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Ford Five Hundred Insurance Rates

Drivers have lots of options when attempting to insure your Ford vehicle. You can buy from an agent or shop online to compare pricing from a lot of car insurance companies. Finding cheaper car insurance through online companies is easy, plus you can save money.

Consumers who are new to the process of buying insurance may think purchasing cut-rate Five Hundred insurance is difficult. There are several ways to compare quotes from different insurance companies. The fastest way to find the lowest Five Hundred insurance quotes is to perform an online rate comparison. This can be done by visiting this page.

Premiums are calculated by these factors

Car insurance premiums for your Ford Five Hundred can vary widely based upon several criteria. Including but not limited to:

  • The performance level of your Five Hundred
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Your age
  • Being married can lower rates
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • The level of coverage
  • Home ownership saves money

An additional factor which can affect Five Hundred insurance rates is the year of the vehicle. Models that are a few years old have a lower value than newer models so the payout to repair will push premiums down. Conversely, newer models may have safety features such as pedestrian detection, a collision avoidance system, and adaptive headlights which can provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your Five Hundred from the list below.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Auto collision coverage

This pays for damage to your Ford resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers 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 should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not available in all states but can be used in place of medical payments coverage.

How Much are Ford Five Hundred Insurance Rates?