Tired of sacrificing other expenses to insure your Ford every month? You’re in the same situation as millions of other drivers.
Online insurance companies like GEICO and Progressive all promote huge savings with TV and radio ads and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
Some insurance providers don’t list all disounts in a way that’s easy to find, so the list below contains both the well known and also the lesser-known credits that may apply to you.
Consumers should know that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.
To choose providers with discount rates, follow this link.
Most of the larger companies make it easy to get pricing direct online. Getting online quotes is fairly simple as you simply type in the coverage amounts you desire into the form. After you complete the form, the quote system obtains your driving and credit reports and generates pricing information determined by many factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it’s also necessary to do this if you want to find better auto insurance pricing.
Compare rates the easy way
The smarter way to lower your auto insurance bill uses just one form to obtain quotes from a lot of companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, your coverage is rated and you can choose any one of the quote results. If you find a better price you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.
To find out what other companies charge, click here to open in new window and fill out the form. To compare your current rates, we recommend you type in the insurance coverages as shown on your current policy. Using the same limits helps guarantee you’re receiving a rate comparison for similar insurance coverage.
When it comes to buying the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine if you will benefit from professional help.
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Understanding the coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for funeral costs, ambulance fees and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Five Hundred.
Since 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 should not be overlooked.
Liability – This coverage can cover injuries or damage you cause to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability coverage protects against things like emergency aid, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.
Collision coverages – This covers damage to your Five Hundred from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like driving through your garage door, hitting a parking meter, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.
Comprehensive insurance – Comprehensive insurance coverage 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 theft, hitting a bird, damage from flooding and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
When searching for affordable insurance quotes, never reduce coverage to reduce premium. In many cases, an insured dropped liability coverage limits and found out when filing a claim that it was a big error on their part. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
Cost effective 1992 Ford Five Hundred insurance is available online as well as from independent agents, so you should compare both to get a complete price analysis. Some companies may not provide the ability to get quotes online and many times these smaller providers only sell through independent insurance agents.
More tips and info about car insurance can be read at these sites: