Lower Your 2015 Ford Five Hundred Insurance Quotes

Nobody I know looks forward to paying for insurance, especially when their premiums are through the roof.

Many insurers compete for your insurance dollar, so it’s not easy to compare every insurer to find the absolute best rate

If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Buying car insurance is quite easy. Nevertheless, car owners benefit from understanding the way insurance companies market on the web and use this information to your advantage.

Comprehensive Insurance Coverage Comparison Quotes

Shopping for lower insurance coverage rates can take hours if you don’t know the easiest way. You can spend countless hours driving to agents in your area, or you can utilize online quotes to get pricing more quickly.

Most major companies belong to a marketplace that enables customers to enter their coverage request one time, and every company returns a competitive quote for coverage. This eliminates the need for repetitive form submissions for each company. To compare pricing click here to open in new window.

One minor caviat to pricing coverage this way is you are unable to specify which insurance companies you want to price. If you would rather choose specific providers to compare, we have a listing of insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, ensure you are comparing the exact same information for every company. If you compare unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best. Slightly different coverages may result in a large different in cost. Keep in mind that quoting more will improve the odds of getting better pricing.

These discounts can slash car insurance rates

The cost of insuring your cars can be expensive, but you can get discounts that many people don’t even know exist. Certain discounts will be applied when you complete an application, but some must be manually applied in order for you to get them.

  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Low Mileage – Keeping the miles down on your Ford could qualify for a substantially lower rate.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better car insurance rates for Five Hundred insurance.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • One Accident Forgiven – Certain companies allow you one accident before your rates go up if your claims history is clear prior to the accident.

It’s important to understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will cut the amount you have to pay.

Insurance companies who might offer these benefits are:

Before buying, ask all companies you are considering which discounts you may be entitled to. Some discounts may not be available in every state.

When might I need the advice of an agent?

When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation would benefit from professional advice.

  • How does medical payments coverage work?
  • How many claims can I have before being cancelled?
  • What is an SR-22 filing?
  • What is no-fault insurance?
  • Do I need rental car coverage?
  • What is high-risk coverage and where do I buy it?
  • Should I carry comprehensive and collision coverage?
  • Where can I find high-risk insurance?
  • Is pleasure use cheaper than using my 2015 Ford Five Hundred to commute?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for X-ray expenses, prosthetic devices and rehabilitation expenses. They are used in conjunction with a 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. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This can cover damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others, and doesn’t 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 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as structural damage, legal defense fees, court costs and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision insurance pays for damage to your Five Hundred resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle 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.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from a tornado or hurricane, damage from getting keyed and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.