2010 Ford Five Hundred Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Ford Five Hundred? Searching for the cheapest insurance for your Ford Five Hundred can turn out to be difficult, but you can use the following methods to save time.

There is a better way to compare insurance coverage rates so we’re going to tell you the best way to price shop coverage on a Ford and find the lowest price from local insurance agents and online providers.

Discounts can save BIG

Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. Some trigger automatically when you complete an application, but a few need to be specially asked for before being credited. If you’re not getting every credit available, you’re paying more than you need to.

  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for Five Hundred coverage than drivers with accident claims.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.
  • Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more if you qualify.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of up to 25% or more.

Drivers should understand that some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.

For a list of providers offering insurance discounts, click this link.

Ford Five Hundred insurance rates are influenced by…

Consumers need to have an understanding of the factors that go into determining the price you pay for insurance coverage. Knowing what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford Five Hundred earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • How credit affects insurance coverage rates – Having a bad credit score is a big factor in determining your rates. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit ratings. So if your credit is low, you could potentially save money when insuring your 2010 Ford Five Hundred by repairing your credit.
  • Liability coverage protects you – Liability insurance provides coverage when you are found liable for damages from an accident. Liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Higher deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay if you file a covered claim. The more expense you’re willing to pay, the bigger discount you will receive for Five Hundred coverage.
  • Pleasure use or commuting – The higher the mileage driven each year the higher your rates will be. Most insurance companies apply a rate based upon how you use the vehicle. Autos that are left in the garage can get a lower rate than those used for commuting. An improperly rated Five Hundred can result in significantly higher rates. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because it can save money.
  • Don’t get talked into coverage you don’t need – There are a lot of extra bells and whistles that you can buy on your insurance coverage policy. Coverages for personal injury protection, towing coverage and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire will be a sure-fire way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.

Will just any policy work for me?

When it comes to buying coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Am I covered if my car is in a flood?
  • When should I not file a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I have a DUI can I still get coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I get collision insurance on every vehicle?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Learn about auto insurance coverages for a Ford Five Hundred

Knowing the specifics of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Auto liability

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits 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 property damage coverage for $25,000. Alternatively, you may have 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 like repair costs for stationary objects, repair bills for other people’s vehicles, loss of income, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like nursing services, dental work, prosthetic devices and EMT expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Five Hundred.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Collision insurance

This will pay to fix damage to your Five Hundred 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 insurance covers things like crashing into a building, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, theft, a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Quote more. Save more.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. In many cases, an accident victim reduced liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Discount 2010 Ford Five Hundred insurance can be found on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

People switch companies for many reasons like delays in paying claims, extreme rates for teen drivers, high rates after DUI convictions or even an unsatisfactory settlement offer. Regardless of your reason, finding a great new company is not as difficult as it may seem.

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