View 1999 Ford Five Hundred Insurance Rates

Searching for low-cost insurance for your Ford Five Hundred could be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to find car insurance online so we’re going to tell you the absolute fastest way to compare rates for a new or used Ford and find the cheapest rates from both online companies and local agents.

It’s important to quote other rates every six months since insurance prices are adjusted regularly by insurance companies. Just because you had the lowest rates for Five Hundred insurance six months ago you may be paying too much now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the right way to reduce your cost while improving coverage.

Finding the best rates is not rocket science. If you have insurance now or are shopping for new coverage, you can use these techniques to cut your premiums and still get good coverage. Drivers just need to understand the proper way to compare prices online.

Informed decisions result in lower insurance prices

Many different elements are considered when quoting car insurance. Some factors are common sense like your driving record, but other factors are more obscure such as your credit history or your financial responsibility.

The following are a few of the things used by insurance companies to determine prices.

  • Youthful drivers pay higher costs – Older people are proven to be safer behind the wheel, cost insurance companies less in claims , and usually have better credit.Teenage drivers are known to be inattentive when driving therefore car insurance rates are much higher.
  • Lower premiums with GPS tracking and theft deterrents – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.
  • Annual mileage and car insurance rates – The higher the miles on your Ford in a year the higher your rates will be. The majority of insurers calculate rates determined by how the vehicle is used. Cars used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. Having the wrong rating on your Five Hundred is just wasting money. It’s a smart idea to ensure your car insurance policy correctly shows the right rating data, because improper ratings can cost you money.
  • Rates increase with driving citations – Even a single moving violation can increase rates to the point where it’s not affordable. Drivers who don’t get tickets have lower premiums as compared to careless drivers. Drivers who have gotten dangerous violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
  • How much liability insurance do you need? – Your car insurance policy’s liability coverage is the protection in the event that you are ruled to be at fault for physical damage or personal injury to other. Your liability coverage provides legal defense to defend your case. Liability insurance is quite affordable compared to comp and collision, so insureds should have plenty of protection for their assets.
  • A lpolicy lapse is a bad thing – Driving any period of time without insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, being ticketed for driving with no insurance could result in a steep fine or even jail time.
  • Frequent insurance claims will cost you more – Car insurance companies award cheaper rates to drivers who are claim-free. If you file a lot of claims you can look forward to either higher rates or even cancellation. Your car insurance is meant to be used in the event of more catestrophic claims.
  • Get better rates if you’re married – Being married may earn you lower rates when shopping for car insurance. Having a spouse means you’re more financially stable and insurance companies like that drivers who are married are more cautious.

Insurance coverage quotes comparison

Finding more affordable insurance coverage quotes can be quick and easy. You just have to spend a little time to get quotes to find the company with inexpensive auto insurance quotes. It is quite easy and can be accomplished using one of these methods.

The fastest and easiest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do repetitive form submissions for every insurance coverage company. A single form will get you rate comparisons from insurance coverage companies with the best prices. It’s definitely the quickest method.

A less efficient way to find lower rates is spending the time to visit each company’s website to request a price quote. For instance, let’s assume you want to compare Farmers, Allstate and GMAC. To find out each rate you need to go to each individual site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using equivalent information on every price quote you get. If you compare mixed coverages you can’t possibly determine the best price for your Ford Five Hundred.

Earn discounts to get lower-cost insurance rates

Companies offering auto insurance don’t always publicize all their discounts very well, so the list below details some of the more common and the more hidden credits available to lower your premiums when you buy auto insurance online.

  • Theft Deterent Discount – Cars with anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Switch and Save Discount – Some insurance companies reward drivers for switching policies before your current expiration date. You may see this discount when you get auto insurance quotes online.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and will save you 10% or more.
  • Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
  • Driver Safety – Taking a course in safe driver is a good idea and can lower rates and easily recoup the cost of the course.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Discount for Low Mileage – Keeping the miles down on your Ford could be rewarded with substantially lower insurancerates.
  • Accident Free – Drivers who don’t have accidents have much lower rates as opposed to accident-prone drivers.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you’re out of luck. Any amount of discount will cut your insurance premiums.

