2013 Ford Five Hundred Insurance Rates – 8 Tips for Cheaper Quotes

Searching for lower car insurance rates for your Ford Five Hundred? Are you overwhelmed by the wide range of car insurance company choices? You’re not the only one! People have so many options that it can turn into a lot of work to find the lowest price.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Although drivers do need to know the way companies compete online and use this information to your advantage.

The best way to compare insurance rates from multiple companies is to know the trick most of the larger companies provide online access to quote your coverage. The only thing you need to do is provide details like distance driven, coverage limits, whether you are married, and your job. That rating information is then sent to many different companies and they respond with quotes instantly.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • Does car insurance cover theft of personal property?
  • What exactly is covered by my policy?
  • Am I insured when driving a different vehicle?
  • Does coverage extend to Mexico or Canada?
  • Why am I required to buy high-risk coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I required to get a high-risk car insurance policy?
  • Which companies will insure high-risk drivers?
  • Can I rent a car in Mexico?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Specifics of your insurance policy

Knowing the specifics of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for things like hospital visits, dental work, funeral costs and pain medications. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability insurance will cover injuries or damage you cause to people or other property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as bail bonds, structural damage, funeral expenses, loss of income and court costs. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage will pay to fix damage to your Five Hundred resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.