View 2013 Ford Five Hundred Insurance Cost

Searching for the most affordable insurance online may be somewhat difficult for consumers new to price shopping online. Since there are so many insurance companies available, how can consumers possibly compare every one to find the best pricing?

You need to take a look at other company’s rates every six months since insurance rates change quite often. Just because you found the best rates on Five Hundred coverage two years ago you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate the proper way to find great coverage at a great price.

Where Can I Get Cheap Insurance Coverage?

There are a lot of ways to compare insurance coverage quotes, but one way is less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you could save time and use online quoting to get pricing more quickly.

Most of the larger companies belong to an insurance system that enables customers to send in one quote, and every company can give them a price. This eliminates the need for quotation requests for each company.

To find out what other companies charge for 2013 Ford Five Hundred insurance click here to open in new window.

The one downside to using this type of system is that consumers can’t choose which insurance companies to get quotes from. If you prefer to choose from a list of companies to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare identical coverages for each price quote. If your comparisons have different liability limits it’s impossible to make a fair comparison for your Ford Five Hundred. Having just a slight variation in limits may cause a big price difference. Just remember that having more price comparisons helps locate the best offered rates.

When might I need help?

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

For instance, these questions could help you determine if your situation may require specific advice.

• Is there coverage for injuries to my pets?
• Can I still get insurance after a DUI?
• Should I rate my 2013 Ford Five Hundred as pleasure use or commute?
• What is roadside assistance coverage?
• Does my insurance cover a custom paint job?
• If I drive on a suspended license am I covered?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance 101

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford Five Hundred.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage provides protection from damage that occurs to people or other property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses for hospital visits, nursing services, funeral costs, EMT expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible