Cheap 2015 Ford Five Hundred Insurance Rates

Want the cheapest car insurance rates for your Ford Five Hundred? Have you finally had enough of sacrificing other expenses to buy car insurance? You have the same problem as most other people. Due to the fact that there are so many options, it is very difficult to locate the most affordable car insurance company.

It’s a good habit to get comparison quotes quite often because prices trend upward over time. Despite the fact that you may have had the best quotes for Five Hundred insurance six months ago there may be better deals available now. You’ll find quite a bit of inaccurate information about car insurance out there, but in this article, you’re going to get a lot of great tips on how to save money.

How to buy insurance coverage

The majority of larger companies like Allstate and Progressive allow consumers to get pricing on the web. Comparing rates online is possible for anyone as you just type in the coverage amounts you desire into the quote form. After you complete the form, their rating system will obtain reports for credit and driving violations and provides a quote based on the information you submitted. Quoting online makes it a lot easier to compare rates but having to visit a lot of sites and type in the same data is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes if you want to get lower prices.

The smarter way to compare insurance coverage pricing uses just one form that gets price quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much easier to do. As soon as the form is sent, it gets priced and you are able to buy any or none of the resulting price quotes.

If a lower price is quoted, you can click and sign and purchase the new policy. It takes just a few minutes to complete and can result in significant savings.

To quickly compare pricing, simply click here to open in new window and submit the form. To compare your current rates, we recommend you enter your coverages identical to your current policy. Using the same limits helps guarantee you will have rate quotes for similar insurance coverage.

Save with these money-saving discounts

Some providers don’t list all available discounts in an easy-to-find place, so we took the time to find a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.

  • Renewal Discounts – A few larger companies offer discounts for renewing your policy before your current expiration date. The savings is around 10%.
  • No Claim Discounts – Insureds who avoid accidents and claims pay much less compared to policyholders that have many claims.
  • Homeowners Pay Less – Owning a house can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
  • Organization Discounts – Having an affiliation with a civic or occupational organization is a good way to get lower rates on your next insurance statement.
  • Pay Now and Pay Less – By making one initial payment instead of making monthly payments you could save up to 5%.
  • Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper since newer vehicles have better safety ratings.
  • Passive Restraint Discount – Vehicles equipped with air bags could see savings of up to 25% or more.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premium rates.

Don’t be shocked that many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic. But any discount will cut the premium cost.

The best insurance companies and some of the premium reductions they offer are detailed below.

  • State Farm offers premium reductions for Steer Clear safe driver discount, multiple autos, defensive driving training, safe vehicle, and driver’s education.
  • GEICO includes discounts for multi-vehicle, defensive driver, membership and employees, good student, and five-year accident-free.
  • Allstate has discounts for good student, anti-lock brakes, passive restraint, safe driver, premier plus, premier discount, and senior citizen.
  • SAFECO discounts include multi-car, safe driver, drive less, bundle discounts, anti-lock brakes, and teen safety rewards.
  • Farm Bureau may have discounts that include good student, safe driver, youthful driver, driver training, multi-vehicle, and multi-policy.
  • Progressive may include discounts for multi-vehicle, multi-policy, online quote discount, continuous coverage, and online signing.
  • AAA offers discounts including pay-in-full, good driver, multi-policy, AAA membership discount, and anti-theft.

Check with every insurance company to give you their best rates. Some credits might not be offered in your area. To choose companies with significant discounts, click here.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • When do I need to add a new car to my policy?
  • Do I need an umbrella policy?
  • Can my babysitter drive my car?
  • Does my insurance cover my expensive audio equipment?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do all my vehicles need collision coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if my car is in a flood?

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 insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Comprehensive coverages

This will pay to fix 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 can pay for claims such as hitting a deer, damage from a tornado or hurricane and hail damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Five Hundred resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, damaging your car on a curb, backing into a parked car, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Ford Five Hundred.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability insurance

This will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

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 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like bail bonds, funeral expenses and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like nursing services, doctor visits, hospital visits and ambulance fees. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay