How Much Does 2010 Ford Five Hundred Car Insurance Cost?

Finding low-cost insurance for a Ford Five Hundred could be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to find insurance online and we’ll show you the quickest way to compare rates for a new or used Ford and obtain the lowest price either online or from local insurance agents.

It’s a great practice to get comparison quotes quite often because insurance prices change frequently. Just because you found the lowest rates for Five Hundred insurance two years ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because we’re going to show you the things you must know in order to find better rates and still maintain coverage.

Buy auto insurance online

Effectively comparing auto insurance prices can take hours if you aren’t aware of the easiest way. You could spend your day talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Many popular insurance companies take part in a program where prospective buyers enter their policy data once, and each company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to using this type of form is that consumers can’t choose which insurance companies to get quotes from. So if you want to choose specific insurance companies to compare rates, we put together a list of auto insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you compare nearly identical coverage limits and deductibles for every quote you compare. If you enter differing limits you will not be able to make a fair rate comparison.

Car insurance policy discounts

Some insurers don’t always advertise every disount available very well, so the next list breaks down both well-publicized as well as the least known credits available to you.

  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Government Employee Discount – Federal government employees could qualify for a slight premium decrease for Five Hundred insurance with some car insurance companies.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up could cut 10% or more off PIP or medical payments premium.
  • Multi-policy Discount – If you have multiple policies and insure them with the same company you could earn a discount of approximately 10% to 15%.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky.

The best car insurance companies and a summarized list of policyholder discounts can be read below.

  • State Farm may have discounts that include good student, safe vehicle, student away at school, defensive driving training, accident-free, good driver, and multiple policy.
  • Progressive offers discounts including online quote discount, continuous coverage, good student, homeowner, and online signing.
  • Progressive includes discounts for good student, online signing, online quote discount, multi-vehicle, continuous coverage, homeowner, and multi-policy.
  • MetLife offers discounts for good student, multi-policy, defensive driver, claim-free, good driver, and accident-free.
  • Farm Bureau has discounts for youthful driver, renewal discount, safe driver, 55 and retired, and multi-policy.
  • GEICO discounts include military active duty, multi-vehicle, driver training, emergency military deployment, and federal employee.
  • SAFECO may offer discounts for drive less, anti-theft, teen safety rewards, safe driver, homeowner, accident prevention training, and multi-car.

Before buying, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in your area. To see car insurance companies who offer discounts, click here.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions may help you determine if your situation might need an agent’s assistance.

  • Is other people’s property covered if stolen from my vehicle?
  • Is my camper covered by my car insurance policy?
  • When should I remove comp and collision on my 2010 Ford Five Hundred?
  • Is a blown tire covered by insurance?
  • Is my custom paint covered by insurance?
  • When would I need additional glass coverage?
  • Is my 2010 Ford Five Hundred covered for smoke damage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, fire damage, hitting a deer, hail damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” 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.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for surgery, X-ray expenses, ambulance fees, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, sustaining damage from a pot hole, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Liability

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, medical services and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comments About 2010 Ford Five Hundred Insurance

  1. Tammi Oneil

    Great site. I live just outside Tacoma, WA. Got car insurance prices from AAA, MetLife, and some smaller one I can’t remember the name of for my Ford and saved around $470 a year. Left Sentry to switch. I get multi-vehicle and multi-policy discounts. You can get a rate quote online.

  2. So Cobb

    Any GEICO or Farmers customers near Virginia Beach, VA?

  3. Jacqueline Cotton

    I’m in Hilo, HI, and Progressive rates were affordable. Have a couple speeding tickets too.

  4. Brande Craft

    I went with Allstate at renewal. Best rates in Charleston, South Carolina. Online quotes are the way to go.

  5. Cierra Heath

    I’m in the north part of Paterson, NJ. Got prices from Amica, Encompass, and MetLife for my 2010 Ford Five Hundred and saved just over $430 a year.

  6. Mitch Avila

    Does 21st Century have good customer service?

  7. Micki Lowe

    When should I drop comp and collision?

  8. Burl Randall

    Will GEICO give discounts for good grades?

  9. Heidy Carney

    Does State Farm offer good discounts?

  10. Brandon Gordon

    I’m in the south part of Green Bay, WI. Got rates from USAA, Auto-Owners, The General, and Sentry for my Ford and I’m now saving $15 a month. Insured with USAA before. I recommend comparing lots of rates.

  11. Eugena Gallegos

    If you’re a decent driver and live around Lincoln, NE, check out Progressive. They seem to be cheaper.

  12. Darla Farmer

    Will State Farm be cheaper if I raise deductibles?