View 2016 Ford Five Hundred Insurance Quotes

Comparison shopping for auto insurance can be nearly impossible for consumers not familiar with comparison shopping online. Consumers have so many options available that it can be a challenge to locate the lowest price.

Finding affordable coverage is not that difficult. In a nutshell, every vehicle owner who is shopping for car insurance stands a good chance to be able to save money. But drivers must know how companies price insurance differently and take advantage of how the system works.

Compare Auto Insurance Today

The are a couple different ways to compare quotes from local auto insurance companies. One of the best ways to find the cheapest 2016 Ford Five Hundred insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This method keeps you from doing separate quotation requests to each individual auto insurance company. Taking the time to complete one form will get you price quotes direct from many companies. It’s the fastest way to compare.

A slightly less efficient method to find lower rates is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll pretend you want rates from Progressive, Farmers and State Farm. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just compare identical deductibles and coverage limits for every company. If you enter differing limits it will be very difficult to determine the best price for your Ford Five Hundred. Quoting even small variations in coverages may result in large price differences. It’s important to know that quoting more will improve the odds of getting the best offered rates.

Don’t pay full price with these discounts

Companies don’t always advertise all their discounts very clearly, so we break down both well-publicized and also the lesser-known discounts you could be receiving.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums on Five Hundred insurance.
  • No Accidents – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Five Hundred insurance than less cautious drivers.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Student in College – Youth drivers who are attending college and do not have a car may qualify for this discount.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

Companies who might offer some of the above discounts include:

It’s a good idea to ask each company how you can save money. Some discounts might not be offered in your area.

Some factors that can determine what Ford Five Hundred insurance costs

It’s important that you understand the different types of things that go into determining the rates you pay for insurance coverage. Knowing what impacts premium levels allows you to make educated decisions that could result in lower insurance coverage prices.

  • High credit ratings translate to low rates – Credit score is a huge factor in determining what you pay for insurance coverage. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit score is low, you could potentially save money when insuring your 2016 Ford Five Hundred by spending a little time repairing your credit.
  • Drive less and save money – Driving more miles every year the more you will pay for insurance coverage. Most insurance companies apply a rate determined by how the vehicle is used. Autos that are left in the garage qualify for better rates compared to those used for work or business. Improper usage on your Five Hundred can result in significantly higher rates. Verify your insurance coverage coverage shows the proper vehicle usage.
  • Being married is a good thing – Getting married helps lower the price on your insurance coverage policy. It usually means you are more responsible and it’s proven that married drivers get in fewer accidents.
  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Bump up deductibles to save – Your deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more you’re willing to pay, the lower your rates will be on Five Hundred insurance.

Your personal situation dictates your coverage

When it comes to choosing coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • What happens if I owe more than my 2016 Ford Five Hundred is worth?
  • Do I need higher collision deductibles?
  • Do I need more liability coverage?
  • Can I still get insurance after a DUI?
  • How do I insure my teen driver?
  • Does medical payments coverage apply to all occupants?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Information about specific coverages

Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from 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 coverage pays for things like hitting a bird, a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Five Hundred resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like funeral expenses, emergency aid and loss of income. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, surgery and prosthetic devices. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. 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 but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

As you shop your coverage around, you should never skimp on coverage in order to save money. In too many instances, consumers will sacrifice collision coverage and learned later that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

We just presented many ideas to shop for 2016 Ford Five Hundred insurance online. The key thing to remember is the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a small mutual company.

Affordable insurance can be found from both online companies as well as from independent agents, so you should compare both to get a complete price analysis. A few companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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