Trying to find cheaper auto insurance rates for your Ford Five Hundred? Searching for cheaper insurance for a Ford Five Hundred can normally be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to buy auto insurance so we’re going to tell you the proper way to quote coverages for your Ford and obtain the lowest price from local insurance agents and online providers.
Smart consumers take time to compare rates before your policy renews due to the fact that insurance rates change regularly. If you had the best price on Five Hundred insurance on your last policy you may be paying too much now. So just forget anything you know (or think you know) about auto insurance because I’m going to teach you the easiest way to save on auto insurance.
All the larger insurance coverage companies provide prices on their websites. Getting online quotes is pretty painless as you simply enter your coverage preferences as detailed in the form. Once you submit the form, their system automatically orders your driving and credit reports and returns pricing information.
Being able to quote online makes comparing rates easy, but the process of having to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to perform this step in order to find the best price possible.
There is an easier way!
The easiest way to locate the lowest prices uses one simple form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes online price comparison a lot less work. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any or none of the quotes returned. If a lower price is quoted, it’s easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.
To quickly find out how much you can save on insurance coverage, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you input the limits and deductibles exactly as shown on your declarations page. This guarantees you will have rate quotes for similar insurance coverage.
Consumers can’t ignore all the ads that promise big savings from the likes of 21st Century, Allstate and State Farm. They all seem to make the same claim of big savings if you switch your coverage to them.
How does each company claim to save you money?
All companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer could possibly be over the age of 50, has no tickets, and has a short commute. Any driver who fits that profile receives the best rates and as a result will probably pay quite a bit less when switching companies.
Potential insureds who are not a match for the requirements will be charged higher prices which usually ends up with business not being written. The ads say “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can advertise the way they do. That is why drivers should get as many quotes as possible. It’s just too difficult to predict which company will have the lowest Ford Five Hundred insurance rates.
An important part of buying insurance is that you know some of the elements that go into determining insurance coverage rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get better insurance coverage rates.
Companies don’t list all their discounts in an easy-to-find place, so here is a list some of the best known as well as the least known auto insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
A little note about advertised discounts, most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.
Insurance companies that possibly offer these money-saving discounts include:
Double check with each insurance company which discounts they offer. Some discounts might not apply in your area.
When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.
Here are some questions about coverages that could help you determine if your situation will benefit from professional help.
If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Collision coverages – Collision coverage pays for damage to your Five Hundred from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a mailbox, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Five Hundred.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as hitting a bird, rock chips in glass, hail damage, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses for things like ambulance fees, pain medications and funeral costs. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Auto liability insurance – Liability insurance will cover damage that occurs to a person or their property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability coverage pays for things like pain and suffering, loss of income, attorney fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, lack of trust in their agent, being labeled a high risk driver and high rates after DUI convictions. Regardless of your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.
Low-cost 1996 Ford Five Hundred insurance is definitely available online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
When buying insurance coverage, do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced physical damage coverage only to find out that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Additional information can be found on the following sites: