2014 Ford Five Hundred Car Insurance Rates – 10 Ideas for Cheapest Quotes

Trying to find cheaper car insurance rates for your Ford Five Hundred? Car insurance shoppers not familiar with price shopping insurance online may discover buying inexpensive insurance coverage to be a formidable task.

Pricing cheaper auto insurance can be fairly easy. In a nutshell, anyone who is shopping for auto insurance will most likely be able to save money. Nevertheless, car owners benefit from understanding the methods companies use to market insurance on the web and apply this information to your search.

Insurance Coverage Discounts

Car insurance can cost a lot, but you might find some hidden discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you quote, but occassionally some discounts must be manually applied before being credited.

  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Discount for Swiching Early – Some larger companies reward drivers for buying a policy prior to your current policy expiring. Ten percent is about the average savings.
  • Clubs and Organizations – Affiliation with a professional or civic organization may earn a discount when shopping for insurance coverage.
  • E-sign – Some larger companies will discount your bill up to fifty bucks just for signing your application online.
  • Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • More Vehicles More Savings – Purchasing coverage when you have more than one vehicle on one policy could earn a price break for each car.
  • Multi-line Discount – Not all insurance coverage companies offer life insurance, but some may give you a break if you buy life insurance.
  • Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will forgive one accident without getting socked with a rate hike as long as you don’t have any claims before the accident.

Remember that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

The best insurance coverage companies and the discounts they provide are detailed below.

  • State Farm offers discounts including safe vehicle, student away at school, accident-free, good student, Steer Clear safe driver discount, driver’s education, and Drive Safe & Save.
  • GEICO has savings for emergency military deployment, federal employee, anti-theft, membership and employees, and air bags.
  • SAFECO may include discounts for anti-theft, drive less, accident prevention training, teen safety rewards, safe driver, and bundle discounts.
  • Farmers Insurance has discounts for homeowner, teen driver, switch companies, bundle discounts, and youthful driver.
  • AAA offers premium reductions for pay-in-full, education and occupation, multi-car, multi-policy, anti-theft, and AAA membership discount.
  • USAA discounts include defensive driver, driver training, annual mileage, good student, and multi-policy.

If you want cheap insurance coverage quotes, ask all the companies how many discounts you can get. All car insurance discounts might not be offered in every state. If you would like to view insurers offering insurance coverage discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there isn’t really a perfect coverage plan. Every situation is different.

For instance, these questions might point out if you will benefit from professional help.

  • Is upholstery damage covered by car insurance?
  • What is the rate difference between pleasure use and commuting?
  • When should I drop full coverage on my 2014 Ford Five Hundred?
  • What if I owe more than I can insure my car for?
  • Is business property covered if stolen from my car?
  • Why do I need rental car insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Auto insurance coverages

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability

This coverage will cover damage that occurs to people or other property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like funeral expenses, emergency aid and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, backing into a parked car, hitting a parking meter, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, chiropractic care, EMT expenses, dental work and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and theft. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Make a quick buck

As you quote insurance coverage, never reduce needed coverages to save money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that it was a big error on their part. Your objective should be to buy the best coverage you can find at the best possible price, but do not skimp to save money.

You just learned a lot of information how to lower your 2014 Ford Five Hundred insurance car insurance rates. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting cheap insurance coverage. Drivers may discover the biggest savings come from the smaller companies.

Budget-conscious 2014 Ford Five Hundred insurance is available from both online companies in addition to local insurance agencies, so you need to shop insurance coverage with both to have the best chance of lowering rates. Some insurance providers may not offer online rate quotes and many times these small, regional companies only sell coverage through independent agents.

Additional learning opportunities

Comments About 2014 Ford Five Hundred Insurance

  1. Criselda Bowen

    From Virginia Beach, VA. Received quotes from AAA, Sentry, and a few others for my 2014 Ford Five Hundred and saved just over $520 a year.

  2. Melvin Deleon

    It all costs too much. I live just to the east of Rockford, IL. I quoted with AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my 2014 Ford Five Hundred and saved $546 a year. Left Nationwide to switch. Hopefully won’t need it.

  3. Katherin Rush

    State Farm is cheapest in Nevada! :)

  4. Sulema Thornton

    I drive uninsured.

  5. Tyler Brown

    Just my two cents. I live just to the east of Columbus, OH. Received rates from Allstate, Amica, and Encompass for my Five Hundred and saved just over $270 a year. Left Amica to switch. They have a lot of discounts available.

  6. Bonnie Woodard

    Will Allstate be cheaper if I raise deductibles?

  7. Libby Morin

    Cheap car insurance? What’s that? I live east of Frederick, MD. I got free quotes with Progressive, Liberty Mutual, and Erie for my Five Hundred and saved $255 a year. I have kids on my policy, too. It was easy to get rates.

  8. Asa Walsh

    I got a good deal I think. I live north of New York City, NY. Quoted with Hartford, Amica, Nationwide, and a couple others for my Ford and saved just over $250 a year. Was with AIG Insurance. I have several vehicles insured with them.

  9. Kizzy Greene

    If you’re a decent driver and live near Boise, ID, check out GEICO. They seem to be cheaper. I get multi-vehicle and multi-policy discounts. LOL

  10. Lisette Bass

    Does Allstate do SR22s in Illinois?

  11. Stephane Steele

    If you have a clean record and live near Allentown, Pennsylvania, check out GEICO. You might get cheaper rates. Was with Liberty Mutual.

  12. Ja Moss

    I live west of New York City, New York. Got quotes from GEICO, American Family, and some I forget for my 2014 Ford Five Hundred and saved just over $140 a year. :)

  13. Cordell Hays

    Cheapest quote for my 2014 Ford Five Hundred was with Encompass. Insured with Farmers before. Good savings if you bundle. It was easy to get rates.

  14. Manda Jensen

    Here’s what I found out. Located in Frederick, Maryland. Quoted with AAA, Safeco, and some smaller one I can’t remember the name of for my Ford and I’m now saving $26 a month. Insured with Nationwide before. I get lower rates because of my clean driving record.