Save on 2011 Ford Five Hundred Insurance Quotes

Looking for better insurance coverage rates for your Ford Five Hundred? Getting the cheapest insurance coverage might seem somewhat difficult for people new to comparison shopping online. When there are so many online companies available, how can anyone efficiently compare every company in order to find the cheapest rates?

It is always a good idea to check insurance coverage prices every six months because insurance prices tend to go up over time. If you had the lowest price for Five Hundred insurance last year you can probably find a better rate now. Forget all the misinformation about insurance coverage because I’m going to teach you the things you must know in order to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Finding affordable coverage is quite easy. But car owners can benefit from knowing how the larger insurance companies compete online and apply this information to your search.

Lower rate quotes by taking advantage of discounts

Insurance is not cheap nor is it fun to buy but you may be missing some discounts that could help you make your next renewal payment. Most are applied when you purchase, but occassionally some discounts must be manually applied before you will receive the discount.

  • Defensive Driver Discount – Participating in a course in driver safety could save 5% or more and easily pay for the cost of the class.
  • Switch and Save Discount – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Save over 55 – Older drivers may qualify for a small discount on rates for Five Hundred insurance.
  • Theft Deterent System – Vehicles optioned with advanced anti-theft systems can help prevent theft and will save you 10% or more.
  • No Claims – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Bundle and Save – If you combine your auto and homeowners policies with one insurance company you will save 10% to 20% off each policy.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discounted insurance rate on car insurance if you buy a life insurance policy as well.
  • Discounts for New Vehicles – Adding a new car to your policy can be considerably cheaper since newer vehicles are generally safer.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Five Hundred insurance than drivers with accidents.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will cut your overall premium however.

Some of the insurance companies that possibly offer these discounts are:

Double check with each insurance company how many discounts you can get. Discounts may not apply to policies in your state. If you would like to see a list of insurers that offer multiple discounts, click this link.

How to compare free insurance quotes

When shopping for cheaper auto insurance quotes, there are a couple of ways to compare quotes from lots of insurance companies. By far the easiest way to find cheaper 2011 Ford Five Hundred rates is to get quotes online. It’s really quite simple and can be done using a couple different methods.

  1. The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating repetitive form submissions for each company you want a rate for. One form submission gets you coverage quotes from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A harder way to get comparison quotes requires visiting the website for each individual company and repeat the quote process. For instance, we’ll assume you want to compare rates from Farmers, GEICO and American Family. In order to get each rate, you would have to go to each individual site to input your insurance information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. Even if you have time, the least recommended way to get rate quotes is driving to different agent offices. The internet has made agencies unnecessary unless you have a need for the professional abilities that can only be provided by a licensed insurance agent. Some companies do allow you to compare online quotes but purchase the actual policy in an agency.

It’s your choice how you get your quotes, but be certain you are entering apples-to-apples information for every company. If you are comparing differing limits it will be very difficult to make a fair rate comparison. Just slight variations in insurance coverages can result in a big premium difference. Just keep in mind that quoting more will improve the odds of getting more affordable insurance.

How much insurance do I need?

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • What if I owe more than I can insure my car for?
  • Am I covered if I break a side mirror?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Who is covered by my policy?
  • Does my 2011 Ford Five Hundred qualify for pleasure use?
  • What is an SR-22 filing?
  • Is my 2011 Ford Five Hundred covered for smoke damage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Educate yourself about insurance coverages

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage 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, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things such as repair costs for stationary objects, repair bills for other people’s vehicles, court costs and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 2011 Ford Five Hundred.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a bird, fire damage and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision coverage covers damage to your Five Hundred caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as chiropractic care, dental work, hospital visits and nursing services. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Make an honest buck

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many situations where drivers have reduced liability limits or collision coverage only to discover later that it was a big mistake. The proper strategy is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Cheaper 2011 Ford Five Hundred insurance can be found both online in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not have online rate quotes and these smaller providers provide coverage only through local independent agencies.

Drivers leave their current company for a number of reasons such as delays in paying claims, not issuing a premium refund, poor customer service and policy non-renewal. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.

More detailed auto insurance information is located in these articles:

Comments About 2011 Ford Five Hundred Insurance

  1. Layla Coleman

    Nice post. I live just to the west of Kansas City, KS. Got car insurance quotes from GEICO, The General, and Encompass for my Ford and cut my rates about $370 a year. Thankfully I’m not a high risk driver. It’s still not cheap enough.

  2. Herlinda Sparks

    If you have a good history and live near Rapid City, SD, check out 21st Century. They seem to be cheaper. Left Farmers to switch.

  3. Theo Sampson

    I live in a small town just outside of Providence, RI. I quoted with Allstate, Amica, and some I forget for my Ford and I think I saved around $60 each month. Just go online and compare their rates.

  4. Cordie Holland

    Thought I’d throw in my experience. I’m in the suburbs of Chicago, IL. I got free rates from American Family, MetLife, and a few others for my Five Hundred and I’m now saving $63 a month. They have a lot of discounts available.

  5. Evangeline White

    I live in a small town just outside of Wilmington, DE. I compared lots of rates. Saved right around $40 a month. Progressive was the cheapest for me.

  6. Rina Blackwell

    Like your site, BTW. I live in a small town just outside of Saint Louis, Missouri. Received quotes from Auto-Owners, Eastwood, and Mercury for my 2011 Ford Five Hundred and I think I saved about $70 each month. I have kids on my policy, too. God forbid I actually have a claim.

  7. Armandina Sellers

    IMHO Colorado Springs, CO seems to have good rates from State Farm.

  8. Kelli Shepard

    What is comprehensive coverage?

  9. Breanna Alexander

    I think I’m paying too much. Live in the northern part of Baton Rouge, LA. I don’t recall every quote but I ended up saving about $30 each month. Have a couple speeding tickets too. Still almost need a second mortgage.

  10. Stacia Hunt

    I live west of Detroit, Michigan. Got free quotes online for a 2011 Ford Five Hundred. Ended up at about $440 savings annually. Went with GEICO. Insured with Allstate before. You can get a rate quote online.

  11. Vallie Cunningham

    I live just outside Rockford, Illinois. Got car insurance quotes from 21st Century, Amica, Erie, and GMAC for my 2011 Ford Five Hundred and saved $418 a year. Was with MetLife.

  12. Solomon Hayden

    Live in Miami, FL. Quoted quotes from American Family, Encompass, and Nationwide for my Ford and I’m now saving $44 a month. Was with Encompass. They have a lot of discounts available. Are quotes cheaper online?

  13. Felecia Faulkner

    Checking in from Madison, WI. I got free rates from AAA, Nationwide, and some smaller one I can’t remember the name of for my Ford and I’m now saving $27 a month. Insured with Esurance before. Can still barely afford it.

  14. Matthew Bishop

    Cheaper not always better. I live just to the north of Norfolk, Virginia. Received prices from Amica, Safeco, and some smaller one I can’t remember the name of for my Ford and I think I cut my rates about $40 each month. Not sure about claim service.

  15. Landon Stokes

    Are Progressive rates cheap in Rhode Island?