Compare 1999 Ford Five Hundred Insurance Rates

Want cheaper insurance coverage rates for your Ford Five Hundred? If you are new to getting auto insurance quotes online, you may be overwhelmed by the diversity of insurance coverage companies that all promise to save you money.

Low cost insurance price quotes

Effectively comparing insurance prices is a ton of work if you don’t know the most efficient way. You can spend countless hours talking to insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers complete one form, and each company provides a quote based on the submitted data. This eliminates the need for form submissions for each company. To find out how much you’re overpaying now click here (opens in new window).

The one downside to using this type of form is you are unable to specify which companies to get pricing from. If you would rather choose specific providers to compare, we put together a list of insurance companies in your area. Click to view list.

Take whichever approach you prefer, but ensure you are comparing equivalent coverage data for each price quote. If you have different deductibles you will not be able to determine the best price for your Ford Five Hundred. Just a small difference in coverages could skew the results. Just keep in mind that quoting more provides better odds of finding better pricing.

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Insurance coverage discounts help reduce rates

Some insurance providers do not list the complete list of policy discounts very clearly, so the next list breaks down a few of the more common and the harder-to-find discounts that you may qualify for.

• Military Discounts – Having a deployed family member could trigger a small discount.
• Discount for Low Mileage – Driving less could be rewarded with lower insurance coveragerates due to less chance of an accident.
• Club Memberships – Being a member of a professional or civic organization could earn you a nice discount when getting a auto insurance quote.
• Defensive Driver Discounts – Taking part in a class that teaches safe driver techniques could save 5% or more and also improve your driving technique.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it can save substantially.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride. But all discounts will reduce your policy premium.

Larger insurance coverage companies and a summarized list of policyholder discounts are:

• Geico discounts include good student, anti-theft, emergency military deployment, military active duty, and five-year accident-free.
• Mercury Insurance has discounts for professional/association, age of vehicle, low natural disaster claims, location of vehicle, good student, multi-car, and annual mileage.
• Farmers Insurance offers discounts for teen driver, multi-car, distant student, youthful driver, homeowner, electronic funds transfer, and early shopping.
• Auto-Owners Insurance may offer discounts for safe vehicle, company car, air bags, good student, and multi-policy.
• Liberty Mutual offers premium reductions for exclusive group savings, new move discount, teen driver discount, multi-policy, newly married, and new graduate.
• SAFECO may have discounts that include drive less, multi-car, anti-theft, teen safe driver, homeowner, and bundle discounts.
• Progressive offers discounts including homeowner, multi-vehicle, good student, online quote discount, continuous coverage, and online signing.
• USAA includes discounts for multi-policy, multi-vehicle, vehicle storage, military installation, and defensive driver.

Double check with all companies you are considering what discounts are available to you. Savings may not apply in every state.

You can change your insurance costs

Smart consumers have a good feel for the different types of things that help determine your policy premiums. When consumers understand what impacts premium levels, this enables you to make decisions that could help you find much lower annual insurance costs.

Shown below are some of the items utilized by car insurance companies to help set your premiums.

• Single drivers take more risk – Having a significant other actually saves money on your insurance bill. It may mean you are more mature it has been statistically shown that being married results in fewer claims.
• Your age impacts your rates – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Beginning drivers are known to be less responsible behind the wheel so they pay higher insurance rates.
• Liability insurance limits are a factor – A critical coverage on your policy, liability insurance kicks in if you are found liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Alarms and GPS tracking lower prices – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can thwart car theft.

Which is the best insurance coverage?

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

• Do I need PIP (personal injury protection) coverage in my state?
• Does my car insurance cover rental cars?
• When should I drop full coverage on my 1999 Ford Five Hundred?
• Am I missing any policy discounts?
• Can my teen drive my company car?
• Will I lose any money if I cancel my policy before it expires?
• Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

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But the ad said I’d save 15% in 15 minutes!

Car insurance companies such as Allstate, Geico and Progressive endlessly run television and radio advertisements. They all say the same thing that drivers will save a bundle if you get a free auto insurance quote and switch your policy. How is it possible that every company can charge lower premium rates? It’s all in how they say it.

Car insurance companies have a certain “appetite” for a prospective insured that will be a good risk. An example of this type of driver might be described as over the age of 50, has never had a claim, and has a short commute. A customer who matches that profile receive the lowest rate quotes and will also save when they switch companies.

Consumers who don’t measure up to the requirements will be quoted a higher premium which translates to the customer not buying. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save that kind of money. This is how insurance companies can confidently lure you into getting a quote.

This really drives home the point why you need to compare rate quotes every year. It’s impossible to know which car insurance company will have the best premium rates at this point in time.

Specific coverages for a Ford Five Hundred

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as pain medications, ambulance fees, surgery, doctor visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.

Liability auto insurance

This provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

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 policy limits of 25/50/25 which means $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 that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird, falling objects and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, backing into a parked car, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

More effort can pay off

We just covered a lot of information how to lower your 1999 Ford Five Hundred insurance prices. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding affordable auto insurance. Drivers may discover the best price on car insurance is with a smaller regional carrier.

When searching for affordable auto insurance quotes, you should never reduce needed coverages to save money. In too many instances, consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Cheaper car insurance can be purchased online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer the ability to get quotes online and most of the time these regional carriers provide coverage only through independent agents.

Even more information can be found in these articles:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Crash Avoidance Technologies FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Distracted Driving Extends Beyond Texting (State Farm)

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