2006 Ford Five Hundred Insurance Quotes

Looking for the cheapest insurance coverage rates for your Ford Five Hundred? Finding cheaper prices for insurance coverage may be slightly frustrating for drivers new to online insurance quotes. Consumers have so many options that it can turn into a difficult mission to find the perfect company for you.

Smart consumers take time to compare rates occasionally because insurance rates are rarely the same from one policy term to another. Just because you had the lowest premium rates on Five Hundred coverage on your last policy a different company probably has better prices today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the quickest way to find great coverage at a great price.

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Finding the best coverage is simple if you know the tricks. But drivers need to learn the way insurance companies compete online.

How to lower your car insurance cost

Shopping for lower car insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You could spend your day driving to agents in your area, or you could use online quotes to accomplish the same thing much quicker.

Many of the larger companies are enrolled in a marketplace where insurance shoppers send in one quote, and at least one company provides a quote. This prevents consumers from doing quote forms for every car insurance company.

To get comparison pricing now click here to start a free quote.

The only downside to getting quotes like this is you can’t choose the companies you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, do your best to use equivalent quote information for each quote you get. If you have different coverage information it will be very difficult to decipher which rate is best. Just slight variations in insurance coverages or limits may cause a big price difference. And when quoting car insurance, remember that comparing a wide range of rates helps increase your odds of locating more affordable insurance. Some smaller insurers to not give quotes online, so you need to compare rates from the smaller companies as well.

Get cheap rates by taking advantage of discounts

Car insurance companies don’t always advertise every disount available in an easy-to-find place, so we break down a few of the more common and also the more inconspicuous discounts that may be available. If you don’t get every credit you qualify for, you are not getting the best rate possible.

  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less on Five Hundred coverage compared to accident prone drivers.
  • Distant College Student Discount – Older children who are attending college and leave their car at home can be insured at a reduced rate.
  • Discount for Life Insurance – Companies who offer life insurance give a lower premium rate if you buy a life policy as well.
  • Data Collection Discounts – Drivers who elect to allow their insurance company to track when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they are good drivers.
  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are much safer to drive and will save you 10% or more.
  • Defensive Driver – Completing a defensive driver course is a good idea and can lower rates if you qualify.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.

One thing to note about discounts is that most discount credits are not given the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Some of the insurance companies that have most of these discounts possibly include:

Double check with each insurance company the best way to save money. Discounts may not apply in your area. To view insurance companies who offer discounts, click here.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions might point out whether you may require specific advice.

  • Am I covered when delivering products for my home-based business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need medical payments coverage since I have good health insurance?
  • I have health insurance so do I need medical payments coverage?
  • Do I need roadside assistance coverage?
  • Am I better off with higher deductibles on my 2006 Ford Five Hundred?
  • Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, a broken windshield, hitting a deer, vandalism and theft. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision coverage pays for damage to your Five Hundred resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for bills like dental work, hospital visits, X-ray expenses, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This coverage protects you from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things like attorney fees, loss of income, repair bills for other people’s vehicles, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 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. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Comments About 2006 Ford Five Hundred Insurance

  1. Nelda Riddle

    I live north of Manchester, New Hampshire. Got car insurance prices from AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my Five Hundred and saved just over $290 a year. Was with Amica. I have kids on my policy, too.

  2. Lavelle Frederick

    I live in a small town just outside of Boston, MA. I got free quotes from Nationwide, Eastwood, GEICO, and Auto-Owners for my 2006 Ford Five Hundred and saved $385 a year. I got a quote from their website.

  3. Sandra Donaldson

    I found pretty cheap rate quotes for a 2006 Ford Five Hundred in Cleveland, OH. Ended up at darn near $580 every six months with Auto-Owners. Might find lower rates online.

  4. Tanisha Harding

    I’m looking for cheaper coverage. Found cheapest coverage with Mercury for my Ford and am saving around $210 a year. I’m a pretty good driver though. You can get a rate quote online.

  5. Zelda Beasley

    Got a quote with Sentry for my 2006 Ford Five Hundred and cut my rates about $220 a year. I increased coverages a little too. It never hurts to quote around.

  6. Rafaela Gallagher

    I’ve had State Farm for years. I’m in Worcester, Massachusetts.

  7. Rachael Lane

    I got decent rates for a 2006 Ford Five Hundred in Kailua, Hawaii. Ended up at right around $210 every six months with AAA. Left State Farm to switch.

  8. Jeanette Sharpe

    I got quite a few price quotes for a 2006 Ford Five Hundred in Anchorage, Alaska. Ended up at right around $140 every six months with AIG Insurance. Insured with Sentry before.

  9. Rikki Nicholson

    Lifelong resident of New Haven, CT. I quoted with Amica, Nationwide, and a few others for my Ford and I think I cut my rates about $40 each month. You can get a rate quote online.