Insuring Your Ford

United Insurance Agents Can Help Get the Policy Right for You


Headquartered in Dearborn, Michigan, Ford is one of the oldest and largest automobile manufacturers in the world today. Founded in 1903 by Henry Ford and a handful of associate investors, the then newly growing auto maker. In 1919, the company reincorporated with Ford and his family - wife, Clara and son, Edsel. In 1936 they formed the Ford Foundation, and were the sole stockholders until 1956, when public sale of the common stock was first offered.

A Little Bit of Ford History

The Ford company was one of the few automobile companies to survive the Great Depression. They continue to manufacture cars, trucks, SUVs and other high demand vehicles. They also manufacture tractors, automotive parts and related accessories. To this day, the Ford family remains an integral part of Detroit’s history, and produces top brands such as Lincoln, Mercury, and Volvo. They have retained partial ownership of Aston Martin in the UK and Mazda in Japan. In 2008, Ford sold off two of its more upscale brands, Jaguar and Land Rover, to Tata Motors of India.

Ford has earned its place as a leader and innovator in the automotive industry by being at the cutting edge of many then unheard of ideas and business practices. It was the first company to use the assembly line in manufacturing and introduced mass production to the world. It was also the first to use mass management to oversee its workers. This new method of factory production was so popular that the term “Fordism” was used to describe having a strong work ethic and effective management style.

Ford is the second-largest U.S.-based automaker, behind General Motors and the fifth-largest in the world, behind Toyota, VW, Hyundai-Kia and General Motors, based on 2015 vehicle production. At the end of 2010, Ford was the fifth largest automaker in Europe. Ford was the eleventh-ranked overall American-based company in the 2018 Fortune 500 list, based on global revenues in 2017 of $156.7 billion.

Current production includes the Fiesta, the Focus, the Fusion, the Mustang, and the Taurus. Popular Crossovers and SUVs now available are the Escape, the Edge, the Explorer, the Flex, and the Expedition. Ford makes a number of trucks which are popular also, including the Ranger and the F-150. Ford also has a strong commitment to offering consumers the very latest in green technology and innovation and has several hybrid and electric vehicle (EV) models either on the market or soon to be introduced. The hybrids include the Fusion and Escape models and the EV model now available is the Transit Connect EV. Ford has three hybrid models which are scheduled to be introduced with the next year. They are the Focus Electric, the 2013 C-Max Hybrid, and the 2013 C-Max Energi.

Insurance Costs

While the make and model of any vehicle plays a role in insurance costs, other factors include age, residence, and personal driving record. If you have a clean driving record and you want to insure, let’s say, a midsized family car, the chances are good you will pay less for insurance than someone who is trying to insure a red Mustang and has several speeding tickets on his record. Insurance companies rely on statistical data and individual personal information to help them calculate insurance rates. The following quotes are strictly estimates and do not reflect what you might actually be charged for an annual premium. However, they can be used as a guideline when budgeting for insurance costs and other car-related expenses.

Most insurance coverage for Ford cars will run you anywhere between $1200 to around $1900 for an annual premium. Again, this will be determined using your specific information and what type of car or truck you are insuring. One of the most expensive models to insure is the Ford Mustang Shelby GT500, which is a high-performance sports car. Cars such as this almost always carry a higher insurance rate (in the $1,900 to $2,000 range).

Insurance costs for the Ford F-series of trucks run from about $1200 to $1800. Taurus models average around $1250 while Explorers generally cost about $1200. A Ford Edge will normally run around $1330 for an annual policy. When writing up your coverage, remember to include any available discounts. These can help lower the price of your premium.

Ford Theft Risks

While most Ford models are not on the Top Stolen List, a few of the vehicles account for about 19% of the top 100 cars stolen annually in the U.S. According to the National Insurance Crime Bureau. The models most at risk are the Mustang, Ranger, Explorer, Escort and the Taurus. If you own one of these vehicles, check with your insurance agent to find out if your insurance rates will be affected.

Crash Test Results for Ford

The Insurance Institute for Highway Safety named several Ford models to its list of Top Safety Picks of 2012. To be included, cars must receive a “good” rating in all categories of testing: high-speed front and side crash tests, a rollover test, and evaluations of seat/head restraints for protection against neck injuries in rear impact collisions. The Ford models which were named are:

Minicars: Ford Fiesta- sedan and hatchback
Small cars: Ford Focus- 4 door
Midsize cars: Ford Fusion
Large family cars: Ford Taurus
Midsize SUVs: Ford Edge, Ford Explorer, Ford Flex
Large pickups: Ford F-150 (crew cab models)


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