1999 Ford Crown Victoria Insurance Cost

Trying to find lower insurance rates for your Ford Crown Victoria? Feel like you’re a prisoner to overpriced insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

You have multiple auto insurance companies to purchase coverage from, and even though it’s nice to have a choice, having more auto insurance companies makes it harder to get the best deal.

You probably qualify for some discounts

Car insurance can cost a lot, but there could be available discounts that you may not know about. A few discounts will automatically apply when you quote, but less common discounts must be specially asked for before you get the savings.

  • New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.

Keep in mind that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.

Companies that may offer these benefits are:

Check with all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Insurance Coverage Quote Comparison

To find the best insurance coverage prices, there are several ways to compare quotes from local insurance coverage companies. The quickest method to find the lowest 1999 Ford Crown Victoria rates is to get quotes online. This is very easy and can be done using a couple different methods.

  1. One of the best ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form prevents you from having to do multiple quote forms for every insurance coverage company. One form will get you price quotes from multiple low-cost companies.
  2. Another way to compare prices requires a visit to each company website to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from Farmers, Allstate and Travelers. To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make sure you use apples-to-apples coverage limits and deductibles for each price quote. If you use different values for each quote it’s impossible to determine the best price for your Ford Crown Victoria. Quoting even small variations in coverages can make a big difference in price. Keep in mind that quoting more helps you find the best rates.

Lesser-known factors impacting Ford Crown Victoria insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in better insurance coverage rates.

  • Don’t get talked into coverage you don’t need – There are many extra bells and whistles that can waste your money on your Crown Victoria policy. Coverages for vanishing deductibles, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • Proper usage rating affects rates – The more miles you rack up on your Ford every year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on their usage. Autos used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your insurance coverage policy properly reflects how each vehicle is driven, because it can save money. Incorrect usage on your Crown Victoria may be wasting your money.
  • Your car’s features help determine rates – Choosing a vehicle with an alarm system can get you a discount on your insurance coverage. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • More than one policy can earn a discount – Most insurance companies will give a discount to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Jobs such as doctors, business owners and dentists are shown to have the highest average rates attributed to high stress and long work hours. Other occupations such as pilots, historians and performers pay the least for Crown Victoria coverage.
  • More claims means more premium – If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies give lower rates to people who file claims infrequently. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Mature drivers pay less – More mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers tend to get distracted easily when driving therefore insurance coverage rates are much higher.
  • How’s your driving record? – Your driving citation history has a big impact on rates. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even one speeding ticket can boost insurance rates by twenty percent. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.

There’s no such thing as the perfect policy

When choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • How can I find cheaper teen driver insurance?
  • What is an SR-22 filing?
  • Am I covered if hit by an uninsured driver?
  • Do I need roadside assistance coverage?
  • What is the ISO rating for a 1999 Ford Crown Victoria?
  • Which is better, split liability limits or combined limits?
  • Is my 1999 Ford Crown Victoria covered for flood damage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Parts of your insurance policy

Understanding the coverages of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured or underinsured coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1999 Ford Crown Victoria.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, theft, rock chips in glass, a tree branch falling on your vehicle and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, EMT expenses, rehabilitation expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like court costs, structural damage, pain and suffering and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Never pay more for less

We covered some good ideas how to get a better price on 1999 Ford Crown Victoria insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best prices are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

Lower-priced insurance is available on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some car insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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