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Ford Five Hundred Insurance Rates

You have lots of choices when shopping for insurance coverage for your Ford vehicle. You can either contact an agent or go online to compare rates from multiple companies. Comparing auto insurance online can be fast and easy and at the same time you can save money.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies offering insurance. Getting better Five Hundred insurance cost is not rocket science. Just take time getting comparison quotes provided by online insurance companies. This can be done by comparing rates here.

Which factors influence car insurance premiums?

Car insurance premiums paid to insure a Ford Five Hundred can be significantly different depending on several factors. Taken into consideration are:

  • Higher performance Five Hundred vehicles cost more
  • How many accidents you have had
  • Home and auto can earn discounts
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your claim history
  • Having continuous coverage saves you money
  • Whether you rent or own your home

An additional factor that can impact Five Hundred insurance rates is the year of the vehicle. Newer models have a higher value than older models so the cost to replace them may end up costing you more. Although newer models may have safety features included like adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection that may help lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Five Hundred from available model years below.

Liability coverage - This coverage protects you from damages or injuries you inflict on a person or their property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - This coverage pays for damage to your Ford from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper Five Hundred insurance rates.

Comprehensive coverage - This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.

How Much are Ford Five Hundred Insurance Rates?