1995 Ford Five Hundred Car Insurance Quotes – 9 Ideas for Best Rates

Finding better insurance prices for your Ford Five Hundred can turn out to be an all-consuming task, but you can use our auto insurance buying tips and make it easy.

There is a better way to shop for auto insurance and we’ll show you the absolute fastest way to get price quotes for your Ford and find the cheapest rates from local insurance agents and online providers.

Smart consumers take time to compare rates quite often because auto insurance prices are usually higher with each renewal. Just because you found the lowest rates for Five Hundred insurance last year other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to find out the quickest way to find the best coverage while lowering your premiums.

Get lower-cost rates by earning these nine discounts

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts to help offset the cost. A few discounts will automatically apply when you purchase, but some may not be applied and must be manually applied before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • Auto/Life Discount – If the company offers life insurance, you could get lower auto insurancerates if you buy some life insurance too.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Five Hundred insurance.
  • Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you may have a lower total premium amount.
  • Resident Student – Kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
  • Multi-car Discount – Insuring more than one vehicle with the same auto insurance company qualifies for this discount.
  • Onboard Data Collection – Drivers that enable their insurance company to monitor where and when they drive remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
  • Smart Student Discounts – Being a good student may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students until age 25.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Companies and some of the premium reductions they offer can be read below.

  • Farm Bureau has discounts for renewal discount, multi-vehicle, safe driver, youthful driver, and multi-policy.
  • State Farm offers discounts including safe vehicle, driver’s education, Drive Safe & Save, accident-free, multiple autos, multiple policy, and student away at school.
  • Progressive offers premium reductions for continuous coverage, homeowner, multi-vehicle, online quote discount, good student, online signing, and multi-policy.
  • Allstate may have discounts that include anti-lock brakes, premier plus, anti-theft, new car, EZ pay plan discount, and defensive driver.
  • Nationwide may offer discounts for business or organization, anti-theft, Farm Bureau membership, easy pay, and good student.
  • MetLife offers discounts for claim-free, good driver, good student, multi-policy, defensive driver, and accident-free.

If you are trying to find low cost auto insurance quotes, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not be offered in every state. To locate companies who offer cheap auto insurance quotes, click here.

Your insurance coverage coverage should be tailored to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I still get insurance after a DUI?
  • Am I covered when delivering products for my home-based business?
  • When do I need to add a new car to my policy?
  • What is PIP insurance?
  • Who is covered by my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance coverage breakdown

Having a good grasp of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, nursing services, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Ford Five Hundred.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, emergency aid, legal defense fees and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, vandalism, damage from getting keyed, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Best coverage at the best price

Consumers change insurance companies for any number of reasons including denial of a claim, high prices, being labeled a high risk driver and questionable increases in premium. Whatever your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

Some insurance companies may not offer online rate quotes and these regional carriers only sell through independent agents. Lower-priced insurance coverage is possible both online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from.

We covered many tips how you can shop for 1995 Ford Five Hundred insurance online. It’s most important to understand that the more providers you compare, the higher your chance of finding low cost auto insurance. You may even find the lowest priced insurance coverage comes from a small mutual company.

More information can be read on the following sites: