Save on 1996 Ford Five Hundred Insurance Rates

Trying to find cheaper auto insurance rates for your Ford Five Hundred? Searching for cheaper insurance for a Ford Five Hundred could be difficult, but you can learn the following methods to save time. There are more efficient ways to shop for auto insurance so we’re going to tell you the proper way to quote coverages on a Ford and get the cheapest rates from both online companies and local agents.

Discount car insurance rates

Some providers don’t always advertise all disounts in a way that’s easy to find, so the list below details a few of the more well known and also the lesser-known discounts that may be available.

  • Professional Memberships – Joining a civic or occupational organization may earn a discount on your bill.
  • Safety Course Discount – Participating in a class that teaches defensive driving techniques is a good idea and can lower rates and easily recoup the cost of the course.
  • Waiver for an Accident – Not really a discount, but certain companies will let one accident slide before they charge you more for coverage so long as you are claim-free prior to the accident.
  • Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more off PIP or medical payments premium.
  • New Car Discount – Buying a new car model can save you some money since newer vehicles are generally safer.
  • Multiple Vehicles – Having multiple cars or trucks on one policy qualifies for this discount.
  • Telematics Data Discounts – Drivers who agree to allow driving data submission to look at driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.
  • Active Military Service – Being on active duty in the military could qualify you for better premium rates.
  • Claim-Free Discount – Claim-free drivers can earn big discounts in comparison to policyholders that have many claims.

Remember that many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like you could get a free car insurance policy, nobody gets a free ride.

If you would like to view car insurance companies who offer online car insurance quotes, follow this link.

How to get insurance coverage quotes

Shopping for lower insurance coverage rates is a ton of work if you don’t utilize the best way to get rate quotes. You can waste a lot of time driving to agents in your area, or you could use the web to get the quickest rates.

Most major companies belong to an insurance system where prospective buyers submit their information once, and every company provides a quote. This saves time by eliminating quote requests for each company.

To find out how much you can save on insurance coverage click here (opens in new window).

The single downside to comparing rates this way is that you can’t choose which insurance companies to get pricing from. If you would rather choose specific providers to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just be sure to compare equivalent quote information for every quote you compare. If the quotes have different deductibles it will be nearly impossible to make a fair rate comparison.

Tailor your car insurance coverage to you

When buying coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if you will benefit from professional help.

  • Is upholstery damage covered by car insurance?
  • How do I buy GAP insurance?
  • Is my teen driver covered when they drive my company car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my custom paint covered by insurance?
  • Does my car insurance cover rental cars?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses like dental work, X-ray expenses, hospital visits and funeral costs. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, damage from flooding, damage from getting keyed and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t 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. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as medical services, bail bonds, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Ford Five Hundred.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Stretch your dollar

People leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, policy cancellation and high prices. Whatever your reason, finding a great new company can be easy and end up saving you some money.

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

In this article, we covered a lot of tips how to shop for 1996 Ford Five Hundred insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may even find the biggest savings come from some of the smallest insurance companies.

Even more information is located in these articles:

Comments About 1996 Ford Five Hundred Insurance

  1. Lue Rodriguez

    Nice info. I’m just south of Evansville, IN. Quoted prices online for a 1996 Ford Five Hundred. Ended up at about $90 savings annually. Went with GEICO. Teenage drivers are expensive! God forbid I actually have a claim.

  2. Alberto Mcdowell

    If you have a good history and live around Bangor, ME, check out State Farm. You might get cheaper rates. A clean driving record helps. Full coverage costs too much.

  3. Kathyrn Rivers

    Live in the northern part of Norman, OK. Went online for free insurance quotes for a 1996 Ford Five Hundred. Ended up at about $90 savings annually. Went with Progressive. I just quoted rates online. Liability only on my Ford.

  4. Vito Rodriguez

    Will Progressive raise rates for a rock chip claim?

  5. Anastasia Castaneda

    Cheaper not always better. I’m just east of Memphis, TN. Got car insurance prices from Amica, Farmers, and Nationwide for my Five Hundred and I think I saved about $20 each month. I even had a DUI years ago. Can still barely afford it.

  6. Elijah Marks

    Hope my car insurance gets cheaper. Lifelong resident of San Diego, California. Compared rates from a lot of places. Saved about $20 a month. State Farm was the cheapest option for me. I got prices on the web. Anyone else drop full coverage?

  7. Jina Sweet

    Live in the southern part of Sioux Falls, SD. I don’t recall every quote but I ended up saving about $20 each month. Insured with MetLife before. I get a discount for insuring multiple vehicles. I only have liability coverage on it.

  8. Elna Patterson

    I think I’m paying too much. I’m in the north part of Grand Forks, ND. Checked online prices for a 1996 Ford Five Hundred. Ended up at about $110 savings annually. Went with GEICO. I used their online quote form to compare rates.

  9. Alisha Flores

    Great site. I live just to the north of Madison, WI. I got free rates from Progressive, American Family, Eastwood, and Hanover for my 1996 Ford Five Hundred and I think I cut my rates about $20 each month. Left Esurance to switch. I’m a pretty low risk driver.

  10. Shakira Winters

    Mine is so expensive. From west side of Baton Rouge, Louisiana. Got car insurance quotes with Hartford, AIG Insurance, Safeco, and a couple others for my Ford and I’m now saving $12 a month. I just quoted rates online.

  11. Lester Strickland

    Thanks for putting this site together. I’m from Knoxville, TN. Compared quite a few companies. Saved darn near $20 a month. Progressive was the cheapest for me. Book value doesn’t justify full coverage anymore.

  12. Kristan Burke

    Great info, thanks for posting. I’m from Norfolk, Virginia. Not sure of all the companies but I ended up saving about $20 each month. Got better coverage too. Not sure if rates are cheaper online or through an agent.