Compare 2006 Ford Five Hundred Car Insurance Quotes

Trying to find lower insurance coverage rates for your Ford Five Hundred? Are you a victim of high-priced insurance coverage? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.

Insurance companies such as Geico and Progressive constantly bombard you with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Finding the best rates is not that difficult. Nevertheless, drivers must know the methods companies use to compete online because it can help you find the best coverage.

Do you qualify for discounts?

Companies do not list all available discounts very well, so here is a list some of the more common and also the lesser-known ways to save on auto insurance.

  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates for Five Hundred coverage.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Accident Free – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurance companies offering auto insurance discounts, click here.

Free Auto Insurance Quotes

Shopping for lower auto insurance rates can be challenging if you don’t know the most efficient way. You could waste time discussing policy coverages with agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quotation requests for every auto insurance company.

To find out how much you’re overpaying now click here to start a free quote.

The single downside to using this type of form is you cannot specify which carriers to get pricing from. So if you want to choose specific providers for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use apples-to-apples coverage limits on every quote. If each company quotes different liability limits it’s impossible to truly determine the lowest rate. Quoting even small variations in coverages can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes helps you find better pricing.

Don’t assume everyone needs the same coverage

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For example, these questions may help you determine if you might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • When do I need to add a new car to my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need added coverage for expensive stereo equipment?
  • What should my uninsured motorist coverage limits be in my state?
  • What is covered by UM/UIM coverage?
  • When should my teen driver be added to my policy?
  • What is roadside assistance coverage?
  • Is my cargo covered for damage or theft?
  • Do I benefit by insuring my home with the same company?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Information about specific coverages

Having a good grasp of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Liability coverage

This can cover injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, loss of income, bail bonds, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, surgery, chiropractic care and ambulance fees. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with a tree and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance covers 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 coverage protects against things like damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle, damage from getting keyed and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2006 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Affordable insurance is out there

Lower-priced 2006 Ford Five Hundred insurance can be found both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed full coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.

More information can be found at the links below