Lower Your 1996 Ford Crown Victoria Insurance Rates

Looking for lower insurance rates for your Ford Crown Victoria? Are you confused by the number of insurance companies? Many other consumers are too. There are so many choices that it can be a big hassle to find better rates.

Compare the Market for Car Insurance

Most major insurance companies give prices for coverage on the web. Getting quotes is fairly straightforward as you simply enter your required coverages as requested by the quote form. When complete, their rating system obtains your driving record and credit report and returns pricing information determined by many factors.

Online quotes makes comparing rates easy, but the process of having to visit multiple sites and type in the same information can get tiresome after awhile. But it is imperative to perform this step in order to get the lowest car insurance rates.

The preferred way to compare rates utilizes a single form that obtains quotes from a lot of companies. It saves time, requires less work, and makes online shopping much more efficient. Immediately after you send the form, it is quoted and you can select any one of the pricing results.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

In order to find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the insurance coverages identical to your current policy. Doing this guarantees you will have rate comparison quotes using the same coverage and limits.

The fine print in auto insurance ads

State Farm, Allstate and Geico regularly use television and radio advertisements. All the companies make the same claim of big savings if you move your coverage to them. How can each company say the same thing?

All companies have a certain “appetite” for the right customer they prefer to insure. An example of a driver they prefer might be profiled as between the ages of 40 and 55, a clean driving record, and has great credit. Any new insured who meets those qualifications gets the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for these standards will have to pay higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save money. That’s why companies can truthfully state the savings.

Because of the profiling, drivers should get a wide range of price quotes. Because you never know which company will give you the biggest savings on Ford Crown Victoria insurance.

Pieces of the Ford Crown Victoria insurance rate puzzle

Smart consumers have a good feel for the factors that help determine the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The following are a partial list of the pieces companies use to determine rates.

  • Do you know your deductibles? – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Ford. Examples of covered claims are collision with another vehicle, vandalism, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you’re willing to pay, the lower your rates will be for Crown Victoria coverage.
  • Discounts for multiple policies – Most companies provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Women and men cause accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Where you live can impact rates – Choosing to live in a rural area can be a good thing when buying auto insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have much more traffic to deal with and much longer commute distances. Longer commute distances translates into higher accident risk.
  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
  • Claim-free discounts can add up – Insurance companies generally give better rates to drivers who file claims infrequently. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Always keep insurance in force – Driving without insurance can get your license suspended and you will pay a penalty because you let your insurance expire. Not only will rates go up, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Protect your assets with liability insurance – The liability section of your policy will protect you in the event that you are found liable for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

How much can you save with discounts?

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Certain discounts will be applied at quote time, but less common discounts must be specially asked for before they will apply.

  • Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Distant Student – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off your medical payments premium.
  • Safety Course Discount – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Good Student – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Low Mileage – Fewer annual miles on your Ford could qualify for better rates on cars that stay parked.

Drivers should understand that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Savings might not apply everywhere.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • Should I put collision coverage on all my vehicles?
  • Is there coverage for injuries to my pets?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my teenager covered with friends in the car?
  • What discounts do I qualify for?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance 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 things such as hail damage, hitting a bird, a broken windshield and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for rehabilitation expenses, EMT expenses, dental work, ambulance fees and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as court costs, bail bonds, pain and suffering, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, hitting a parking meter, sideswiping another vehicle, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Crown Victoria.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage on a shoestring budget

The cheapest 1996 Ford Crown Victoria insurance can be bought from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

We just covered a lot of information how to compare insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies.

Consumers leave their current company for many reasons like delays in responding to claim requests, high prices, denial of a claim or even policy non-renewal. It doesn’t matter what your reason, finding the right car insurance provider is actually quite simple.

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