2006 Ford Five Hundred Insurance Rates – 7 Tips for Cheaper Quotes

Trying to find lower insurance coverage rates? Buyers have options when searching for the lowest priced Ford Five Hundred insurance. They can either waste time calling around to compare prices or leverage the internet to compare rates. There is a better way to find insurance coverage online so we’re going to tell you the proper way to compare rates on a Ford and get the best price possible from local insurance agents and online providers.

If you have insurance now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. This information will familiarize you with the best way to quote coverages and some money-saving tips. Consumers just need to learn the tricks to get comparison rates online.

Quote insurance online

Most companies such as Allstate, GEICO and Progressive allow consumers to get prices for coverage directly from their websites. The process is very simple as you just enter your coverage preferences as detailed in the form. Once you submit the form, the system pulls credit information and your driving record and quotes a price based on the data you entered.

This makes comparing rates easy, but the time it takes to visit each company’s website and repetitively type in your information can be a bit repetitive. But it’s very important to have as many quotes as possible if you are searching for the lowest possible prices on insurance.

The easiest way to get multiple rate quotes is to use a quote form to obtain quotes from many companies. It saves time, requires less work, and makes quoting online much easier to do. Immediately after you send the form, it is rated with multiple companies and you can pick your choice of the quote results. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process just takes a couple of minutes and you will know how your current rates stack up.

To save time and find out what other companies charge, click here and begin entering your coverage information. If you have coverage now, it’s recommended you type in coverages and limits exactly as shown on your declarations page. Doing this guarantees you are getting a rate comparison using the same coverage and limits.

Can you really save if you switch?

Consumers constantly see and hear ads for cheaper insurance by companies like Allstate, GEICO and Progressive. All the ads advertise the message that drivers will save a bundle just by moving your policy.

How do they all charge you a lower premium?

Insurance companies have a certain “appetite” for the type of customer that is profitable for them. An example of this type of insured may be between 25 and 40, has no tickets, and drives a vehicle with a low ISO rating. A customer who fits that profile may get the lowest car insurance rates as well as save when switching.

Insureds who do not fit those criteria will get a higher premium and the customer not purchasing. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why companies can truthfully make claims that they all have the best car insurance rates. This really illustrates why you really need to compare as many free car insurance quotes as you can. It’s just not possible to know with any certainty which company will give you the biggest savings.

These seven discounts can lower your insurance rates

Insurance can cost an arm and a leg, but there may be some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but once in a while a discount must be requested specifically before they will apply.

  • No Claims – Drivers who don’t have accidents can save substantially as opposed to policyholders that have many claims.
  • Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease for Five Hundred coverage depending on your company.
  • Theft Deterent Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Safe Driver Discounts – Insureds who avoid accidents can save as much as half off their rates for Five Hundred coverage compared to rates paid by drivers with frequent claims.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates on your next insurance statement.
  • Paper-free Discount – Certain insurance companies may give you up to $50 for buying your policy digitally online.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you can avoid the installment charge.

Please keep in mind that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think you could get a free insurance policy, companies don’t profit that way.

Large insurance companies and a partial list of their discounts can be read below.

  • Esurance may have discounts that include renters, safety device, claim free, online shopper, and anti-lock brakes.
  • The Hartford offers discounts including anti-theft, good student, bundle, driver training, air bag, defensive driver, and vehicle fuel type.
  • AAA offers premium reductions for multi-policy, education and occupation, good student, pay-in-full, good driver, anti-theft, and multi-car.
  • GEICO includes discounts for multi-vehicle, emergency military deployment, seat belt use, multi-policy, anti-lock brakes, anti-theft, and air bags.
  • State Farm has savings for Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, student away at school, and accident-free.

If you need lower rates, check with every company how you can save money. Discounts might not be offered in your area. If you would like to choose from a list of insurance companies with significant discounts, click here to view.

Different people need different insurance coverage coverages

When buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

For example, these questions might point out whether you might need professional guidance.

  • Is my state a no-fault state?
  • Am I covered if I drive in a foreign country?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need replacement cost coverage?
  • What happens if I owe more than my 2006 Ford Five Hundred is worth?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my trailer covered?
  • Should I get collision insurance on every vehicle?
  • Is my ex-spouse still covered by my policy?
  • Do I need an umbrella policy?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Learn about auto insurance coverages for a 2006 Ford Five Hundred

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, doctor visits, ambulance fees and prosthetic devices. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage can cover damage that occurs to people or other property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as loss of income, structural damage and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Ford Five Hundred.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, fire damage, hail damage, falling objects and hitting a deer. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage covers damage to your Five Hundred resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Have money to burn

Low-cost 2006 Ford Five Hundred insurance is definitely available online as well as from independent agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not provide price quotes online and usually these small insurance companies provide coverage only through independent agencies.

We just showed you many ideas to compare 2006 Ford Five Hundred insurance premium rates online. The key concept to understand is the more quotes you get, the higher your chance of finding low cost car insurance. You may even find the lowest priced insurance comes from a small local company.

Consumers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, unfair underwriting practices and being labeled a high risk driver. No matter why you want to switch, finding a great new company is not as hard as you think.

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