1993 Ford Crown Victoria Insurance Cost – 6 Ideas for Best Prices

Shoppers have lots of choices when shopping for the lowest priced Ford Crown Victoria insurance. They can either waste time driving around to get rate comparisons or save time using the internet to get rate quotes.

There are more efficient ways to compare insurance rates and we’ll show you the absolute fastest way to compare rates for a Ford and locate the best price possible from both online companies and local agents.

Comprehensive Insurance Comparison

There are multiple methods you can shop for 1993 Ford Crown Victoria insurance but some are more efficient than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get rates in a matter of minutes.

Most major companies participate in an industry program that allows shoppers to submit one quote, and at least one company returns a rated price based on that information. This system prevents you from having to do quote forms to every company.

To find out how much you’re overpaying now click to open in new window.

The only downside to using this type of form is buyers cannot specifically choose which companies you will receive quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you use identical coverages and limits on every quote you get. If you compare different liability limits you will not be able to make an equal comparison.

Don’t overlook these six discounts

Insurance can cost an arm and a leg, but there could be available discounts to help bring down the price. Some trigger automatically at quote time, but a few need to be requested specifically before you will receive the discount. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Crown Victoria insurance than less cautious drivers.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will reduce the cost of coverage.

Insurance companies who might offer some of the above discounts include:

Before buying, ask every prospective company which discounts they offer. All car insurance discounts might not apply in every state.

Is my situation unique?

When buying adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • What can I do if my company won’t pay a claim?
  • Do I need higher collision deductibles?
  • Why is insurance for a teen driver so high?
  • Am I covered when driving someone else’s vehicle?
  • Is my ex-spouse still covered by my policy?
  • Is a blown tire covered by insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage considerations

Understanding the coverages of car insurance can be of help when determining the right coverages for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, rock chips in glass and hail damage. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Crown Victoria.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, medical expenses, court costs and structural damage. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your Crown Victoria from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for things like ambulance fees, doctor visits, rehabilitation expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage