1991 Ford LTD Crown Victoria Insurance Rates – 7 Tips for Best Quotes

Looking for cheaper car insurance rates for your Ford LTD Crown Victoria? No one in their right mind enjoys paying for car insurance, especially knowing their premiums are through the roof. Insurance companies such as State Farm, Progressive and Geico constantly bombard you with advertising and it can be hard to see past the geckos and flying pigs and find the best price available.

If you have a current car insurance policy or are just looking to switch companies, you can follow these tips to cut your premiums and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn the proper methods to get comparison rates on the web.

How to Compare Auto Insurance Costs

Reducing your 1991 Ford LTD Crown Victoria insurance rates is not a difficult process. You just need to spend a few minutes on the computer to get quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do repetitive form submissions to each individual auto insurance company. One form submission gets you price quotes instantly.
  2. A harder way to get quotes online is to manually visit each company website and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from Progressive, Farmers and Liberty Mutual. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The hardest way of getting rate comparisons is to drive around to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the professional advice only provided by licensed agents. You can, however, comparison shop online and get advice from an agent in your area and you’ll learn how to do that later.

Which method you use is up to you, but ensure you’re using apples-to-apples coverage limits for each comparison quote. If the quotes have differing limits then you won’t be able to make an equal comparison.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but a few need to be specifically requested prior to getting the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Memberships – Belonging to a civic or occupational organization may earn a discount on your policy on LTD Crown Victoria insurance.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Driver Safety – Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • No Claims – Claim-free drivers pay much less compared to bad drivers.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But all discounts will bring down the amount you have to pay.

A partial list of companies that possibly offer these discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings might not be offered in your state.

Situations that might require an agent

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Does having multiple vehicles earn me a discount?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are split liability limits better than a combined single limit?
  • Are rock chip repairs covered?
  • Do I need more liability coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance myths debunked

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like Allstate, Geico and Progressive. They all seem to say the same thing of big savings if you switch to them.

But how can every company make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the driver they prefer to insure. For instance, a desirable insured could be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and therefore will save when switching.

Potential insureds who do not match this ideal profile must pay a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully advertise the savings.

This illustrates why it is so important to get as many comparisons as possible. It is impossible to predict which insurance companies will have the lowest Ford LTD Crown Victoria insurance rates.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Liability car insurance

Liability coverage will cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as funeral expenses, loss of income, emergency aid, structural damage and legal defense fees. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford LTD Crown Victoria.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, falling objects, fire damage, a tree branch falling on your vehicle and theft. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, dental work, ambulance fees, pain medications and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision insurance covers damage to your LTD Crown Victoria resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Shop around and save

Throughout this article, we presented quite a bit of information on how to reduce 1991 Ford LTD Crown Victoria insurance prices online. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

Affordable insurance can be sourced online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance coverage companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

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