To see insurers with the best discounts, follow this link.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions could help you determine if you will benefit from professional help.

  • Do I need more liability coverage?
  • Can I afford to buy a different vehicle if my 1999 Ford Five Hundred is totaled?
  • What happens if I owe more than my 1999 Ford Five Hundred is worth?
  • Am I covered when driving a rental car?
  • Does coverage extend to my business vehicle?
  • How do I insure my teen driver?
  • Does having multiple vehicles earn me a discount?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Car insurance coverages for a 1999 Ford Five Hundred

Having a good grasp of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for prosthetic devices, surgery, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage, damage from a tornado or hurricane, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Five Hundred.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability

Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, medical expenses and emergency aid. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision coverage

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

Collision coverage pays for claims like damaging your car on a curb, backing into a parked car, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

A penny saved is a penny earned

Insureds leave their current company for any number of reasons including questionable increases in premium, poor customer service, denial of a claim or high rates after DUI convictions. It doesn’t matter what your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

A few companies do not offer rate quotes online regional insurance providers prefer to sell through local independent agencies. The cheapest 1999 Ford Five Hundred insurance can be bought online as well as from independent agents, so you need to compare both to get a complete price analysis.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Additional insurance coverage information is available at the links below

Comments About 1999 Ford Five Hundred Insurance

  1. Keva Quinn

    Hope my rates come down. I’m in Juneau, Alaska. I got free quotes from GEICO, Hanover, and Eastwood for my Ford and am saving around $90 a year.

  2. Dena Watkins

    I live just outside Madison, WI. Compared rates from a lot of places. Saved roughly $20 a month. State Farm was the best choice for me. I don’t have comp or collision coverage.

  3. Becky Rodriguez

    Cheaper not always better. Proud to be from Bellevue, NE. Not sure of all the companies but I ended up saving about $20 each month. God forbid I actually have a claim. I don’t insure for physical damage though.

  4. Lakisha Davenport

    Will Progressive cancel my policy for a liability claim?

  5. Lauran Conner

    Cheaper car insurance is a myth. Quoted with AAA for my Ford and saved about $60 a year. I increased coverages a little too. I just carry liability insurance.

  6. Zona Ashley

    Lifelong resident of Kailua, HI. Got car insurance quotes with Nationwide, Eastwood, Progressive, and Auto-Owners for my 1999 Ford Five Hundred and I think I saved around $20 each month. Anyone else drop full coverage?

  7. Fernande Jacobson

    I’ve insured with 21st Century for a long time. Pretty cheap in Parkersburg, WV.

  8. Ulrike Briggs

    Cheaper not always better. I’m in the west part of North Charleston, South Carolina. Received prices from AAA, Sentry, and Western Auto Insurance for my Ford and I’m now saving $22 a month. Left AIG Insurance to switch. I used their website to get prices.

  9. Lawerence Briggs

    I’ve had GEICO for years. I’m in Kailua, HI.

  10. Sherril Simmons

    Hope my car insurance gets cheaper. I live just to the south of Buffalo, NY. Quoted with AAA, MetLife, and some smaller one I can’t remember the name of for my 1999 Ford Five Hundred and saved $89 a year. Even increased coverage a bit. God forbid I actually have a claim. Only insure liability on my Five Hundred.

  11. Sebastian Morgan

    If you don’t have tickets and live near San Antonio, Texas, check out 21st Century. They seem to be cheaper. Was with Hanover. Have a couple speeding tickets too.

  12. Claudia Mcdaniel

    Not sure if this is cheap. Live in Shreveport, Louisiana. I quoted with American Family, Nationwide, and USAA for my 1999 Ford Five Hundred and I think I cut my rates about $10 each month. BTW speeding tickets are not good. I got a quote from their website. Not worth enough to pay for comprehensive and collision.