1997 Ford Crown Victoria Car Insurance Quotes – 8 Savings Tips

Locating better insurance prices for a Ford Crown Victoria can normally be difficult, but you can learn the following methods and make it easy. There are more efficient ways to shop for insurance so you’re going to learn the quickest way to get price quotes on a Ford and obtain the lowest price from both online companies and local agents.

How to Compare Auto Insurance

Lowering your 1997 Ford Crown Victoria auto insurance rates is actually quite simple. All you need to do is invest a little time to get quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The best way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing separate quotes to each individual auto insurance company. One quote request gets you coverage quotes instantly. Just one form and you’re done.
  2. Another way to get comparison quotes requires a visit to the website of each company to request a price quote. For example, we’ll assume you want to compare Nationwide, Farmers and Travelers. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method of comparing rate quotes is to spend your day driving to and from local insurance agencies. The internet has reduced the need for local agents unless you want the trained guidance of a licensed agent. However, consumers can compare online quotes and still use a local agent. We’ll cover that shortly.

It’s up to you which method you use, but double check that you are using the exact same quote information for each comparison quote. If your comparisons have higher or lower deductibles it’s impossible to determine which rate is truly the best.

How to reduce Ford Crown Victoria insurance rates

Car insurance companies don’t list all their discounts in an easy-to-find place, so here is a list both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
  • Homeowners Discount – Owning a home may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • 55 and Retired – Mature drivers may be able to get better auto insurance rates on Crown Victoria insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Safety Course Discount – Taking part in a driver safety course could cut 5% off your bill if your company offers it.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of companies with the best auto insurance discounts, follow this link.

Tailor your coverage to you

When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Where can I find high-risk insurance?
  • When should I drop full coverage on my 1997 Ford Crown Victoria?
  • Does coverage extend to my business vehicle?
  • I have a DUI can I still get coverage?
  • Can my babysitter drive my car?
  • Do I need motorclub coverage?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage options for a 1997 Ford Crown Victoria

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your Crown Victoria caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers 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 insurance covers things like theft, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, medical services, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Crown Victoria.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

A fool and his money are soon parted

In this article, we covered many ideas to compare 1997 Ford Crown Victoria insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with an unexpected company.

Budget-conscious insurance is definitely available from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Insureds switch companies for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, denial of a claim or lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

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