Cheap 2013 Ford Five Hundred Car Insurance Quotes 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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Searching for the cheapest insurance rates for your Ford Five Hundred? Price shopping your insurance may be quite difficult for beginners to online rate comparisons. With more and more online companies, it can quickly become a difficult challenge to compare prices.

How to compare auto insurance rate quotes

Shopping for lower auto insurance rates can be exhausting if you don’t understand the fastest way to get free quotes. You can waste hours talking to agents in your area, or you could save time and use online quoting for quick rates.

Most car insurance companies participate in an industry program where prospective buyers only type in their quote data once, and each participating company can provide price quotes based on the submitted data. This system prevents you from having to do quote requests for every auto insurance company.

To participate in this free quote system, enter your zip code here.

The only drawback to pricing coverage this way is you cannot specify which insurance companies you want pricing from. So if you want to choose specific providers to compare, we have a page of auto insurance companies in your area. Click to enter zip code for insurance companies.

However you get your quotes, double check that you are using identical coverage limits and deductibles for each comparison quote. If your comparisons have unequal deductibles or liability limits it will be impossible to determine the best price for your Ford Five Hundred. Slightly different insurance coverages can result in a big premium difference. Keep in mind that comparing more company’s prices will increase your chances of finding the best rates.

These discounts can cut car insurance rates

Car insurance can cost a lot, but you may be missing some discounts to help bring down the price. Some of these discounts will be visible at the time of quoting, but a few must be specifically requested before they will apply.

  • Responsible Driver Discount – Drivers who avoid accidents may receive a discount up to 45% on Five Hundred coverage than drivers with accidents.
  • Telematics Devices – Drivers who elect to allow their insurance company to scrutinize driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.
  • Distant College Student Discount – Kids who live away from home at college without a vehicle on campus can be insured at a reduced rate.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get better car insurance rates on Five Hundred coverage.
  • Discount for Switching Early – A few insurance companies give discounts for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Accident Waiver – This one isn’t a discount, but some companies like GEICO, Progressive, and Allstate may permit one accident before they charge you more for coverage so long as you are claim-free for a specific time period.
  • Discounts for New Vehicles – Insuring a new car can be considerably cheaper due to better safety requirements for new vehicles.

A little disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, car insurance companies aren’t that generous.

Some companies that may offer many of the previously listed discounts may include but are not limited to:

  • The Hartford
  • American Family
  • Progressive
  • Travelers
  • Farmers Insurance
  • USAA
  • Liberty Mutual

Check with each company or agent how you can save money. All car insurance discounts may not apply to policies in every state. To view insurers who offer online car insurance quotes, enter your zip code here.

When do I need an agent’s advice?

When buying adequate coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • Which is better, split liability limits or combined limits?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if my car is in a flood?
  • Will my insurance pay for OEM parts?
  • Do I benefit by insuring my home with the same company?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance 101

Knowing the specifics of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, pain medications, dental work and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from 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 protects against claims like a tree branch falling on your vehicle, damage from flooding and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage pays for damage to your Five Hundred caused by 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 pays for claims like crashing into a building, scraping a guard rail, sideswiping another vehicle, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

Liability coverage protects you from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, legal defense fees, structural damage and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Save your hard earned cash

While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many instances, an insured dropped full coverage only to find out that it was a big error on their part. Your focus should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

People leave their current company for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, questionable increases in premium or even not issuing a premium refund. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Cheaper 2013 Ford Five Hundred insurance can be purchased from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide online rate quotes and these regional carriers only sell through local independent agents.

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