Cheapest 2006 Ford Five Hundred Insurance Rates in 2023
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UPDATED: May 12, 2022
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Trying to find better auto insurance rates for your Ford Five Hundred? Scraping up a payment for overpriced Ford Five Hundred insurance can empty your personal savings and make it hard to pay other bills. Comparing price quotes is a great way to cut your insurance bill. Popular companies such as State Farm, Progressive and GEICO continually hit you with ad campaigns and it is difficult to see past the corporate glitz and take the time to shop coverage around.
If you are insured now or are just looking to switch companies, you can use these techniques to find better prices and still get good coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to know the best way to shop their coverage around over the internet.
Where Can I Get Cheap Insurance?
Shopping for lower insurance rates can be a lot of work if you don’t utilize the fastest way to get free quotes. You can spend countless hours talking to agents in your area, or you could save time and use the web for quick rates.
Most of the best insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and every company can give them a price based on the submitted data. This system prevents you from having to do quote requests for each company you want a rate for.
To compare 2006 Ford Five Hundred rates now click to open in new window.
The only drawback to doing it this way is that consumers can’t choose which carriers you want to price. So if you prefer to pick individual companies to compare, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.
However you get your quotes, be sure to compare identical deductibles and coverage limits for each comparison quote. If you compare differing limits then you won’t be able to determine which rate is truly the best.
Insurance agents can help
When buying adequate coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.
- Should I rate my 2006 Ford Five Hundred as pleasure use or commute?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I covered when driving in Canada or Mexico?
- What exactly is covered by my policy?
- Can I still get insurance after a DUI?
- When should I remove comp and collision on my 2006 Ford Five Hundred?
- Are rental cars covered under my policy?
- What are the best liability limits?
- Are there companies who specialize in insuring high-risk drivers?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
Specifics of your auto insurance policy
Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.
Protection from uninsured/underinsured drivers – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Five Hundred.
Due to the fact that 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 should not be overlooked.
Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for pain medications, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from getting keyed, theft, a broken windshield and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for liability – Liability insurance provides protection from damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability can pay for things like attorney fees, court costs, loss of income, medical services and funeral expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.
Collision coverage – This covers damage to your Five Hundred resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like colliding with a tree, damaging your car on a curb, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
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