Lower Your 2011 Ford Five Hundred Car Insurance Quotes

Searching for lower insurance coverage rates for your Ford Five Hundred? Are you overwhelmed by the crazy number of insurance coverage companies? There are such a vast assortment of companies available that it can quickly become a difficult mission to find the lowest price.

Finding the best rates is not rocket science. If you have car insurance now, you will be able to save some money using this strategy. But car owners do need to learn the methods companies use to price insurance differently.

You may qualify for discounts

Companies that sell car insurance don’t list every discount they offer in an easy-to-find place, so the following list contains some of the more common and the more hidden ways to save on auto insurance. If they aren’t giving you every credit available, you are throwing money away.

  • Responsible Driver Discount – Accident-free drivers could pay up to 40% less for Five Hundred coverage than their less cautious counterparts.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Professional Organizations – Being a member of a qualifying organization could trigger savings on auto insurance.
  • College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • E-sign Discounts – Some of the larger companies may give you up to $50 just for signing your application on their website.
  • Drivers Education – Teen drivers should successfully complete driver’s ed class in high school.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are much safer to drive and earn discounts up to 10%.

Please keep in mind that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any qualifying discounts should help lower your policy cost.

If you would like to see a list of providers offering auto insurance discounts, follow this link.

The quickest method to compare car insurance company rates is to know car insurance companies will pay a fee to provide you with free rate quotes. The one thing you need to do is provide the companies a bit of rating information like how you use your vehicles, if you require a SR-22, what your job is, and the ages of drivers. Those rating factors is submitted instantly to multiple insurance coverage providers and they provide comparison quotes almost instantly.

To find the cheapest 2011 Ford Five Hundred insurance rates, click here and see if a lower rate is available.

Informed drivers can cut insurance costs

Many factors are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving history, but others are not as apparent like where you live or how safe your car is.

  • No claims equals lower premiums – If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Car insurance companies award most affordable rates to drivers who only file infrequent claims. Your insurance policy is designed for claims that you cannot pay yourself.
  • With age comes responsibility – More mature drivers are shown to be more cautious, are lower risk to insure and tend to be get fewer driving tickets.Youthful drivers are statistically proven to be inattentive behind the wheel so they pay higher car insurance rates.
  • A good credit rating can save money – Having a good credit score factor in calculating your premium rate. Consumers who have high credit scores tend to be better risks to insure than drivers with lower ratings. If your credit can use some improvement, you could pay less to insure your 2011 Ford Five Hundred if you improve your credit rating.
  • Liability coverage is critical – The liability coverage on your policy provides coverage if ever a court rules you are at fault for physical damage or personal injury to other. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to other policy coverages, so do not cut corners here.
  • Rates increase with driving citations – Good drivers get better rates than their less careful counterparts. Getting just one driving citation can increase the cost of insurance forty percent or more. Drivers who have gotten severe violations like reckless driving or DUI may be required to maintain a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Safer occupants lowers premiums – Safe vehicles tend to have lower insurance rates. Highly rated vehicles have better occupant injury protection and reduced instances of injuries means less claims paid and thus lower rates.
  • How do annual miles impact premiums? – The more miles you rack up on your Ford each year the higher your rate. The majority of insurers price each vehicle’s coverage based upon how much you drive. Cars that have low annual miles receive lower rates than those that get driven frequently. Double check that your car insurance declarations sheet is rated on the correct usage, because improper ratings can cost you money. Having an incorrect usage rating on your Five Hundred can cost quite a bit.
  • Bundle and save – Lots of car insurance companies provide a discount to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, consumers should still compare other insurance prices to confirm you are receiving the best rates possible. Consumers may save money even if you insure with multiple companies

There’s no such thing as the perfect insurance policy

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For example, these questions may help you determine if your situation may require specific advice.

  • How high should my medical payments coverage be?
  • Does liability extend to a camper or trailer?
  • Why is insurance for a teen driver so high?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Do I have newly-aquired coverage?
  • If I drive on a suspended license am I covered?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Be skeptical of car insurance ads

Big name companies like Progressive, Allstate and GEICO regularly use ads on television and other media. All the ads convey the message that you’ll save big if you move your car insurance policy to them. Is it even possible that every company can charge less that you’re paying now? It’s all in the words they use.

Different companies require specific criteria for the right customer that makes them money. For instance, a profitable risk profile might be between the ages of 30 and 50, has no claims, and drives a car with an anti-theft system. Anyone who meets those qualifications receive the lowest rate quotes and have a good chance to cut their rates substantially.

Potential insureds who cannot meet these criteria may receive higher prices and ends up with the customer buying from someone else. The trick is to say “customers that switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently state the savings. This really emphasizes why it is so important to do a quote comparison often. It’s not possible to predict which company will have the lowest rates.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2011 Ford Five Hundred.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability – Liability coverage can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and 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 limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as court costs, legal defense fees, attorney fees and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, hail damage and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like EMT expenses, nursing services, hospital visits, doctor visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision – This coverage covers damage to your Five Hundred resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, scraping a guard rail, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Shop around and save

We just covered some good ideas how you can shop for 2011 Ford Five Hundred insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the best price on insurance coverage is with the smaller companies.

Discount 2011 Ford Five Hundred insurance can be sourced both online and also from your neighborhood agents, so you need to quote car insurance with both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and many times these small insurance companies provide coverage only through independent insurance agencies.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. Too many times, an insured dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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