2010 Ford Five Hundred Insurance Rates – 5 Tricks for Best Quotes

Are you a victim of an overpriced car insurance policy? Believe me when I say there are many people just like you.

Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the definite lowest rate possible.

How to Buy Insurance Online

When shopping for insurance there are multiple ways to compare quotes and find the best price. The best way to compare 2010 Ford Five Hundred insurance prices consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This easy form eliminates the need for repetitive form entry for each company you want a rate for. Just one form will return price quotes from multiple low-cost companies.
A less efficient way to analyze rates is spending the time to visit the website for every company you want to comare and fill out their own quote form. For examples sake, let’s assume you want to compare Allstate, Liberty Mutual and Geico. To find out each rate you need to visit each site and enter your policy data, which is why most consumers use the first method.
For a list of links to insurance companies in your area, click here.
The least efficient method to get comparison rates is driving to and from local insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you require the professional advice of a licensed agent. It is possible to price shop online but buy from a local insurance agent.

It’s your choice how you get your quotes, but compare exactly the same information on every quote you get. If each company quotes differing limits then you won’t be able to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. And when quoting insurance, remember that having more price comparisons helps locate the best offered rates.

It’s not one size fits all

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might help in determining if your insurance needs could use an agent’s help.

How much liability insurance is required?
Does my medical payments coverage pay my health insurance deductible?
Do I pay less for low miles?
Who is covered when they drive my 2010 Ford Five Hundred?
When can my company non-renew my policy?
Does medical payments coverage apply to all occupants?
How do I buy GAP insurance?
Should I have combined single limit or split liability limits?
Do I need higher collision deductibles?
What is an SR-22 filing?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

The coverage is in the details

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2010 Ford Five Hundred.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

This will cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, pain and suffering, legal defense fees, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision coverage covers damage to your Five Hundred resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills like chiropractic care, funeral costs, ambulance fees and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hitting a deer and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.