Save on 1998 Ford Crown Victoria Car Insurance Rates

Searching for cheaper insurance for a Ford Crown Victoria could be a lot of work, but you can use these tips to find lower rates.

There is a better way to find auto insurance online so we’re going to tell you the absolute fastest way to quote coverages for a Ford and get the cheapest rates from local insurance agents and online providers.

Don’t pay full price with these discounts

Car insurance is not cheap, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be manually applied before being credited. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Multi-policy Discount – When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Own a Home – Owning a home can save you money because maintaining a house requires personal responsibility.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So when it seems like all the discounts add up to a free policy, you’re out of luck. But any discount will help reduce the amount you have to pay.

To see a list of insurers who offer car insurance discounts, click this link.

How to Compare Auto Insurance Quotes

Effectively comparing auto insurance prices can be a daunting task if you don’t know the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the internet for quick rates.

Most major companies take part in a program where insurance shoppers only type in their quote data once, and each company then gives them pricing for coverage. This eliminates the need for form submissions to each individual auto insurance company. To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to getting quotes like this is buyers cannot specifically choose which insurance companies to get quotes from. If you prefer to choose specific providers to receive pricing from, we have a listing of auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverages and limits with every price quote. If your comparisons have different deductibles it’s not possible to find the best deal for your Ford Crown Victoria.

Ford Crown Victoria insurance rates have many determining factors

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in lower insurance prices.

  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Traffic citations inflate rates – Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even one speeding ticket can bump up the cost twenty percent or more. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Drive a safer car and pay less – Safer cars are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If the Ford Crown Victoria scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Rural vs Urban Areas – Living in less populated areas can save you money when buying insurance. Urban drivers have traffic congestion and much longer commute distances. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your insurance needs will benefit from professional help.

  • If my 1998 Ford Crown Victoria is totaled, can I afford another vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Why am I required to buy liability insurance?
  • How do I insure my teen driver?
  • Can my teen drive my company car?
  • Can I rent a car in Mexico?
  • Do I need replacement cost coverage?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, crashing into a building, backing into a parked car, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like hospital visits, funeral costs, pain medications, surgery and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, theft, damage from a tornado or hurricane, rock chips in glass and hail damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability coverage protects you from damage that occurs to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, loss of income and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Be a smart shopper

Cost effective 1998 Ford Crown Victoria insurance can be bought both online as well as from independent agents, and you should be comparing both to get a complete price analysis. A few companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage and learned later they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

We just covered some good ideas how to save on insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

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