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Ford Five Hundred Insurance Rates

Finding cheaper auto insurance from online rate quotes is simple to do and at the same time you will probably save money. The critical component is to compare rates from all companies so you can compare the best prices.

Finding the best direct price on auto insurance is challenging if you have never used online rate quotes. But don't be discouraged because there is an easy way to compare rates. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes comparing rates online with multiple companies. It is quite easy and can be accomplished by visiting this page.

What influences the rate you pay?

Insurance rates on a Ford Five Hundred will vary greatly subject to many criteria. Taken into consideration are:

  • Traffic citations increase rates
  • Your credit history
  • Men typically pay more than women
  • Higher deductibles save money
  • Your vehicle's safety rating
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One last important factor which can affect the rate you pay on your Ford is the year of manufacture. A newer vehicle have a higher actual cash value so the payout to repair will push premiums up. Although more recent Ford vehicles may have options included like a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system so those may provide discounts that lower premiums.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability insurance - Five Hundred liability coverage will cover damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverages - This will pay to fix damage to your Ford resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Five Hundred can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper Five Hundred insurance rates.

Comprehensive protection - This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - This gives you protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Ford Five Hundred Insurance Rates?