class.
  • Telematics Data Discounts – Insureds who allow their auto insurance company to scrutinize when and where they use their vehicle remotely such as Progressive’s Snapshot could save a few bucks if they show good driving skills.
  • Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% on Five Hundred coverage than less cautious drivers.
  • Student Driver Training – Teen drivers should participate in a local driver’s education class in high school.
  • Multi-car Discount – Drivers who insure all your vehicles on one policy can get a discount on all vehicles.

Keep in mind that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Insurance companies who might offer most of the discounts above include:

It’s a good idea to ask each company or agent how many discounts you can get. Some discounts listed above may not be available in your area. To locate auto insurance companies that offer some of these discounts, click here to view.

What is the best auto insurance coverage?

When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Does insurance cover tools stolen from my truck?
  • What is medical payments coverage?
  • Are my friends covered when driving my 2014 Ford Five Hundred?
  • When would I need additional glass coverage?
  • Do I need roadside assistance coverage?
  • Can I drive in Mexico and have coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What are the best liability limits?

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, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance rates are influenced by these factors

A large part of saving on insurance is knowing some of the things that play a part in calculating the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with big savings. Many factors are used when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although others are not quite as obvious such as whether you are married or your vehicle rating.

  • Fewer miles means better premiums – The more you drive in a year the higher the price you pay to insure it. Almost all companies rate vehicles partially by how you use the vehicle. Autos that are left in the garage get more affordable rates than vehicles that are driven to work every day. It’s a good idea to make sure your insurance policy correctly shows how each vehicle is driven. Having the wrong rating on your Five Hundred can cost quite a bit.
  • Premiums increase with driving tickets – Good drivers receive lower rates as compared to careless drivers. Only having one chargable violation may increase your cost twenty percent or more. Drivers who have received multiple violations like reckless driving or DUI may find they need to file a proof of financial responsibility form (SR-22) with their state in order to keep their license.
  • Experienced drivers are lower risk – Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents .Beginning drivers are statistically proven to get distracted easily behind the wheel and because of this, their insurance rates are much higher.
  • More people means more accidents – Residing in less populated areas may provide you with better prices when insuring your vehicles. Less people living in that area translates into fewer accidents in addition to fewer liability claims. People who live in big cities have to deal with much more traffic and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
  • Your credit score is important – Having a bad credit score will be a significant factor in determining your rates. So if your credit history can use some improvement, you could save money insuring your 2014 Ford Five Hundred by repairing your credit. Consumers who have very good credit scores tend to file fewer claims as compared to drivers with lower credit scores.

Do drivers who switch really save?

Drivers can’t escape the ads that promise big savings by Progressive, Allstate and Geico. They all have a common claim about savings if you move your auto insurance policy to them.

How does every auto insurance company offer you a better deal? Just pay attention to how they say it.

Auto insurance companies have an ideal profile for the type of customer that will add to their bottom line. For instance, this type of risk profile could be over the age of 50, insures multiple vehicles, and drives a safe vehicle. A propective insured that fits those parameters will get the preferred premium rates and have a good chance to save when they switch companies.

Potential customers who are not a match for these criteria may be required to pay a higher rate and ends up with the customer buying from a different company. The ad wording is “customers who switch” not “all people who quote” save that much when switching. This is how companies can truthfully make it sound like they have such great car insurance rates. Different companies use different criteria so it’s extremely important to get a wide range of price quotes. You cannot predict which auto insurance company will provide the lowest rates.

Specifics of your auto insurance policy

Having a good grasp of auto insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, hospital visits and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford Five Hundred.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, damage from flooding, hitting a bird, hail damage and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

This can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like repair costs for stationary objects, medical expenses, emergency aid and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Five Hundred from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

In conclusion

While you’re price shopping online, you should never skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage and learned later that it was a big mistake. The goal is to purchase plenty of coverage at the best price, not the least amount of coverage.

Drivers switch companies for any number of reasons including being labeled a high risk driver, unfair underwriting practices, policy non-renewal and even high prices. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

We just showed you a lot of tips how to get a better price on 2014 Ford Five Hundred insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper insurance. You may even find the most savings is with some of the smallest insurance companies.

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