Car Insurance Quotes for Ford Five Hundred
Are You Getting the Cheapest Car Insurance Available for a Ford Five Hundred?
How Much Is Car Insurance for a Ford Five Hundred?
The Ford Five Hundred, a versatile full-size sedan manufactured by Ford Motor Company from 2004 to 2007, boasts a spacious interior and a reliable V6 engine.
When it comes to safeguarding your vehicle, having the right car insurance is essential. For the Ford Five Hundred, the average monthly cost for liability insurance stands at $48, while full coverage insurance hovers around $100.
Freeway Insurance stands ready to assist you in discovering affordable insurance solutions and valuable discounts, no matter your driving history or situation. Take the first step towards secure coverage. Dive into your options with Freeway today!
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Comparing Insurance Costs for Ford Five Hundred to Other Sedans
One of the major qualities of the Ford Five Hundred is its affordable price, which typically hovers around $23,000, and its durability on the road. However, being a vehicle that has been out of production for several years, its replacement parts can be difficult to obtain. All of this impacts how much your car insurance costs and how the average premiums compare to similar vehicles, as you can see in the following table.
| Make/Model | Annual Full Coverage Insurance |
|---|---|
| Ford Five Hundred | $1,250 |
| Volkswagen Jetta | $1,610 |
| Honda Accord | $1,713 |
| Ford Freestyle | $1,320 |
| Ford Taurus | $1,628 |
| Chrysler 300 Touring | $1,720 |
| Toyota Avalon Touring | $1,732 |
Types of Car Insurance Coverage for a Large Sedan
If you own a Ford Five Hundred, you’ll have several auto insurance options to consider, including state minimum liability and full coverage. Additional car coverages like uninsured motorist coverage and the best roadside assistance with the Freeway Auto Club are also available. Now, let’s dive into the specifics of these two main coverage options.
Full Coverage
If you opt for full car insurance, which provides liability, collision, and comprehensive protection, you’ll be taking a solid step towards increasing your safety on the road.
Let’s paint a picture. Imagine this…one stormy night, a mighty oak tree slams down onto your treasured vehicle while it’s from your home, causing some serious damage. Good news – with your complete coverage, you can relax knowing the repair costs for the damages caused by the tree incident are fully covered.
To be clear, this type of policy generally doesn’t include extra coverages like personal injury protection (PIP).
State Minimum Liability
In order to drive legally, it is essential to have at least the minimum liability auto coverage mandated by your state. This policy provides protection for basic damages and injuries caused to others in the event of an accident. However, it does not offer coverage for incidents such as adverse weather conditions, hail, theft, or vandalism.
For instance, in Texas, the basic liability coverage includes $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. Despite these requirements, this basic coverage may not be adequate in all circumstances.
If you are involved in a serious accident with your Ford that results in multiple injuries, the costs could exceed the minimum coverage limits. This would leave you responsible for any additional expenses beyond what your insurance policy covers. It is important to be aware of these limitations and consider adjusting your coverage to ensure financial protection in unforeseen situations.
Individual Factors That Influence Pricing for a Sedan
When it comes to determining the cost of insuring your sedan, there are various factors to consider. These key elements can influence the amount you’ll pay for coverage:
- Vehicle usage: How you use your sedan, such as for commuting, business, or personal leisure, can influence your insurance costs. Commuting regularly may result in higher premiums compared to occasional personal use.
- Safety features and anti-theft devices: The presence of safety features like airbags, anti-lock brakes, and anti-theft devices in your sedan can help reduce premiums by lowering the risk of accidents or theft.
- Age and marital status: Your age and marital status can also be factors affecting your coverage costs. In general, older, married individuals tend to pay lower premiums due to statistically lower risk levels.
- Your location: Insurance companies take into account your state, city, and ZIP code, including factors such as accident rates, traffic patterns, and vehicle theft statistics.
How Does a DUI Affect Insurance Rates?
Getting a DUI in the US can have a major impact on your life and your car insurance rates. If caught, you could face license suspension, fines, community service, and even jail time.
Additionally, having a DUI on your record often leads to a significant increase in your premiums, as insurers view DUI drivers as high-risk.
Finding affordable coverage after a DUI can be challenging, and you may also be required to get an SR-22 certificate to prove you have the basic insurance.
What Are Some Car Insurance Discounts for a Ford?
If you’re eager to slash your car insurance costs, diving into discount programs is a clever move to make. Two standout options to explore are the safe driver and building policies, where your excellent driving habits are recognized, and you can bundle various policies (such as auto and homeowners insurance) with one provider to pocket extra savings.
No matter your driving history, there are other auto insurance discounts out there, like:
- Occupation Discounts: Some professions are deemed lower risk by insurers, which could lead to a nifty discount based on your job.
- Usage-Based Discounts: By allowing carriers to track your driving habits through devices like Bluetooth beacons or telematics, you could unlock savings.
- Defensive Driving Course Discount: Completing a recognized defensive driving course can earn you a discount while boosting your know-how on safe following distances and up-to-date road rules. Not all insurers offer this perk, so it’s worth chatting with your provider.
When it’s time to renew your insurance, contact your provider to inquire about any new discounts you might qualify for. Sometimes, there are hidden discounts waiting for you that you’ll only uncover if you ask.
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What Are Some of the Characteristics of the Ford Five Hundred?
The Ford Five Hundred was a full-size sedan that aimed to offer a spacious and comfortable driving experience.
Featuring a 3.0L Duratec V6 engine with 203 horsepower, the Five Hundred provided options for front-wheel drive or all-wheel drive. It prioritized interior roominess with a high-roof design, aiming to blend the spaciousness of a large car with the external proportions and maneuverability of a mid-size model.
This model also offered a unique seating position for improved visibility and generous rear legroom, setting the stage for the evolution of the subsequent Ford Taurus.
Find the Best Car Insurance Rates Online for Ford Five Hundred Today
Get in touch with our bilingual team at Freeway Insurance today to begin saving while safeguarding your beloved Ford Five Hundred.
Explore the best-priced auto insurance solutions tailored to your needs and prioritize the safety of yourself and your family. Contact us at 800-777-5620, start a quick quote online, or stop by one of our convenient insurance locations in your area.