Compare 1991 Ford LTD Crown Victoria Insurance Rates

Paying for high-priced Ford LTD Crown Victoria insurance can empty your bank account, especially in this economy. Comparing price quotes is a smart way to lower your monthly bill.

With so many companies to choose from, it is very difficult to find the right provider.

Finding affordable coverage is not rocket science. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. Nevertheless, vehicle owners must learn how big insurance companies market insurance on the web because it can help you find the best coverage.

How to Buy Auto Insurance Online

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The easiest way by far to find competitive 1991 Ford LTD Crown Victoria insurance rates consists of shopping online. This is very easy and can be done using a couple different methods.

One of the best ways to get quotes would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating separate forms for every auto insurance company. Taking the time to complete one form gets rate comparisons direct from many companies.

A more time consuming way to shop for auto insurance online consists of going to each company’s website and request a quote. For examples sake, we’ll assume you want to compare Geico, Farmers and Travelers. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least recommended method of comparing rate quotes is driving around to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you have a need for the trained guidance only provided by licensed agents. Drivers can comparison shop online but still have the advice of a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples quote information with each company. If you use higher or lower deductibles it will be next to impossible to determine the best price for your Ford LTD Crown Victoria. Having just a slight variation in coverages may result in a large different in cost. And when quoting auto insurance, remember that obtaining a wide range of quotes will improve the odds of getting a lower rate.

Do you qualify for discounts?

Companies do not list all their discounts very well, so here is a list some of the best known and the more hidden ways to save on car insurance.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Senior Discount – If you’re over the age of 55, you may be able to get reduced rates for LTD Crown Victoria coverage.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Federal Employees – Active or retired federal employment can save as much as 8% for LTD Crown Victoria coverage with certain companies.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • Payment Method – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for LTD Crown Victoria coverage than drivers with accident claims.

Consumers should know that most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous.

A partial list of companies that may offer these discounts may include but are not limited to:

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you could use an agent’s help.

  • How high should my medical payments coverage be?
  • Does my 1991 Ford LTD Crown Victoria qualify for pleasure use?
  • Am I covered when delivering products for my home-based business?
  • Where can I find high-risk insurance?
  • Can my babysitter drive my car?
  • If I drive on a suspended license am I covered?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your policy

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford LTD Crown Victoria.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses for things like chiropractic care, hospital visits, nursing services, dental work and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage – This coverage covers damage to your LTD Crown Victoria caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, colliding with another moving vehicle, colliding with a tree, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as funeral expenses, medical services, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, hitting a deer, damage from a tornado or hurricane, vandalism and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.