2006 Ford Crown Victoria Car Insurance Rates – 10 Tips to Save

Looking for better car insurance rates for your Ford Crown Victoria? Having to pay for overpriced Ford Crown Victoria insurance can dwindle your checking account, especially in this economy. Doing a price comparison is free and is an excellent way to cut your insurance bill. Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest price

Discounts on 2006 Ford Crown Victoria insurance

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be manually applied before you get the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Crown Victoria insurance with a few car insurance companies.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Resident Student – Kids in college living away from home attending college and do not have a car may be able to be covered for less.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free car insurance policy, companies don’t profit that way. But any discount will cut your overall premium however.

A partial list of companies that may have some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not apply in every state.

Tailor your coverage to you

When buying coverage, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help you determine if your situation could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • Should I buy full coverage?
  • What exactly is covered by my policy?
  • How much underlying liability do I need for an umbrella policy?
  • What if I owe more than I can insure my car for?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Crown Victoria.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills like doctor visits, ambulance fees and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

This will pay to fix damage to your Crown Victoria caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverages

This provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, a broken windshield, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

You can do this!

Cheap 2006 Ford Crown Victoria insurance is attainable online as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance providers don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you quite a bit of information on how to lower your insurance rates. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

Additional detailed information is available by following these links: