Save on 2015 Ford Five Hundred Car Insurance Quotes

Locating low-cost insurance for your Ford Five Hundred can normally be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for insurance coverage so you’re going to learn the absolute fastest way to compare rates for a Ford and find the best price possible either online or from local insurance agents.

Take policy discounts and save

Insurance is easily one of your largest bills, but you may be missing some discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time of purchase, but once in a while a discount must be specifically requested prior to getting the savings.

  • Telematics Devices – Drivers who agree to allow data collection to track driving habits remotely like Allstate’s Drivewise could possibly reduce rates as long as the data is positive.
  • Low Mileage – Driving fewer miles could qualify for slightly better prices than normal.
  • Own a Home – Simply owning a home may earn you a small savings since owning and maintaining a home requires personal responsibility.
  • Auto/Home Discount – If you have multiple policies and place coverage with the same company you could save up to 20% and get you the cheapest insurance.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
  • Federal Employees – Active or former government employment could qualify for a slight premium decrease for Five Hundred coverage with certain companies.
  • Good Drivers – Drivers without accidents may receive a discount up to 45% for Five Hundred coverage than less cautious drivers.
  • E-sign – Certain insurance companies will give you a small discount get insurance digitally online.
  • Organization Discounts – Being in qualifying employment or professional organizations is a good way to get lower rates on your policy.
  • Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.

Just know that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.

Companies who may offer some of the above discounts possibly include:

When quoting, ask each insurance company how many discounts you can get. Savings might not be available to policyholders in your area. If you would like to see a list of insurance companies that offer discounts, click here to view.

Where can I get affordable car insurance?

Many insurance companies make it easy to get prices directly from their websites. Doing online price comparisons is pretty painless as you simply enter the coverage amounts you desire into a form. After you complete the form, their rating system requests your driving and credit reports and provides a quote.

Online quotes helps simplify price comparisons, but having to visit multiple sites and type in the same data is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible if you want to get the lowest possible prices on car insurance.

Online rates the easy way

A quicker way to find cheaper rates uses just one form that gets prices from a bunch of companies at once. This type of form saves time, requires less work, and makes online shopping much simpler. Immediately after submitting the form, it is quoted with multiple companies and you can pick any one of the resulting price quotes. If you find a better price you simply finish the application and buy the policy. It takes less than 15 minutes and you’ll know if lower rates are available.

In order to compare rates now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you input your coverages exactly as shown on your declarations page. Doing this guarantees you will be getting a fair comparison based on similar coverages.

The Ford Five Hundred insurance cost equation

Multiple criteria are used when you get your auto insurance bill. Most are fairly basic such as your driving history, although others are not as apparent such as your marital status and annual miles driven.It’s important that you understand some of the things that aid in calculating your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that could help you find lower premium levels.

  • lapses raise premiums – Having an insurance coverage lapse can be a quick way to increase your insurance coverage rates. In addition to paying higher premiums, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Lower premiums for safer cars – Vehicles with high crash test scores tend to have better insurance rates. Highly rated vehicles reduce injuries and reduced instances of injuries means less claims paid passed on to you as lower rates. If your Ford has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Remove unneeded incidental coverages – There are many optional add-on coverages that sound like a good idea at the time on your Five Hundred policy. Add-on coverages like vanishing deductibles, accident forgiveness, and membership fees are examples of these. You may think they are a good idea when buying your policy, but if they’re wasting money eliminate them to save money.
  • You may save more by bundling policies – Most insurers allow better rates to clients that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you qualify for this discount already, you still need to compare other company rates to help ensure you have the lowest rates. It’s possible to still save even more by insuring with multiple companies.
  • Credit rating impacts premium rates – An insured’s credit score is likely to be a major factor in calculating your premium rate. So if your credit is low, you could be paying less to insure your 2015 Ford Five Hundred by improving your credit score. Drivers with good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings.
  • Do you really need to file that claims? – Companies give lower rates to policyholders who only file infrequent claims. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is designed for claims that you cannot pay yourself.

Which policy gives me the best coverage?

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

These are some specific questions might point out if you will benefit from professional help.

  • Does medical payments coverage apply to all occupants?
  • Are my friends covered when driving my car?
  • Do I pay less for low miles?
  • Is my babysitter covered when using my vehicle?
  • Why do I only qualify for high-risk insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Is there deception in advertising?

Consumers can’t get away from ads for insurance coverage savings from the likes of 21st Century, Allstate and State Farm. They all seem to make an identical promise that drivers will save a bundle just by switching your insurance coverage policy to them.

But how can every company make almost identical claims? It’s all in the words they use.

Most companies quote their best rates for the type of driver that will not have excessive claims. For example, a profitable risk profile may need to be between the ages of 30 and 45, has a clear driving record, and drives a safe vehicle. Anybody that hits that “sweet spot” will probably get cheap rates and have a good chance to save when switching.

Potential customers who do not fit the ideal profile will be charged a higher rate which translates to the driver buying from a lower-cost company. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully make those claims. Because of these techniques, it is so important to compare many company’s prices. Because you never know with any certainty which company will have the lowest rates.

Auto insurance coverage information

Learning about specific coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, fire damage, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

Collision coverage covers damage to your Five Hundred resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage provides protection from damage that occurs to a person or their property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as court costs, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, funeral costs, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Shop smart and save

In this article, we presented a lot of tips how to lower your 2015 Ford Five Hundred insurance premium rates. The key concept to understand is the more quotes you get, the higher your chance of finding the cheapest insurance. Consumers may even find the most savings is with some of the lesser-known companies.

Drivers who switch companies do it for many reasons like high rates after DUI convictions, delays in responding to claim requests, extreme rates for teen drivers and being labeled a high risk driver. It doesn’t matter why you want to switch finding a new auto insurance company is not as hard as you think.

Cheaper 2015 Ford Five Hundred insurance is possible on the web and also from your neighborhood agents, so get free insurance quotes from both of them so you have a total pricing picture. Some auto insurance companies may not provide rate quotes online and these smaller providers prefer to sell through local independent agents.

For more information, link through to the following helpful articles: