2011 Ford Five Hundred Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 28, 2024

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Looking for the cheapest insurance coverage rates for your Ford Five Hundred? Finding the cheapest insurance for a new or used Ford Five Hundred can normally be difficult, but you can use the following methods and make it easy. There is a better way to shop for insurance coverage and we’ll show you the best way to price shop coverage on a Ford and locate the cheapest rates from local insurance agents and online providers.

Finding affordable coverage is quite easy. If you have a current insurance policy or are shopping for new coverage, you will benefit by learning to cut your premiums while maintaining coverages. Consumers just need to learn the most effective way to get comparison rates online.

Are you earning every discount?

Companies offering auto insurance don’t always publicize the complete list of policy discounts very well, so we took the time to find a few of the more well known and also the lesser-known discounts you could be receiving when you buy car insurance online.

  • Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote car insurance for Five Hundred insurance with a few auto insurance companies.
  • Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
  • Payment Method – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
  • E-sign – Certain insurance companies may give you up to $50 shop car insurance on the internet.

Policy discounts save money, but some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will positively reduce the cost of your policy.

For a list of insurers who offer cheap auto insurance quotes, enter your zip code here.

How to lower your insurance rates

Lots of things are part of the equation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, although others are not as apparent such as whether you are married or your financial responsibility. Part of the insurance buying process is learning a few of the rating criteria that play a part in calculating insurance rates. If you understand what determines premiums, this enables you to make decisions that will entitle you to lower rates.

  • Being married pays dividends – Getting married actually saves money on your insurance bill. Having a significant other is viewed as being more stable financially and it’s statistically proven that married drivers get in fewer accidents.
  • Cheaper prices with safer cars – Cars with five star safety ratings are cheaper to insure. Vehicles built for safety result in less severe injuries and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders.
  • Inexpensive frequent insurance claims are not good – Companies provide lower rates to policyholders that do not abuse their auto insurance. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Higher rates for high stress employers – Do you have a high-stress occupation? Occupations like military generals, air traffic controllers and miners tend to pay higher rates than average due to intense work requirements and lots of time spent at work. On the other hand, occupations like scientists, athletes and the unemployed pay the least for Five Hundred insurance.
  • Avoid insurance lapses – Allowing your coverage to lapse is a sure-fire way to increase your rates. In addition to paying higher rates, getting caught without coverage could result in a hefty fine and possibly a revoked license. You may then have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Youthful drivers cost more – Youthful drivers are proven to be inattentive when driving with friends therefore insurance rates are much higher. Older drivers are shown to be more cautious, cost insurance companies less in claims and tend to be get fewer driving tickets.

When in doubt talk to an agent

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Do I need roadside assistance coverage?
  • Am I covered if hit by an uninsured driver?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is upholstery damage covered by car insurance?
  • How can I get my company to pay me more for my totalled car?
  • When can I cancel my policy?
  • Where can I find DUI or SR-22 insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage buyers beware

Consumers can’t ignore all the ads that claim the lowest car insurance rates by companies like State Farm and Allstate. All the companies advertise claims about savings if you move to their company.

How does every company make the same claim? Here is how they do it.

Insurance coverage companies have specific criteria for the type of driver that will add to their bottom line. An example of this type of driver could possibly be over the age of 40, carries high limits, and drives a vehicle with a low ISO rating. A customer getting a price quote who matches those parameters will get a cheap rate quote as well as save when they switch companies.

People who don’t qualify for these standards will have to pay higher premium rates and this can result in the customer buying from a different company. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully claim big savings. This really emphasizes why it is so important to get as many free car insurance quotes as possible. It is impossible to predict which insurance coverage company will provide you with the cheapest prices.

Insurance coverage specifics

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills for things like dental work, prosthetic devices and pain medications. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Five Hundred.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

This coverage covers damage to your Five Hundred resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Liability car insurance

This coverage protects you from damage that occurs to other people or property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things like repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

More choices the merrier

Drivers change insurance companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, unfair underwriting practices or denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Budget-conscious 2011 Ford Five Hundred insurance can be sourced online in addition to local insurance agencies, so you need to shop car insurance with both to get a complete price analysis. Some insurance coverage companies don’t offer online rate quotes and most of the time these smaller companies only sell through independent agents.

We just covered quite a bit of information on how to shop for 2011 Ford Five Hundred insurance online. The most important thing to understand is the more you quote car insurance, the higher your chance of finding cheaper car insurance. Consumers could even find that the most savings is with an unexpected company.

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