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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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