2012 Ford Five Hundred Insurance Cost in 2024

Searching for better insurance coverage rates for your Ford Five Hundred? Finding budget insurance coverage is difficult for vehicle owners who are new to buying insurance over the internet. With so many companies, how are vehicle owners able to possibly compare all the different companies and get the lowest price?

Smart consumers take time to check insurance coverage prices at least once a year since insurance prices are variable and change quite frequently. Just because you had the best rate for Five Hundred coverage a couple years back you will most likely find a better premium rate today. Ignore everything you know about insurance coverage because you’re going to get a crash course in how to quote online to lower your annual insurance bill.

How to get car insurance quotes

Shopping for lower car insurance rates can be a daunting task if you don’t understand the most efficient way. You can waste hours discussing policy coverages with agents in your area, or you could use online quotes to quickly compare rates.

The majority of car insurance companies enroll in a system that enables customers to enter their coverage request one time, and each participating company then gives them pricing determined by their information. This system prevents you from having to do quote forms for every car insurance company. To submit your quote information now, enter your zip code here.

One minor caveat to doing it this way is you cannot specify the providers to get quotes from. So if you want to choose specific providers to request quotes from, we put together a list of car insurance companies in your area. Click to enter zip code.

It’s up to you which method you use, but do your best to enter the exact same information on every quote you get. If you are comparing higher or lower deductibles it’s not possible to make an equal comparison. Slightly different insurance coverages could skew the results. And when quoting car insurance, remember that more quotes increases your odds of finding more affordable insurance. Not every company does quotes online, so you should also compare prices from them, too.

Tailor your insurance coverage coverage to you

When buying coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

• I have good health insurance, so how much medical payments coverage do I need?
• If my pet gets injured in an accident are they covered?
• How do I buy GAP insurance?
• Exactly who is provided coverage by my policy?
• What is high-risk coverage and where do I buy it?
• Is my babysitter covered when using my vehicle?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out your zip code.

Insurance coverage breakdown

Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance will cover damage that occurs to other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as medical expenses, pain and suffering and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, damage from getting keyed and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This coverage covers damage to your Five Hundred resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, hitting a mailbox, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Ford Five Hundred.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like rehabilitation expenses, prosthetic devices and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage