How to Compare Columbus Ford Five Hundred Insurance

The best way we recommend to get the cheapest car insurance rates in Columbus is to start comparing rates regularly from providers who sell auto insurance in Ohio.

One important bit of advice is to compare identical deductibles and limits on each quote request and and to get price quotes from every insurance company. This helps ensure an accurate price comparison and a thorough selection of prices.

Insurance for Ford Five HundredA recent insurance study revealed that most insurance buyers in Ohio have been with the same company for more than four years, and about 40% of consumers have never shopped around. Most drivers in America could save up to $859 every year by just comparing quotes, but they mistakenly think it’s difficult to compare rates and save money.

When price shopping your coverage, having more price comparisons helps locate the best offered rates.

The companies in the list below provide comparison quotes in Ohio. If multiple providers are shown, we suggest you visit several of them in order to get a fair rate comparison.

Lower-cost Columbus insurance rates with discounts

Insurance is not an enjoyable expense, but you may find discounts that could help you make your next renewal payment. Some trigger automatically at quote time, but lesser-known reductions have to be asked about before you will receive the discount. If you aren’t receiving every discount possible, you could be getting lower rates.Save money with discounts

Don’t be surprised that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount should definitely cut your insurance premiums.

Larger insurance companies and some of their more popular discounts can be found below.

When quoting, ask every prospective company to apply every possible discount. Discounts might not be available to policyholders in Columbus. If you would like to see a list of insurance companies that have a full spectrum of discounts in Columbus, click this link.

Insurance agencies can find coverage gaps

A lot of people prefer to have an agent’s advice and doing so can bring peace of mind A good thing about comparing rates online is that drivers can save money and get cheap car insurance quotes and still choose a local agent.

Find insurance agent in ColumbusFor easy comparison, once you complete this form (opens in new window), your insurance data gets sent to participating agents in Columbus that provide free Columbus auto insurance quotes to get your business. You never need to find an agent since rate quotes are delivered to you instantly. You can find lower rates without a big time investment. If you have a need to get a comparison quote from one company in particular, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Finding a good provider shouldn’t rely on just the price. Here are some questions you should ask.

Once you have received reasonable responses as well as a price you’re happy with, you may have just found an provider that can be relied on to adequately provide car insurance. But keep in mind you can cancel a policy for any reason so never feel that you are obligated to any specific company indefinitely.

Which is the best car insurance?

When choosing your policy for your vehicles, there really is not a perfect coverage plan. Every situation is different and your car insurance should be unique as well.Higher deductibles save money
These are some specific questions can help discover whether your personal situation will benefit from professional help.

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

It may be expensive, but it’s not optional

Despite the fact that auto insurance is not cheap in Columbus, buying auto insurance is required in Ohio but also provides important benefits.

The benefits of buying enough insurance more than cancel out the cost, especially if you ever need it. On average, a vehicle owner in Columbus is overpaying over $865 each year so you should quote and compare rates each time the policy renews to ensure rates are competitive.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, hitting a deer, hitting a bird and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Ford Five Hundred.

Since a lot of drivers have only the minimum liability required by law (25/50/25 in Ohio), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage pay for bills such as dental work, doctor visits, funeral costs, chiropractic care and nursing services. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, rolling your car, sustaining damage from a pot hole, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible on your Five Hundred to get cheaper collision coverage.

Liability insurance

This protects you from injuries or damage you cause to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as funeral expenses, structural damage and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more liability than the minimum.

The chart below demonstrates why low liability limits may not provide you with enough coverage.

One last note

We just covered a lot of ways to get a better price on Ford Five Hundred insurance in Columbus. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the biggest savings come from a small mutual company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.

When shopping online for insurance, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

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