1992 Ford Crown Victoria Insurance Rates – 10 Policy Discounts

Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as millions of other consumers. Companies like State Farm, Allstate, Geico and Progressive all claim big savings with ad campaigns and consumers find it hard to see past the corporate glitz and find the best price available.

The quickest method we recommend to get policy rate comparisons is to know most of the bigger providers will pay a fee to quote your coverage. All you need to do is provide a small amount of information like whether or not you need a SR-22, the year, make and model of vehicles, your occupation, and how much school you completed. That information is then sent to insurance companies and they return cost estimate quickly.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions could help you determine whether you might need an agent’s assistance.

  • What vehicles should carry emergency assistance coverage?
  • What is UM/UIM insurance?
  • Why does it cost so much to insure a teen driver?
  • How much can I save by bundling my policies?
  • Can I still get insurance after a DUI?
  • Is my state a no-fault state?
  • What discounts do I qualify for?
  • Do I need an umbrella policy?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, 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.

The coverage is in the details

Understanding the coverages of auto insurance helps when choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from auto insurance companies.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, a broken windshield, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Crown Victoria.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision – Collision insurance will pay to fix damage to your Crown Victoria from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for 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. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like loss of income, structural damage, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for immediate expenses such as prosthetic devices, hospital visits, doctor visits and surgery. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage