How Much Does 2008 Ford Crown Victoria Car Insurance Cost?

Looking for better insurance rates for your Ford Crown Victoria? Having to pay for overpriced insurance can drain your bank account and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to help make ends meet. Having so many choices of insurance companies, it is hard for the average consumer to choose the lowest cost car insurance company.

Insurance Prices

All major insurance companies quote coverage prices directly from their websites. This process is quite simple as you simply enter your coverage preferences as detailed in the form. When the form is submitted, the company’s rating system requests credit information and your driving record and generates pricing information based on these factors. Online quotes streamlines rate comparisons, but the process of having to visit multiple sites and enter the same data into a form can be a bit repetitive. But it is imperative to have as many quotes as possible if you want to find the best price possible.

The easiest way to compare insurance pricing makes use of a single form to get prices from many companies. This type of form saves time, requires much less work on your part, and makes online quotes much easier. After your information is entered, it is rated and you can select any of the pricing results. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and could lower your rates considerably.

To save time and find out how much you can save on insurance, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended that you enter coverages and limits identical to your current policy. This helps ensure you will receive rate quotes based on the exact same insurance coverage.

Discounts on Ford Crown Victoria insurance

Companies that sell car insurance do not advertise all their discounts very clearly, so we break down both the well known and the more hidden ways to save on insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Defensive Driving Course – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Senior Citizens – Older drivers can possibly qualify for a small decrease in premiums for Crown Victoria coverage.
  • Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Crown Victoria coverage with certain companies.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance due to the fact that maintaining a home is proof that your finances are in order.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like you could get a free insurance policy, companies wouldn’t make money that way.

A partial list of companies who might offer some of the above discounts are:

Check with every prospective company how you can save money. Savings may not apply everywhere.

Ford Crown Victoria rate determination is complex

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.

Shown below are some of the items used by your company to calculate your rates.

  • Don’t buy coverages you don’t need – There are quite a few extra bells and whistles you can purchase on your Crown Victoria policy. Coverages for rental car reimbursement, better glass coverage and term life insurance are examples of these. These may sound like a good investment at first, but if they’re wasting money eliminate them to save money.
  • High crash test scores lower rates – Vehicles with good safety scores get lower rates. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Ford Crown Victoria earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. They both are in accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
  • Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, protects your Ford from damage. Some instances where coverage would apply would be running into the backend of another car, vandalism, and windstorm damage. Your deductibles are the amount of money you are required to spend in the event of a claim. The more money you are required to pay out-of-pocket, the lower your rates will be for Crown Victoria coverage.

Tailor your coverage to you

When buying the best car insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if your insurance needs might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • When can my company non-renew my policy?
  • Am I covered if I wreck a rental car?
  • Where can I get insurance after a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is UM/UIM insurance?
  • 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 only takes a few minutes and you can get the answers you need.

Educate yourself about auto insurance coverages

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for nursing services, dental work, funeral costs and surgery. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, falling objects, damage from getting keyed, theft and fire damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2008 Ford Crown Victoria.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

Collision insurance pays for damage to your Crown Victoria from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Liability coverages

This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. 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.

Liability can pay for things such as attorney fees, court costs, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Save your cold hard cash

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

You just learned quite a bit of information on how to shop for 2008 Ford Crown Victoria insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Cost effective insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

More detailed insurance coverage information is located in the articles below: