1997 Ford Five Hundred Car Insurance Rates – 8 Tips for Cheaper Quotes

Want better auto insurance rates for your Ford Five Hundred? Paying for high-priced Ford Five Hundred insurance can overdraw your personal savings and force you to make sacrifices. Comparing price quotes is a great way to lower your monthly bill. Companies like State Farm, Progressive and Geico constantly blast consumers with advertising and it is challenging if not impossible to see past the geckos and flying pigs and do the work needed to find the best deal.

Cut prices on 1997 Ford Five Hundred insurance

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be specially asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Accident Forgiveness – Certain companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Club Memberships – Being a member of a professional or civic organization could qualify you for a break when buying car insurance on Five Hundred insurance.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • 55 and Retired – If you qualify as a senior citizen, you may receive better car insurance rates on Five Hundred insurance.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Five Hundred insurance with select insurance companies.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only apply to individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.

Companies that may have these benefits may include but are not limited to:

Check with every prospective company what discounts are available to you. Savings might not be offered in your state.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight if your situation would benefit from professional advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Who is covered by my policy?
  • Can I make deliveries for my home business?
  • What happens if I owe more than my 1997 Ford Five Hundred is worth?
  • When should I not file a claim?
  • Why am I required to buy liability insurance?
  • Are split liability limits better than a combined single limit?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for things like ambulance fees, hospital visits, rehabilitation expenses, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield, hail damage and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, repair costs for stationary objects and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1997 Ford Five Hundred.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, crashing into a building, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Money doesn’t grow on trees

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

Budget-conscious 1997 Ford Five Hundred insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and these smaller companies work with independent agents.

Throughout this article, we presented a lot of tips how to lower your insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the best prices are with a small local company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Geico and State Farm.

Much more information about insurance coverage is located on the following sites: