How Much Does 1999 Ford Five Hundred Insurance Cost?

Trying to find better insurance rates for your Ford Five Hundred? Having to pay for overpriced Ford Five Hundred insurance can empty your savings account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances. Consumers have many car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

Smart consumers take time to compare prices on a regular basis due to the fact that insurance rates go up and down regularly. Even if you got the lowest rates for Five Hundred insurance on your last policy you can probably find a better price now. Starting right now, ignore everything you know about insurance because you’re going to get a crash course in one of the quickest ways to save on insurance.

The purpose of this post is to instruct you on how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. Drivers just need to learn the most effective way to compare company rates on the web.

Save money by taking advantage of these discounts

The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. Certain discounts will be applied when you quote, but some must be requested specifically before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Five Hundred insurance depending on your company.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

Keep in mind that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

For a list of providers with discount car insurance rates, click here.

The best way to get policy rate comparisons is to know car insurance companies pay for the opportunity to compare their rates. The only thing you need to do is give the companies some data including whether or not you need a SR-22, an estimate of your credit level, how much education you have, and how much you drive. Your details is sent automatically to insurance companies and you will get price comparisons almost instantly.

When should I use an insurance agent?

When it comes to choosing coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • If my pet gets injured in an accident are they covered?
  • What is PIP insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my nanny covered when driving my vehicle?
  • Am I better off with higher deductibles on my 1999 Ford Five Hundred?
  • Am I covered when driving on a suspended license?
  • Why am I required to buy liability insurance?
  • When can I cancel my policy?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Auto insurance coverages

Learning about specific coverages of auto insurance aids in choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Auto liability – This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, court costs and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Five Hundred.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, hitting a bird and theft. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision insurance pays for damage to your Five Hundred resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail, colliding with a tree, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills for things like nursing services, hospital visits, surgery and prosthetic devices. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Shop around and save

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best price.

Discount 1999 Ford Five Hundred insurance can be found on the web in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

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