Save on 2015 Ford Five Hundred Insurance Quotes

Searching for better insurance coverage rates for your Ford Five Hundred? Shopping for the most affordable insurance coverage on the web can appear to be somewhat difficult for comparing and buying insurance coverage over the internet. Since there are so many online companies available, how are vehicle owners expected to possibly compare the different rates to find better insurance coverage prices?

You should take the time to compare premium rates occasionally because insurance prices trend upward over time. Just because you had the best rate for Five Hundred insurance a few years ago you can probably find a better premium rate now. There is too much inaccurate information about insurance coverage on the internet, but I’m going to show you some great ways to put money back in your pocket.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. Pricing the lowest cost insurance coverage coverage is quite easy. Nevertheless, consumers can benefit from knowing the way insurance companies market on the web and use this information to your advantage.

Auto insurance policy discounts you can’t miss

Some insurance providers do not advertise every disount available in a way that’s easy to find, so the list below details a few of the more well known and the harder-to-find credits available to lower your premiums when you buy car insurance online.

  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you may have a lower total premium amount.
  • Buy New and Save – Buying a new car model can cost up to 25% less because newer models have to meet stringent safety requirements.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up before driving could save 15% off the personal injury premium cost.
  • Multi-policy Discount – If you can bundle your auto and home insurance and insure them with the same company you could save over 10 percent off each policy depending on the company.
  • Clubs and Organizations – Joining a professional or civic organization can get you a small discount when getting a car insurance quote.
  • Cautious Drivers – Drivers without accidents may receive a discount up to 45% for Five Hundred insurance than their less cautious counterparts.
  • Sign Online – Some of the larger companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
  • Accident Forgiveness – Not a discount per se, but some companies like Geico, State Farm, and Progressive will turn a blind eye to one accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
  • Life Insurance Discount – If the company offers life insurance, you could get a discount if you purchase life insurance.

We need to note that some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, insurance companies wouldn’t stay in business.

A few popular companies and some of the discounts are outlined below.

  • State Farm has discounts for multiple autos, anti-theft, safe vehicle, good driver, and passive restraint.
  • Geico has savings for anti-theft, multi-policy, daytime running lights, federal employee, air bags, multi-vehicle, and emergency military deployment.
  • SAFECO may have discounts that include accident prevention training, bundle discounts, homeowner, anti-lock brakes, drive less, and anti-theft.
  • Farmers Insurance includes discounts for switch companies, teen driver, multi-car, early shopping, alternative fuel, good student, and distant student.
  • AAA discounts include good student, good driver, AAA membership discount, anti-theft, multi-policy, education and occupation, and pay-in-full.
  • USAA may include discounts for safe driver, multi-vehicle, good student, new vehicle, annual mileage, and driver training.

Double check with every company which discounts they offer. Some of the earlier mentioned discounts might not be offered in your state. To view insurers offering auto insurance discounts, follow this link.

Buy car insurance online

Performing a rate comparison can be exhausting if you don’t know the easiest way. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize the internet to get prices fast.

Most of the best insurance companies participate in a marketplace where insurance shoppers submit one quote, and each company then returns a price quote. This prevents consumers from doing form submissions to every company.

To participate in this free quote system, click here to start a free quote.

The only downside to comparing rates this way is you are unable to specify which carriers to get pricing from. So if you want to choose specific insurance companies to request quotes from, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same quote information for each quote you get. If you enter higher or lower deductibles it will be impossible to determine which company has the best rates. Having just a slight variation in coverage limits may cause a big price difference. Just remember that having more price comparisons increases your odds of finding the best price. Not every company provides price estimates online, so you also need to get quotes from those companies as well.

Informed drivers can lower insurance rates

Many things are used in the calculation when premium rates are determined. Most are fairly basic like your driving record, although some other factors are more transparent such as your credit history or how financially stable you are.

  • Bundle policies and save money – Some insurers will give a discount to clients who buy several policies from them. It’s known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you already get this discount, drivers will still want to compare other company rates to help ensure you have the lowest rates.There is a good possibility that you can save money even if you have your coverage with different companies
  • If you don’t need it don’t buy it – There are a ton of add-on coverages that can add up if you aren’t careful. Insurance for things like rental car coverage, better glass coverage, and extra life insurance coverage could be just wasting money. They may seem good when discussing your needs, but your needs may have changed so think about removing them and cutting costs.
  • Lower rates by increasing comp and collision deductibles – Comprehensive and collision coverage deductibles are the amount of money you are required to spend if you file a covered claim. Protection for physical damage, aka comp and collision, covers damage that occurs to your car. Some examples of claims that would be covered could be colliding with a stationary object, collision with a deer, and damage from wind. The more money the insured has to pay upfront, the bigger discount you will receive for Five Hundred insurance.
  • Amount of liability – Liability coverage is the coverage that protects you when you are found to be at fault for physical damage or personal injury to other. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Don’t get traffic citations – Drivers who don’t get tickets get better prices than their less careful counterparts. Just one chargable violation can increase rates by twenty percent. Drivers who get severe tickets such as reckless driving or DUI may be required to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Teenage drivers pay more – Teenage drivers tend to be more careless in a vehicle so car insurance rates are higher. Parents adding a first-time driver onto a policy can break the bank. Mature drivers have been proven to be more responsible, file fewer claims and get fewer tickets.
  • Vehicle options that cut rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft and help bring rates down.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions can help discover whether you could use an agent’s help.

  • Can my babysitter drive my car?
  • What is roadside assistance coverage?
  • How can I force my company to pay a claim?
  • I have a DUI can I still get coverage?
  • What is the rate difference between pleasure use and commuting?
  • What should my uninsured motorist coverage limits be in my state?
  • If I drive on a suspended license am I covered?
  • What happens if I owe more than my 2015 Ford Five Hundred is worth?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Auto collision coverage

This will pay to fix damage to your Five Hundred resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hail damage, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include 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. So UM/UIM coverage should not be overlooked.

Coverage for liability

This provides protection from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things such as pain and suffering, structural damage, court costs and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like nursing services, X-ray expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

What is YOUR best insurance company?

The cheapest 2015 Ford Five Hundred insurance is possible from both online companies and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not offer rate quotes online and usually these small insurance companies work with local independent agencies.

Insureds switch companies for a number of reasons such as not issuing a premium refund, extreme rates for teen drivers, policy non-renewal or even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company is less work than it seems.

As you shop your coverage around, do not skimp on coverage in order to save money. There have been many situations where someone sacrificed collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

More detailed insurance information is available by following these links: