1995 Ford Crown Victoria Car Insurance Quotes – 8 Discounts for Best Rates

Locating low-cost insurance for a new or used Ford Crown Victoria can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are both good and bad ways to find car insurance online so you’re going to learn the quickest way to compare rates for your Ford and locate the cheapest rates either online or from local insurance agents.

Smart consumers take time to compare rates occasionally because insurance rates are variable and change quite frequently. Just because you found the best price for Crown Victoria insurance a few years ago you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to learn the fastest way to properly buy coverages while reducing your premium.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be manually applied before you will receive the discount. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Club Memberships – Affiliation with a professional or civic organization could qualify you for a break when buying auto insurance for Crown Victoria insurance.
  • No Claims – Drivers who don’t have accidents can save substantially as compared to bad drivers.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.

It’s important to note that some credits don’t apply the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

To see a list of insurers with discount auto insurance rates, click here to view.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • How high should my medical payments coverage be?
  • Can I afford to buy a different vehicle if my 1995 Ford Crown Victoria is totaled?
  • Is my custom paint covered by insurance?
  • Is my 1995 Ford Crown Victoria covered for flood damage?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision coverages – This coverage covers damage to your Crown Victoria resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, crashing into a ditch, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as dental work, X-ray expenses, nursing services, pain medications and funeral costs. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage, rock chips in glass, vandalism and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages – Liability insurance will cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical services, pain and suffering, legal defense fees and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Be a penny pincher

In this article, we presented a lot of information how to get a better price on 1995 Ford Crown Victoria insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with an unexpected company.

Cost effective insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There are too many instances where an insured dropped physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

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