Save on 1991 Ford Five Hundred Car Insurance Cost

Are you irritated from trying to scrape together enough money to buy insurance? You are no different than many other drivers.

Many insurance companies compete for your business, and it can be difficult to compare rates to find the lowest cost out there.

Get affordable insurance rates with discounts

Buying insurance is not cheap, but you may find discounts that can dramatically reduce your bill. Some trigger automatically when you purchase, but a few must be asked about in order for you to get them.

• Good Student Discount – Excelling in school may save as much as 25% on a car insurance quote. Earning this discount can benefit you until age 25.
• Sign Early and Save – Some larger companies give discounts for switching policies early. It can save you around 10%.
• Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident before raising your premiums if you have no claims for a certain period of time.
• Paperwork-free – A handful of insurance companies provide a small discount shop car insurance on your computer.
• Air Bag Discount – Factory air bags can qualify for discounts of 25 to 30%.
• Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
• Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
• Discount for Low Mileage – Low annual miles could earn lower rates due to less chance of an accident.

Please keep in mind that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To locate insurance companies that offer some of these discounts, click here.

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Auto insurance quotes comparison

When comparison shopping, there are several ways to obtain and compare prices from lots of auto insurance companies. The quickest method to compare 1991 Ford Five Hundred insurance prices consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.

1. Hands down the most simple method to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This quick form keeps you from doing separate quote forms for every prospective company. One form submission compares rates from multiple companies.
2. A harder way to get comparison quotes requires visiting each company website and request a quote. For instance, we’ll pretend you are doing a rate comparison from Allstate, Safeco and GMAC. In order to compare rates, you need to spend time going to each site individually and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
3. The hardest method to compare price estimates is to drive around to and from local insurance agencies. The internet makes this process obsolete unless you have a need for the professional assistance only provided by licensed agents. Although you can compare online quotes but buy the policy through an agent.

Whichever method you choose, make sure you compare nearly identical deductibles and coverage limits on every quote you get. If you are comparing different limits and deductibles on each one it’s impossible to determine the best price for your Ford Five Hundred. Slightly different insurance coverages can make a big difference in price. And when comparison shopping, comparing a large number of companies helps locate more affordable insurance.

Five factors that affect insurance premiums

Many different elements are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving history, but other factors are not as apparent like your vehicle usage or your vehicle rating.An important part of buying insurance is that you know some of the factors that come into play when calculating your policy premiums. When you know what positively or negatively determines premiums, this enables informed choices that could help you find better auto insurance rates.

• Decrease premiums by maintaining coverage – Letting your insurance expire can be a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, the inability to provide proof of insurance may result in fines or a revoked license.
• Increase coverage deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Ford. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The deductibles are how much you are required to spend out-of-pocket if a covered claim is submitted. The more expense you pay before a claim is paid (deductible), the less money you will pay for auto insurance for Five Hundred coverage.
• Cheaper to insure women? – The statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Women and men tend to get into at-fault accidents in similar numbers, but the males have accidents that have higher claims. In addition to higher claims, males also get higher numbers of serious violations like driving under the influence (DUI). Young men ages 16 to 20 generally have the highest accident percentage and therefore pay the highest rates.
• Deter car thieves – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.
• Married people drive safer – Your spouse may cut your premiums on your auto insurance policy. Marriage translates into being more stable financially it has been statistically shown that married drivers get in fewer accidents.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help highlight whether or not you might need professional guidance.

• Does my personal policy cover me when driving out-of-state?
• Do I have coverage when using my vehicle for my home business?
• Do I benefit by insuring my home with the same company?
• Does my car insurance cover rental cars?
• Is motorclub coverage worth it?
• Who is covered by my policy?
• Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

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Save $466 a year. For real?

State Farm and Allstate continually stream television, radio, and online ads. They all seem to seem to make the promise about how much you will save if you just switch your coverage to them. How can each company offer you a better deal? It’s all in the numbers.

Companies can use profiling for the type of insured that earns them the highest profit. For instance, a profitable risk profile could possibly be a married female, owns their home, and drives less than 7,500 miles a year. Anyone who matches that profile receives the best rates as well as save money with a new company.

People who do not fit the requirements will get higher rates which leads to the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make it sound like they have such great prices.

Because each company has a different risk profile, you really should compare price quotes frequently. It is just not possible to predict the company that will have better premium rates than you’re paying now.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Liability coverages

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, funeral expenses, attorney fees 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.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses like rehabilitation expenses, surgery and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.

Don’t throw your cash in the trash

In this article, we presented many ways to shop for 1991 Ford Five Hundred insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even find the lowest rates come from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Discount 1991 Ford Five Hundred insurance can be sourced both online as well as from independent agents, so get free car insurance quotes from both of them to have the best selection. There are still a few companies who may not have the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent insurance agents.

To read more, feel free to browse the articles below:

• Car Insurance: When not to Skimp (BankRate.com)
• Vehicle Safety Ratings (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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