View 1995 Ford Five Hundred Car Insurance Quotes

Want the cheapest auto insurance rates for your Ford Five Hundred? Cutting costs on Driversauto insurance can be very difficult for drivers new to online comparison shopping. There are so many companies to choose from that it can be hard work to locate the lowest rates.

Smart consumers take time to shop coverage around as often as possible because insurance prices fluctuate regularly. If you had the best deal on Five Hundred insurance at your last renewal you can probably find a better rate now. Block out anything you think you know about auto insurance because we’re going to show you the fastest way to save on auto insurance.

Insurance Discounts

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Some of these disounts will be visible at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings.

  • Theft Deterent System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.
  • Claim-Free Discount – Claim-free drivers pay less as opposed to bad drivers.
  • Paperless Signup – Some companies will give you a small discount for completing your application on the web.
  • Smart Student Discounts – Getting good grades can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Distant College Student Discount – Children who live away from home to go to college and do not take a car to college may qualify for this discount.
  • No Charge for an Accident – Not a discount per se, but a few companies such as State Farm and GEICO will turn a blind eye to one accident before your rates go up so long as you are claim-free for a specific time period.
  • Include Life Insurance and Save – Larger insurance carriers have a discount if you purchase some life insurance too.

As a disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic.

Companies and their possible discounts are detailed below.

  • AAA offers premium reductions for pay-in-full, good driver, multi-car, good student, and multi-policy.
  • Progressive offers discounts for online signing, multi-vehicle, online quote discount, multi-policy, homeowner, and good student.
  • State Farm may have discounts that include multiple policy, good student, student away at school, anti-theft, defensive driving training, and Drive Safe & Save.
  • Esurance policyholders can earn discounts including online quote, good driver, good student, renters, DriveSense, and paid-in-full.
  • Nationwide discounts include easy pay, anti-theft, multi-policy, family plan, accident-free, and defensive driving.

Check with every insurance company what discounts are available to you. Some credits may not be available in your area. To view insurance companies who offer free insurance quotes, click this link.

How insurers determine Ford Five Hundred insurance premiums

When buying insurance coverage it’s important to understand the rating factors that aid in calculating your insurance coverage rates. When consumers understand what determines base rates, this enables informed choices that may result in big savings. Many different elements are part of the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, although others are less obvious like your continuous coverage and annual miles driven.

  • Low mileage costs less – The more you drive in a year’s time the more you will pay for insurance coverage. Many insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles that do not get driven very much receive lower rates than those used for commuting. Having the wrong rating on your Five Hundred may be costing you. Make sure your insurance coverage coverage is rated on the correct usage for each vehicle.
  • Choose high IIHS safety ratings and save – Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Ford is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • lapses raise prices – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a revoked license or a big fine.
  • Vehicle theft costs us all – Driving a car with a theft deterrent system can save you a little every year. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • Can my teen drive my company car?
  • Am I covered if I crash into my own garage door?
  • Why do I only qualify for high-risk insurance?
  • How can I find cheaper teen driver insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage if my license is suspended?
  • Do I need more liability coverage?
  • What is PIP insurance?
  • How much liability coverage do I need in my state?

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 insurance agent. To find an agent in your area, complete this form.

Car insurance coverage information

Learning about specific coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – This coverage will pay to fix damage to your Five Hundred resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, crashing into a building, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, rock chips in glass and hitting a bird. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, medical expenses, funeral expenses, bail bonds and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 1995 Ford Five Hundred.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Get your money’s worth

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In many instances, someone sacrificed liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Drivers change insurance companies for any number of reasons including not issuing a premium refund, policy cancellation, extreme rates for teen drivers and questionable increases in premium. No matter why you want to switch, choosing a new insurance company is actually quite simple.

In this article, we covered many ideas to lower your 1995 Ford Five Hundred insurance prices. The most important thing to understand is the more times you quote, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the best price on insurance is with some of the smallest insurance companies.

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