1997 Ford Five Hundred Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Ford Five Hundred? Locating the cheapest insurance for a new or used Ford Five Hundred can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy insurance coverage so you’re going to learn the best way to price shop coverage for a Ford and locate the best price possible either online or from local insurance agents.

Finding affordable coverage is not rocket science. If you have a policy now or are just looking to switch companies, you can use these tips to shop for the lowest rates while maximizing coverage. Consumers only need an understanding of the best way to get comparison rates over the internet.

These discounts can lower your insurance rates

Buying insurance is not cheap, but you might be missing out on some discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time of quoting, but some need to be asked for before you will receive the discount.

• Driver’s Education for Students – Have your child sucessfully take a drivers education course as it can save substantially.
• Professional Organizations – Joining a civic or occupational organization can get you a small discount on your next renewal.
• Own a Home and Save – Owning your own home or condo can save a few bucks because owning a home requires a higher level of personal finance.
• Life Insurance Discount – If the company offers life insurance, you could get a lower price if you buy life insurance from them.
• Save with a New Car – Adding a new car to your policy can cost up to 25% less since newer models have better safety ratings.
• Theft Prevention System – Cars with anti-theft systems are stolen less frequently so companies will give you a small discount.
• Multiple Cars – Drivers who insure multiple cars or trucks with the same company may reduce the rate for each vehicle.
• Accident Forgiveness – Not necessarily a discount, but a few companies such as Liberty Mutual, Allstate and State Farm may permit one accident without the usual rate increase so long as you haven’t had any claims for a specific time period.

You can save money using discounts, but most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

Large insurance companies and some of the premium reductions they offer can be read below.

• Farm Bureau discounts include youthful driver, 55 and retired, multi-policy, good student, safe driver, and multi-vehicle.
• State Farm has savings for Drive Safe & Save, multiple autos, good driver, Steer Clear safe driver discount, and multiple policy.
• Progressive offers discounts for online signing, continuous coverage, online quote discount, good student, homeowner, multi-policy, and multi-vehicle.
• Allstate may offer discounts for anti-theft, passive restraint, EZ pay plan discount, safe driver, and senior citizen.
• Nationwide may include discounts for easy pay, family plan, accident-free, anti-theft, Farm Bureau membership, good student, and defensive driving.
• MetLife has discounts for claim-free, defensive driver, multi-policy, good student, accident-free, and good driver.

If you need lower rates, check with every company to give you their best rates. Some credits might not be offered on policies in every state. To see insurers that can offer you the previously mentioned discounts, click this link.

What determines Ford Five Hundred insurance prices?

Smart consumers have a good feel for the factors that help calculate the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Many factors are part of the equation when you get your auto insurance bill. Some are obvious such as traffic violations, although others are not quite as obvious like your vehicle usage and annual miles driven.

• Prices can change based on your address – Being located in areas with lower population has definite advantages when buying car insurance. Lower population means less chance of accidents. City drivers have to deal with congested traffic and more severe claims. More time behind the wheel means more chance of being in an accident.
• Never let your car insurance expire – Driving without insurance coverage in place is a misdemeanor and companies may charge more for letting your insurance lapse. In addition to paying higher rates, failure to provide proof of insurance may earn you fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Do you really need the add-on coverages? – There are quite a few additional extra coverages that may not really be needed when buying car insurance. Insurance for things like replacement cost coverage, accidental death, and extra life insurance coverage may not be needed and are just wasting money. The coverages may be enticing when discussing your needs, but now you might not need them so eliminate them to save money.
• Drivers with high credit save on car insurance – Having a good credit score is a big factor in determining your rates. People that have very high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit history is lower than you’d like, you could be paying less to insure your 1997 Ford Five Hundred by taking the time to improve your credit score.

Different people need different insurance coverage coverages

When it comes to choosing coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if you may require specific advice.

• How can I get high-risk coverage after a DUI?
• Am I covered if I drive in a foreign country?
• Does my 1997 Ford Five Hundred qualify for pleasure use?
• Do I need added coverage for expensive stereo equipment?
• Am I covered when driving someone else’s vehicle?
• Is my nanny covered when driving my vehicle?
• When can my company non-renew my policy?
• I don’t drive much so do I pay less?

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 you can get the answers you need.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for doctor visits, dental work and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage – This will pay to fix damage to your Five Hundred caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Five Hundred.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability coverage – This protects you from damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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 policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Buy online or local, you save

Cheaper car insurance is possible on the web as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not provide price quotes online and most of the time these smaller companies only sell through local independent agencies.

In this article, we presented some good ideas how you can compare 1997 Ford Five Hundred insurance auto insurance rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may discover the lowest auto insurance rates are with the smaller companies.

Consumers leave their current company for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, high rates after DUI convictions or even policy cancellation. Whatever your reason, switching companies is not as hard as you think.

Additional information is located at these links:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Learn About Car Insurance (Geico)
• Safe Vehicles for Teens (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Safety Features for Your New Car (State Farm)