Would you like to find the cheapest Ford Five Hundred insurance in Milwaukee? Searching for better insurance prices for a new or used Ford Five Hundred in Wisconsin can turn out to be difficult, but you can learn the following methods to save time.
There are more efficient ways to find auto insurance online so we’re going to tell you the best way to get price quotes on a Ford and locate the lowest price from both online companies and Milwaukee agents.
Insurance rates and discounts
Companies don’t always publicize the complete list of policy discounts very clearly, so here is a list some of the more common as well as the least known discounts that you can inquire about if you buy Milwaukee auto insurance online.
- Distant Student Discount – Kids who are attending college and leave their car at home may be able to be covered for less.
- Milwaukee Homeowners Pay Less – Owning your own home or condo can save you money because of the fact that having a home requires personal responsibility.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote Milwaukee auto insurance with select insurance companies.
- Early Signing – Some companies reward drivers for signing up before your current coverage expires. It could save around 10% when you buy Milwaukee auto insurance online.
- Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted price on car insurance if you buy some life insurance too.
- No Claims – Claim-free drivers have much lower rates when compared to frequent claim filers.
- Military Deployment Discount – Having an actively deployed family member may lower your prices slightly.
Remember that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
To locate insurance companies who offer insurance discounts in Wisconsin, click here to view.
The companies shown below offer quotes in Wisconsin. If multiple companies are shown, we recommend you compare several of them in order to find the most competitive rates.
Which policy gives me the best coverage?
When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that
For example, these questions can help discover if you would benefit from an agent’s advice.
- What is roadside assistance coverage?
- Will my insurance pay for OEM parts?
- Can good grades get a discount?
- Do I get a pro-rated refund if I cancel my policy early?
- Am I covered if I hit my neighbor’s mailbox?
- How high should my medical payments coverage be?
- Is my teen driver covered when they drive my company car?
- Am I covered when driving someone else’s vehicle?
- When should I remove my kid from my policy?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Insurance agents can help
A lot of people would rather visit with an insurance agent and that is OK! Most agents can point out coverage gaps and give you someone to call. One of the benefits of price shopping on the web is you may find cheap insurance quotes but also keep your business local. Buying from and supporting local agents is especially important in Milwaukee.
Upon completion of this quick form, your coverage information is instantly submitted to agents in your area who want to provide quotes for your business. You won’t even need to do any legwork since rate quotes are delivered straight to your inbox. If you have a need to compare rates from a specific insurance provider, just find their quoting web page and fill out the quote form the provide.
Choose the right car insurance agent
If you need to find a local agent, it’s important to understand the different agency structures and how they can quote your rates. Insurance agencies are either independent agents or exclusive agents depending on their employer. Either can sell insurance policies, but it is a good idea to know the subtle differences because it may have an impact on buying decisions.
Independent Agents
Independent agencies can quote rates with many companies so as a result can place your coverage amongst many companies and find the cheapest rate. If prices rise, your agent can switch companies without you having to go to a different agency. When shopping rates, you will definitely want to compare quotes from a few independent agents to ensure the widest selection of prices. They often place coverage with mutual insurance companies that may have much lower rates than larger companies.
Below is a short list of independent insurance agencies in Milwaukee that may be able to give you free insurance rate quotes.
- Friedle Insurance Agency Inc
7700 W Bluemound Rd #110 – Wauwatosa, WI 53213 – (414) 475-0110 – View Map - Unisource Insurance Associates, LLC
10425 W North Ave #226 – Milwaukee, WI 53226 – (414) 774-7040 – View Map - Tilley Insurance
12344 W Layton Ave – Milwaukee, WI 53228 – (414) 235-3561 – View Map
Exclusive Agencies
Exclusive insurance agents can only place business with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so keep that in mind. Exclusive insurance agents receive a lot of sales training on the products they sell which can be an advantage. Drivers often use the same agent mostly because of the brand and solid financial strength.
Shown below are Milwaukee exclusive agents that are able to give comparison quotes.
- Allstate Insurance: Cyndy Johnson
3801 W Fond Du Lac Ave – Milwaukee, WI 53216 – (414) 445-2558 – View Map - American Family Insurance – Dennis James
6111 W Bluemound Rd – Milwaukee, WI 53213 – (414) 259-0040 – View Map - American Family Insurance – Derold Barker
2215 E North Ave #1 – Milwaukee, WI 53202 – (414) 332-8350 – View Map
Picking the best insurance agent needs to be determined by more than just the quoted price. Get answers to these questions too.
- Do you work with a CSR or direct with the agent?
- Do they have cheaper tiers of coverage?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How are they compensated?
Auto insurance policy coverages for a Ford Five Hundred
Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.
Collision insurance
Collision coverage pays for damage to your Five Hundred from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like colliding with a tree, crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible on your Five Hundred in order to get cheaper collision rates.
Uninsured/Underinsured Motorist coverage
This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Five Hundred.
Due to the fact that many Wisconsin drivers only purchase the least amount of liability that is required (which is 25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as X-ray expenses, rehabilitation expenses, prosthetic devices and pain medications. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Comprehensive coverage
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, theft, vandalism, damage from a tornado or hurricane and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability
Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/10 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for things like medical expenses, loss of income, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Wisconsin requires drivers to carry at least 25/50/10 but you should consider buying better liability coverage.
The lowest rates come from being thorough
Cheap Ford Five Hundred insurance in Milwaukee is definitely available on the web and also from your neighborhood Milwaukee agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and these small insurance companies provide coverage only through independent insurance agencies.
You just learned a lot of ways to save on Ford Five Hundred insurance in Milwaukee. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may even discover the lowest car insurance rates are with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.
As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the best price and still be able to protect your assets.
Additional insurance information is available at these links:
- Red Light Cameras (State Farm)
- How Much are Car Insurance Quotes for Unemployed Drivers in Milwaukee? (FAQ)
- How Much are Car Insurance Quotes for a Toyota Camry in Milwaukee? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)