View 2005 Ford Five Hundred Insurance Quotes

Trying to find low-cost insurance for a new or used Ford Five Hundred can normally be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to find auto insurance online and you need to know the quickest way to compare rates for a new or used Ford and locate the best price possible either online or from local insurance agents.

You should take the time to price shop coverage every six months since rates go up and down regularly. Even if you think you had the lowest premium rates on Five Hundred insurance a year ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.

Shop insurance coverage online

Getting a more affordable price on 2005 Ford Five Hundred insurance is pretty simple and can save money. You just need to take time getting comparison quotes from online providers. This is very easy and can be done by using one of the methods below.

One of the simplest ways consumers can analyze rates is to use a rate comparison form click to view form in new window. This quick form prevents you from having to do a different quote for every insurance coverage company. In just a few minutes this one form compares rates direct from many companies. This is by far the quickest method.

A harder way to find better pricing requires a trip to each individual company website and fill out a new quote form. For example, we’ll assume you want to compare prices for GEICO, 21st Century and Progressive. In order to compare rates, you need to navigate to each company’s site to input your insurance information, which is why the first method is more popular. For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you compare the same coverage information on every quote you get. If you use unequal deductibles or liability limits it’s impossible to find the best deal for your Ford Five Hundred.

Cheaper car insurance quotes with discounts

Some insurance providers don’t always publicize all disounts in an easy-to-find place, so we break down some of the best known as well as some of the hidden ways to save on car insurance.

  • Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up can save up to 15% on medical payment and PIP coverage.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Paperwork-free – A few larger online companies give back up to $50 get insurance coverage on their website.
  • Passive Restraints and Air Bags – Options like air bags can receive discounts of 20 to 30 percent.
  • Government Employees – Active or former government employment can save as much as 8% on Five Hundred insurance depending on your company.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.

You can save money using discounts, but most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies that possibly offer some of the above discounts include:

Double check with all the companies which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area. To find insurance companies with discount car insurance rates, click here.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • Do all my vehicles need collision coverage?
  • Should I buy only the required minimum liability coverage?
  • If my 2005 Ford Five Hundred is totaled, can I afford another vehicle?
  • How much liability insurance is required?
  • Do I have coverage if my license is suspended?
  • If my pet gets injured in an accident are they covered?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if I break a side mirror?
  • Is business property covered if stolen from my car?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Having a good grasp of insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision protection

This coverage will pay to fix damage to your Five Hundred from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, colliding with another moving vehicle, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2005 Ford Five Hundred.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, theft, hitting a deer, a broken windshield and hitting a bird. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills for things like funeral costs, surgery and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability car insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.