Lower Your 1990 Ford Five Hundred Car Insurance Rates

Finding lower premiums on insurance is always challenging for beginners to buying insurance online. Consumers have so many companies to choose from that it can quickly become a ton of work to compare prices.

Smart consumers take time to check insurance prices every six months because rates are rarely the same from one policy term to another. Just because you found the best rates for Five Hundred insurance a few years ago you can probably find a better price now. Starting right now, ignore everything you know about insurance because you’re going to learn how to quote online to find better rates and still maintain coverage.

Get lower rates on Ford Five Hundred insurance

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but a few need to be requested specifically before you will receive the discount.

  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Five Hundred insurance than their less cautious counterparts.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • No Accidents – Good drivers with no accidents can earn big discounts when compared with bad drivers.
  • Good Student – This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Defensive Driver – Completing a defensive driving course could cut 5% off your bill if your company offers it.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce the cost of coverage.

To see a list of companies who offer insurance discounts, click this link.

How to Compare Insurance Coverage Costs

There are multiple methods to compare 1990 Ford Five Hundred insurance coverage quotes, but one way is less labor-intensive and much quicker. You could waste a few hours talking to insurance companies in your area, or you can utilize online quoting to get prices fast.

The majority of car insurance companies enroll in a system that enables customers to enter their coverage request one time, and at least one company then gives them pricing based on the submitted data. This eliminates the need for quotation requests to each individual insurance coverage company.

To access this free quoting program, click here to open in new window.

The single downside to using this type of form is that consumers can’t choose which providers you will receive quotes from. So if you want to select individual companies to compare prices, we have a page of low cost insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same deductibles and coverage limits with every price quote. If you compare different limits and deductibles on each one it’s impossible to find the best deal for your Ford Five Hundred. Quoting even small variations in coverages can make a big difference in price. And when price shopping your coverage, more quotes provides better odds of finding a better price.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does medical payments coverage apply to all occupants?
  • When would I need additional glass coverage?
  • What companies insure drivers after a DUI or DWI?
  • How can I get my company to pay me more for my totalled car?
  • Should I sign the liability waiver when renting a car?
  • Do I need more liability coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a 1990 Ford Five Hundred

Knowing the specifics of car insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Five Hundred.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like prosthetic devices, surgery, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer, vandalism, hitting a bird and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage – This will cover damage or injury you incur to other people or property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical services, bail bonds, pain and suffering and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision – Collision coverage will pay to fix damage to your Five Hundred caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, crashing into a building, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Save your hard earned cash

We just showed you a lot of tips how to compare 1990 Ford Five Hundred insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest premiums are with some of the smallest insurance companies.

Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, being labeled a high risk driver, policy cancellation or even delays in paying claims. Whatever your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.

Cheap insurance can be sourced on the web and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some auto insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

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