Compare 1999 Ford Five Hundred Insurance Rates

Are you overwhelmed by the number of insurance coverage choices? You’re not alone. Consumers have so many companies to choose from that it can turn into a challenge to locate the lowest price.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. The purpose of this article is to tell you the most effective way to quote insurance and some tricks to saving. Although consumers need to have an understanding of the methods companies use to price online insurance.

Free Insurance Coverage Quotes

The are a couple different ways of comparing rate quotes from different insurance companies. By far the easiest way to find the cheapest 1999 Ford Five Hundred insurance rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating a different quote for each company. A single form gets rate comparisons from multiple low-cost companies. It’s the fastest way to compare.
  2. A slightly less efficient method to obtain and compare quotes online requires a visit to the website for every company you want to comare and request a quote. For examples sake, let’s say you want rates from Farmers, Esurance and Liberty Mutual. To find out each rate you need to spend time on each company’s 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.

Whichever way you use, ensure you are comparing apples-to-apples coverages on every quote you get. If you enter different deductibles you can’t possibly truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. Just remember that more quotes will improve the odds of getting the best offered rates.

Discounts mean cheaper 1999 Ford Five Hundred insurance rates

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but a few must be asked for prior to receiving the credit.

  • Paperwork-free – Certain companies will give a small break just for signing your application digitally online.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Senior Citizens – Older drivers may receive better insurance rates for Five Hundred insurance.
  • Bundle and Save – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount if you qualify.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will reduce the cost of coverage.

Insurance companies that possibly offer these benefits include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not apply in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • Do I need rental car coverage?
  • How much liability coverage do I need in my state?
  • Do I benefit by insuring my home with the same company?
  • Is my Ford Five Hundred covered if I use it for business?
  • Can I get a multi-policy discount?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Learn about insurance coverages for a 1999 Ford Five Hundred

Learning about specific coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability – This coverage protects you from damage that occurs to a person or their property. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Five Hundred.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, falling objects, rock chips in glass and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as pain medications, EMT expenses, rehabilitation expenses, nursing services and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage – This will pay to fix damage to your Five Hundred resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, hitting a mailbox, sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.