2001 Ford Crown Victoria Car Insurance Cost – 6 Policy Discounts

Tired of scraping the payment together to buy car insurance? You are in the same boat as most other car owners.

There are many car insurance companies to choose from, and although it’s a good thing to have multiple companies, it can be more challenging to compare rates and find the lowest cost car insurance.

Smart consumers take time to price shop coverage quite often due to the fact that insurance rates are constantly changing. Just because you had the best deal for Crown Victoria coverage two years ago you can probably find a better price now. There is a lot of bad information regarding car insurance online, so we’re going to give you the best ways to find cheap car insurance.

How to Compare Auto Insurance

There are a lot of ways you can shop for auto insurance and some are more efficient than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you can stay home and use the web to maximize your effort.

Most car insurance companies enroll in a system that allows shoppers to send in one quote, and each participating company then gives them pricing based on that data. This system prevents you from having to do quotation requests for each company.

To find out what other companies charge for 2001 Ford Crown Victoria insurance click to open in new window.

The one downside to comparing rates this way is you can’t choose the providers to receive prices from. If you would rather choose specific providers to compare prices, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

Which method you use is up to you, but make sure you use identical coverages with each company. If you have mixed coverages it’s not possible to determine the lowest rate for your Ford Crown Victoria. Quoting even small variations in insurance coverages may result in large price differences. Just remember that more quotes helps you find better pricing.

Discounts are great for lower rates

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but some may not be applied and must be specifically requested before they will apply.

  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will cut your overall premium however.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask each company what discounts are available to you. Some discounts may not be available everywhere.

You may need specialized coverage

When it comes to buying the right insurance coverage, there is no one size fits all plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out if you might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • Are my friends covered when driving my 2001 Ford Crown Victoria?
  • What are the financial responsibility laws in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Can I afford to pay high deductible claims out of pocket?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance coverages 101

Understanding the coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by car insurance companies.

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

Collision coverage pays for things such as crashing into a building, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, fire damage, damage from a tornado or hurricane and hail damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2001 Ford Crown Victoria.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – This provides protection from damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical services, emergency aid and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses for doctor visits, surgery, pain medications and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible