Looking for better auto insurance rates for your Ford Five Hundred? Shopping for the lowest price auto insurance on the internet is challenging for comparison shopping over the internet. With so many online companies available, how are vehicle owners expected to be able to compare every possible option in order to find the lowest rates?
It’s important to do rate comparisons before your policy renews because prices are variable and change quite frequently. Despite the fact that you may have had the best rate for Five Hundred coverage a few years ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to find great coverage at a great price.
To find cheap prices, there are a couple of ways to obtain and compare prices from many auto insurance companies in your state. The quickest method to do a complete rate comparison involves getting comparison quotes online. This is very easy and can be done using a couple different methods.
The approach you take is up to you, just do your best to use the exact same coverage information for each comparison quote. If you have different limits and deductibles on each one it will be nearly impossible to find the best deal for your Ford Five Hundred. Slightly different coverages could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons gives you a better chance of getting the best rates.
When buying the best car insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.
For instance, these questions might help in determining if your insurance needs would benefit from professional advice.
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
This can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as attorney fees, emergency aid, court costs, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.
This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding, theft and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1994 Ford Five Hundred.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.
This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims like scraping a guard rail, colliding with a tree, backing into a parked car, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, nursing services, funeral costs, surgery and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage
Yolanda Trujillo
Where is cheaper car insurance? I live in a small town just outside of Montgomery, AL. Got rates from GEICO, The General, and Erie for my Ford and am saving around $90 a year. Wish I didn’t have to insure at all. I only have liability coverage on it.
Rickie Smith
Affordable car insurance is a myth. Lifelong resident of Owensboro, KY. I quoted with Sentry, Eastwood, Progressive, and AIG Insurance for my Ford and cut my rates about $120 a year. Insured with Esurance before. Not worth enough to pay for comprehensive and collision.
Fidelia Sharp
Here’s what I found out. Located in Evansville, Indiana. I quoted with USAA, American Family, Hartford, and Sentry for my Five Hundred and I think I am saving around $20 each month. Left The General to switch. Still almost need a second mortgage. I’m thinking about dropping full coverage though.
Xenia Rivera
Mine is so expensive. I’m in the suburbs of Warren, MI. Checked online prices for a 1994 Ford Five Hundred. Ended up at about $120 savings annually. Went with GEICO. Thankfully I’m not a high risk driver. I got prices on the web. Full coverage costs too much.
Carline Mejia
Proud to be from Philadelphia, Pennsylvania. Compared rates from a lot of places. Saved about $20 a month. GEICO was the cheapest for me. Insured with Travelers before. Ask about discounts. It was easy to get rates. I just carry liability insurance.
Cristy Whitfield
I’m just south of Grand Forks, ND. I got free quotes with Auto-Owners, Safeco, and a few others for my Five Hundred and saved $63 a year. Switched homeowners coverage too. When should I drop full coverage?
Monserrate Jacobson
Well-written and thought out article. I’m in the east part of Fairbanks, AK. Quoted with Travelers, AAA, Hartford, and Sentry for my Five Hundred and saved $104 a year. Was with Safeco. I have kids on my policy, too. Online quotes are the way to go. I dropped full coverage awhile back.
Palmer Ashley
In Newark, DE try Allstate or Progressive. Both had decent prices.
Shakia Dalton
Like your site, BTW. From a town just southwest of Shreveport, LA. Quoted with Allstate, Farmers, and The General for my Five Hundred and I’m now saving $10 a month. Was with AAA. Wish I didn’t have to insure at all. I just carry liability insurance.
Shantae Schroeder
I live in Tulsa, OK. Quoted with AIG Insurance, Erie, and Nationwide for my Five Hundred and saved $99 a year. It’s still not cheap enough.
Romona Grant
21st Century was cheapest for my 1994 Ford Five Hundred in Denver, Colorado.
Vaughn Mclaughlin
What are minimum liability limits required in Delaware?
Armandina Bowen
If you’re a decent driver and are close to Nashville, Tennessee, check out Allstate. They seem to be cheaper. Was with Liberty Mutual. God forbid I actually have a claim.
Andy Mckee
Will Progressive give a discount for driver training?
Inocencia Roberts
21st Century is decent in Provo, UT.
Manuel Carey
Live in Denver, CO. Quoted a bunch of companies. Saved roughly $20 a month. Allstate was the best choice for me. Good savings if you bundle.